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/or spending more than 48 hours in on your trip. A stopover of less than 48 hours does not need to be included.
Cover for Antarctica is limited to cruises and associated excursions.
Select a region to see its countries (international cruise)
South Pacific
American Samoa; Australia; Cook Islands; Fiji; French Polynesia; Guam; Kiribati; Marshall Islands; Micronesia, Federated States of; Nauru; New Caledonia; New Zealand; Niue; Northern Mariana Islands; Palau; Papua New Guinea; Pitcairn; Samoa; Solomon Islands; Tokelau; Tonga; Tuvalu; Vanuatu; Wallis and Futuna
Asia (excluding Nepal)
Bangladesh; Bhutan; Brunei Darussalam; Cambodia; China; Hong Kong; India; Indonesia; Japan; Korea, Democratic People's Republic of; Korea, Republic of; Lao People's Democratic Republic; Macao; Malaysia; Maldives; Mongolia; Myanmar; Philippines; Singapore; Sri Lanka; Taiwan, Province of China; Thailand; Timor-Leste; Vietnam
Europe
Albania; Åland Islands; Andorra; Austria; Belarus; Belgium; Bosnia and Herzegovina; Bouvet Islands; Bulgaria; Canary Islands; Croatia; Cyprus; Czechia; Denmark; Estonia; Faroe Islands; Finland; France; Germany; Gibraltar; Greece; Guernsey; Holy See; Hungary; Iceland; Ireland; Isle of Man; Italy; Jersey; Kosovo; Latvia; Liechtenstein; Lithuania; Luxembourg; Malta; Moldova, Republic of; Monaco; Montenegro; Netherlands, Kingdom of the; North Macedonia; Norway; Poland; Portugal; Romania; Russian Federation; San Marino; Serbia; Slovakia; Slovenia; Spain; Sweden; Switzerland; Svalbard and Jan Mayen; Ukraine; United Kingdom of Great Britain and Northern Ireland
Africa
Algeria; Angola; Benin; Botswana; Burkina Faso; Burundi; Cabo Verde; Cameroon; Central African Republic; Chad; Comoros; Congo; Congo, Democratic Republic of the; Côte d'Ivoire; Djibouti; Egypt; Equatorial Guinea; Eritrea; Eswatini; Ethiopia; Gabon; Gambia; Ghana; Guinea; Guinea-Bissau; Kenya; Lesotho; Liberia; Libya; Madagascar; Malawi; Mali; Mauritania; Mauritius; Mayotte; Morocco; Mozambique; Namibia; Niger; Nigeria; Réunion; Rwanda; Sao Tome and Principe; Senegal; Seychelles; Sierra Leone; Somalia; South Africa; South Sudan; Sudan; Tanzania, United Republic of; Togo; Tunisia; Uganda; Western Sahara; Zambia; Zimbabwe
Worldwide excluding USA, Canada, Mexico, Central & South America, Nepal & Antarctica
Afghanistan; Armenia; Azerbaijan; Bahrain; British Indian Ocean Territory; Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region; Curaçao; Cyprus; Georgia; Iran, Islamic Republic of; Iraq; Israel; Jordan; Kazakhstan; Kuwait; Kyrgyzstan; Lebanon; Oman; Pakistan; Palestine, State of; Qatar; Saudi Arabia; Syrian Arab Republic; Tajikistan; Türkiye; Turkmenistan; United Arab Emirates; Uzbekistan; Yemen
Worldwide including USA, Canada, Mexico, Central & South America, Nepal and Antarctica (Cruises only)
Antigua and Barbuda; Anguilla; Antarctica (cruise only); Argentina; Aruba; Bahamas; Barbados; Belize; Bermuda; Bolivia, Plurinational State of; Bonaire, Sint Eustatius and Saba; Brazil; Canada; Cayman Islands; Chile; Colombia; Costa Rica; Cuba; Dominica; Dominican Republic; Ecuador; El Salvador; Falkland Islands (Malvinas); French Guiana; French Southern Territories; Greenland; Grenada; Guadeloupe; Guatemala; Guyana; Haiti; Honduras; Jamaica; Martinique; Mexico; Montserrat; Nepal; Nicaragua; Panama; Paraguay; Peru; Puerto Rico; Saint Barthélemy; Saint Helena, Ascension and Tristan da Cunha; Saint Kitts and Nevis; Saint Lucia; Saint Martin (French part); Saint Pierre and Miquelon; Saint Vincent and the Grenadines; Sint Maarten (Dutch part); South Georgia and the South Sandwich Islands; Suriname; Trinidad and Tobago; Turks and Caicos Islands; United States Minor Outlying Islands; United States of America; Uruguay; Venezuela, Bolivarian Republic of; Virgin Islands (British); Virgin Islands (U.S.)
Countries in red are not covered by this insurance. Due to safety, security concerns, international sanctions, or limited emergency servicing, we are unable to provide coverage for travel to these countries.
Current as of 07 October 2026. This information is a general guide only. It may change and should not be relied on as complete or up to date. If you have any questions regarding which region to select or whether we can offer cover for your destination, please contact our customer service team.
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 16 and General exclusions 12 and 13 for more detail).
Before you travel, always check:
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.
