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Click here for our travel alert about the Israel – Gaza conflict.
Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Cruise Travel Insurance

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 certain necessary additional expenses due to a cruise delay.

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?

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Missed cruise departure
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Cabin confinement for medical reasons (with med cert.)
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Cruise delays
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14 day cooling off period
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Missed port cover for Silver and Gold levels of cover

Cruise Travel Insurance Benefits:

  • Trip Cancelation Before Departure: If it is necessary and unavoidable to cancel your cruise, we will pay certain 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 certain events, we will cover you for certain reasonable and necessary additional travelling expenses 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. Sublimits apply.
  • Reimbursements for Shore Excursions: If it is necessary and unavoidable for your cruise to be cancelled or cut short, you may be covered for certain costs, 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, 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. Limits and sublimits pay apply.
  • Emergency Medical Transportation: We provide certain cover (outlined in the policy wording) 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
Pacific The South Pacific: American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea.
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.
Pacific and Domestic Cruises that include any Pacific destination, NZ or Bali and docks at any Australian port after departure.
Asia and Domestic 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, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Myanmar, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe.