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Multi-Award Winning Multi-Award Winning
Travel Insurer

Over 2 Million Aussie Travellers covered so far +2 Million Aussie Travellers
covered so far

Global Assistance 24-hour Global Emergency Assistance Network

InsureandGo Travel Insurance is 4.7 out of 5 stars from 1,115+ reviews on Trustpilot Rated 4.7 from 1,115+ reviews on Trustpilot

Cruise with added confidence

A cruise is an incredible experience, but unforeseen events can turn your dream holiday into a costly nightmare. Cruise travel insurance can provide additional peace of mind so you can enjoy a more relaxing break at sea.

With our Cruise Travel Insurance, you'll get the benefits of our Single-Trip policy, plus additional inclusions designed for cruising – things like reimbursements for certain expenses if your ship is delayed, missed port departures and cabin confinement.

But you shouldn’t just take our word for it. We also have over 20 awards1 and recommendations under our belt from comparison services and consumer advocacy groups in the last 10 years.

Why travel with us for your cruise holiday

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Competitive pricing
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24/7 emergency assistance
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Easy online quotes and claims
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Thousands of five-star reviews
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21-day cooling-off period
Pregnancy cover for up to 30 weeks
Kids travel free

We’re proud to be a ProductReview.com.au Travel Insurance award winner in 2025 and 2026. Our products have also been recognised by Canstar in 2013, 2014, 2015, 2019, 2022, 2023 and 2024. Recently, we won the Canstar Award for 'Outstanding Value - International Travel Insurance', for the second consecutive year and 'Outstanding Value - Seniors Travel Insurance', for the third consecutive year.

In 2024, we received the Finder 2024 Award for 'Trusted Brand - Travel Insurance', and the WeMoney 2024 Award for 'Best for Seniors Travel Insurance.'

Competitive pricing
Competitive coverage that delivers a wide range of benefits for new and experienced cruisers.
24/7 emergency assistance
Global emergency support, no matter where or when you need help.
Easy online quotes and claims
Our quote and claims processes are simple, so you can focus on making memories.
Thousands of five-star reviews
Over 3,900 people can’t be wrong. We have recent reviews on Product Review, Trustpilot and Google.

So, what are you covered for?

Our comprehensive packages§ provide cover for specific events including situations specific to cruising.

Medical emergencies
Unlimited overseas medical assistance, including emergency medical treatment, hospital stays, surgery and ambulance services. Coverage for urgent transportation to a medical facility or home for emergency treatment.
 
Please note, there is no cover for medical expenses in Australia.
Missed port cover
Coverage for each scheduled missed port if your river cruise or cruise ship doesn’t dock at a port during your trip (available in the Silver and Gold policies).
Reimbursements for shore excursions
If your cruise does not dock at a port scheduled on your original cruise itinerary, or if a scheduled tender is cancelled by the provider, you may be covered for your unused non refundable pre paid tour and excursions, subject to the level of cover selected.
Cabin confinement
If you are confined to your cabin due to medical reasons as advised by a ship medical officer, Insure&Go will pay $75 for every 24 hours a passenger is confined up to the defined amount outlined in the table of benefits in our Silver and Gold cruise policies.

Cruise Travel Insurance benefits

Extra financial protection
Coverage that helps reduce out-of-pocket costs when unexpected events occur such as medical emergencies, cancellations and delays (up to the limit of your plan).
Added peace of mind
Depart for the trip of a lifetime, knowing cover is available for cruise-specific events. All you need to do is kick back and set sail.
24/7 support
Emergencies don’t always happen during business hours. Round-the-clock support from our global assistance team. Call us any time: +612 9333 3999 (reverse charge).
Flexible options
Our range of plans means you’ll find one that suits your needs. We also have a 21-day cooling-off period in case you need to cancel your policy2.

Please note: These benefits are a summary and are subject to limits, sub-limits and exclusions. Please see our Product Disclosure Statement or PDS for full terms and conditions.

Which destination to select for your trip

Choosing the right destination coverage gives you an added layer of protection on your trip. 

Policies can be purchased to cover one or more destination countries or regions outside of Australia. To ensure you are covered for your planned destinations, you should let us know your main destination, including countries or regions you are travelling to and spending more than 48 hours in on your trip.

Cover for Antarctica is limited to cruises and associated excursions.

Destination Countries covered
Domestic Cruise Domestic cruises within Australian Territorial waters.
Domestic, NZ and Pacific Cruise Cruises that include any Pacific destination and docks at any Australian port after departure (including final port).
Asia and Domestic Cruises that include any Asia destination and docks at any Australian port after departure (including final port).
Worldwide excluding North and South America and Antarctica Worldwide excluding USA, Canada, Mexico, Caribbean, Central & South America and Antarctica.
Worldwide including North and South America and Antarctica If your destination is Worldwide including North and South America and Antarctica, you are covered Worldwide including USA, Canada, Mexico, Central & South America and Antarctica (cruises only).

This policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through destinations that are subject to “Do Not Travel” advice from the Australian Government, as well as events occurring in any international conflicts or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail).

Why do you need cruise travel insurance?

Cruises present unique risks that can result in significant financial losses. Medical emergencies at sea are particularly costly. Onboard facilities charge medical expenses not covered by Medicare, and medical evacuation can cost tens of thousands of dollars.

Cruises can be vulnerable to cancellations due to severe weather or mechanical issues, while missing a port departure can leave you stranded, requiring expensive last-minute flights to rejoin your ship.

Cruise insurance can reduce financial burdens and may provide cover for medical expenses, non-refundable costs and provide emergency assistance.

What isn’t covered

While our cruise travel insurance provides additional protection, there are some exclusions you should be aware of. Your policy won't cover:

  • Pre-existing medical conditions that weren't declared or aren't covered under your policy
  • Engaging in high-risk activities specified as not covered in your policy terms
  • Travelling against official government travel advisories
  • Unattended luggage or personal belongings

Always review your Product Disclosure Statement to understand the full scope of limits, sub-limits and exclusions and ensure you have the right coverage for your trip. If you need any assistance, call:

  • Sales: 1300 401 177
  • Claims: +61 2 7201 9532
  • 24/7 Emergency Assistance: +61 2 9333 3999

How to purchase Cruise Travel Insurance

Get a Quote

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1. Get started

 

Select your trip type, destination, dates and who is travelling with you.

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2. Choose your plan

Review the inclusions and coverage amounts, and choose from Bare Essentials, Silver or Gold.

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3. Review excess and upgrades

 

Choose excess from $0, $100 or $200 and add any extra cover you might need for upgrades such as Natural Disaster Cover, Winter Sports Cover, Activities Plus Option, Additional Specified Items or Business Cover.

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4. Add your personal information

 

We’ll need the policyholder’s information, along with any pre-existing medical conditions.

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5. Review quote, accept declaration and pay

 

Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. Policy documents will be sent immediately to the associated email address. Or we’ll email you the quote to pay later.

Ready to get a quote?

Protect your travels wherever you’re headed, with Insure&Go’s award-winning1 travel insurance.

Get a travel insurance quote!  

Cruise Insurance FAQs

Is cruise travel insurance mandatory?

While cruise travel insurance isn't required, it can help reduce certain costs when covered events occur. Specialised cruise insurance provides coverage for cruise-specific events such as reimbursement for missed shore excursions or compensation during cabin confinement.

Additionally, some cruise operators may require passengers to hold travel insurance as a condition of booking or boarding (requirements vary, so check your operator’s terms).

Does the insurance cover excursions booked independently?

Yes, InsureandGo can provide cover for your unused non-refundable prepaid tours and excursions if your cruise does not dock at a port scheduled on your original cruise itinerary, or if a scheduled tender is cancelled by the provider, but it's essential to review your specific policy's Product Disclosure Statement (PDS) and meet certain requirements. Covered excursions must be operated by commercial providers and can't include activities that are excluded in the PDS.

If you've prepaid for an excursion and can't participate due to a covered event such as illness or injury, you may be reimbursed, with coverage limits depending on your selected plan.

Are pre-existing medical conditions covered?

Pre-existing medical conditions could affect your eligibility for medical cover under your travel insurance policy, unless they are declared at the time of policy purchase, and any applicable premium paid to cover these conditions.

To cover these conditions, we can perform a quick assessment of your medical conditions via a short questionnaire. You can complete this questionnaire online or by phone, and it usually takes only 5-10 minutes.

At the end, we’ll be able to tell you whether we can provide you with travel insurance cover for your medical conditions.

What happens if I miss the cruise departure due to flight delays§?

Our policies can provide cover for reasonable and necessary additional travel expenses incurred after leaving your Australian home address that exceed your original budget, and are required to continue your itinerary, if you missed your pre-booked cruise departure from Australia due to:

  • An accident involving your transport
  • Cancellation, delay, or diversion of your scheduled transport (only expenses you can't claim elsewhere and where no alternatives were offered)
  • a natural disaster (only if you've purchased the Natural Disaster upgrade option shown on your policy schedule; excludes disasters known at time of purchase)
Can I extend my coverage if I decide to stay longer?

If you wish to extend your cover whilst travelling, then you need to contact us on 1300 401 177 or email us at info@insureandgo.com.au

§ Subject to limits, sub-limits and exclusions that may apply. For full details and before making a decision, consider the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here.

1 More information about our awards can be found here.

2 Provided that you have not made a claim, or exercised any other rights under the policy and your trip has not commenced, we will cancel the policy and give you a full refund of premium.