Cruise Travel Insurance

Australia's travel insurance specialist, InsureandGo, offers peace of mind when it comes to travellers who love to cruise. With our tailored Cruise travel insurance, cruisers get all the benefits of the Single Trip policy, plus additional inclusions that are unique to cruising, such as reimbursements for necessary expenses due to a cruise delay and more.

Our cruise insurance policy is available in three levels of cover; Bare Essentials, Silver and Gold, so you can choose coverage that suits your needs. All levels of cover provide you with access to an expansive global 24/7 emergency assistance network, with over 31,000 points of assistance across all continents, and an easy online claims process.

Why Travel With Us for a Cruise Trip?

  • Reimbursements for shore excursions that are cancelled/interrupted by the cruise liner
  • Cabin confinement for medical reasons (with med cert.)
  • Cruise delays
  • Missed cruise departure
  • Missed port cover for weather/timetable restrictions
  • Cruise Travel Insurance from just $31**

Cruise Travel Insurance Benefits:

  • Trip Cancelation Before Departure: If it is necessary to cancel your cruise, we will pay the unrecoverable travel costs and expenses. This is available in our Cruise Silver and Gold levels of cover, and you should consider purchasing cover as soon as you book your cruise, in case of cancellation.
  • Missed Cruise Departure:Should you miss the scheduled departure of your pre-booked cruise from Australia due to events such as a transport accident, weather, or mechanical breakdown, we will cover you for necessary and reasonable additional accommodation and travelling expenses that are needed to continue with your original itinerary.
  • Medical Expenses:We offer unlimited cover for necessary and reasonable medical expenses on board and onshore (outside of Australia) such as medical, surgical, hospital treatment and ambulance.
  • Missed Port Cover: If your cruise never docks at a port during a trip due to adverse weather restrictions or mechanical breakdown, we will pay for each scheduled missed port. This is available in the Cruise Silver and Gold policies.
  • Personal Belongings & Baggage:We provide coverage if your personal belongings are lost, stolen or damaged during your cruise, or up to 72-hours prior to your cruise departure in Australia.
  • Reimbursements for Shore Excursions:If it is necessary for your cruise to be cancelled or cut short, you will be covered for the cost of excursions, tours and activities which you have paid for and which you cannot recover from any sources.
  • Cabin Confinement:If you are confined to your cabin due to medical reasons as advised by a ship medical officer, InsureandGo will pay $75 for every 24 hours a passenger is confined up to the defined amount outlined in table of benefits in our Silver and Gold cruise policies.
  • Cruise Delays:We will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip your departure by sea vessel is delayed for more than 12 hours. This cover is available in our Silver and Gold cruise policy and you will be reimbursed for each complete 12-hour period you are delayed.
  • Emergency Medical Transportation:We provide cover for passengers, if they require urgent transportation to a medical facility or need to return home for emergency treatment.

These benefits are a summary, so please see our PDS for full terms & conditions.

Which destination to select for your cruise journey :

Destination Countries covered
New Zealand, Pacific and Bali American Samoa, Bali, Cook Islands, Fiji, Kiribati, New Caledonia, Niue, New Zealand, Pacific, Papua New Guinea, French Polynesia, Solomon Islands, Tahiti, Tonga, Tuvalu, Vanuatu, Samoa, Lombok
Worldwide*** excluding North and South America and Antarctica Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.
Worldwide*** including North and South America and Antarctica Worldwide including USA, Canada, Mexico, Central & South America and Antarctica (cruises only).
Asia Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Myanmar, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam only.
Domestic Domestic cruises within Australian Territorial waters or International waters, providing you do not stop at any International port.
Domestic, The South Pacific, Norfolk Island, New Zeeland, Bali and Lombok Only Cruises that include any Pacific destination, NZ or Bali and docks at any Australian port after departure.
Domestic and Asia Cruises that include any Asia destination and docks at any Australian port after departure.

Please note: Our policies do not cover claims arising directly or indirectly from travel in, to or through Afghanistan, Chad, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Somalia, Sudan, Syria, Uganda, Yemen and Zimbabwe.

Most Common Questions

1. During our trip, we travel on land, have a flight and cruise, will this all be covered if I purchase a Cruise travel insurance policy? We have a land and cruise portion on our overseas journey. Is this all covered under Cruise?

Our Cruse policies cover you for the air, land and sea portion of your international journey.

3. Which countries do I take cover for if my cruise is going to multiple places, and departing from an international destination?

You will need to select the coverage that incorporates all the countries you are travelling to. For example, if you are travelling to the USA, you need to choose ‘Worldwide including North & South America’.

5. My cruise is departing a city of Australia and going to the South Pacific, which destination should I choose?

In this scenario, you need to select your destination as ‘Domestic and Pacific’.

2. We are only going on an overnight cruise for part of our journey, do we still need cruise cover?

As per our Policy Wording Documents, if you are travelling on an overnight cruise at any point of your journey, we do require you to have a Cruise policy. This will cover you for the air, land and sea portion of your journey.

4. Does travel insurance cover me for anything that can go wrong on my trip?

Unfortunately not. There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

6. Does Cruise travel insurance provide medical evacuation cover if you have to be repatriated by helicoptered from the ship ?

Yes, our policies provide cover for unlimited hospital, medical and surgical expenses in the event of unforeseen accident, illness or injury. This includes medical repatriation, which means if it is determined medically necessary and reasonable for you to be medically evacuated back to Australia for treatment, you will be covered.

InsureandGo is rated 4.5 out of 5 stars by 10038 customers.

Cruise Travel Insurance from just $31** - Price derived from a cruise trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.
Worldwide*** 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 Afghanistan, Chad, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Somalia, Sudan, Syria, Uganda, Yemen and Zimbabwe.