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, InsureandGo Australia 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.
Destinations
| Destination | Countries covered |
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| Domestic Cruise | Domestic cruises within Australian Territorial waters. |
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| Domestic, NZ and Pacific Cruise | Cruises that include any Pacific destination and docks at any Australian port after departure (including final port). |
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| Asia and Domestic | Cruises that include any Asia destination and docks at any Australian port after departure (including final port). |
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| 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:
Not covered
- 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
A little preparation goes a long way when travelling to Bali. Here are five practical tips to help keep you safe and make the most of your trip.
1
Get started
Select your trip type, destination, dates and who is travelling with you.
2
Choose your plan
Review the inclusions and coverage amounts, and choose from Bare Essentials, Silver or Gold.
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.
4
Add your personal information
We'll need the policyholder's information, along with any pre-existing medical conditions.
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 InsureandGo Australia's award-winning1 travel insurance.
