Cruise travel insurance
Whether you’re drifting around the breathtaking shores of Alaska or island hopping around the South Pacific, a cruise can be a wonderful and relaxing way to see the world.
But like any type of travel, it’s important to make sure you’re covered for the unexpected.
Taking a cruise is a unique experience and it requires specific coverage. Before you sail away from Australian shores, make sure you’re financially protected for the unexpected with the right cruise travel insurance policy.
Why take out cruise insurance?
Medical services provided by ship doctors on a cruise will not be covered by Medicare or your private health insurance once you leave Australian waters. That’s why having the right cruise travel insurance policy is so important.
Cruise insurance doesn’t just cover you for medical expenses incurred both onshore and offshore. This special category of international travel insurance can also provide a level of financial protection for missed port departures, lost or delayed luggage, 24/7 emergency assistance, and much more.
What about Australian coastal cruises?
Some travellers mistakenly believe that they’ll be automatically covered by Medicare if their ship is going from one Australian port to another.
However, this is only true if the doctor on board is registered with Medicare. If they aren’t, you could find yourself stuck with a hefty medical bill. Ask yourself if it’s worth the risk.
What does it cover?
Like overseas travel insurance, cruise insurance is designed to cover a wide range of travel emergencies, including:*
• Offshore and onshore medical. If you become sick or injured at any time during your cruise, cruise insurance will provide a level of cover to pay for emergency medical treatment received on board or at a land-based medical facility.
• Emergency evacuation. A separate cover from medical treatment, emergency evacuation provides a level of cover if you require urgent transportation to the nearest medical facility or back to Australia if you require additional treatment.
• Luggage and belongings cover. Provides a level of cover to help pay for luggage and belongings that are lost, stolen or damaged. Comprehensive policies may also include a limited amount of cover for baggage delays.
• Trip cancellation, travel delay and missed cruise departure cover. A level of cover to help reimburse you for trip disruptions if you need to cancel your trip, miss your cruise departure time, or if your cruise is delayed due to poor weather conditions or other reasons.
• Missed port cover. A level of cover to help reimburse you for missed shore excursions due to disruption or cancellation by the cruise provider.
As you compare different policies, keep in mind that the types of coverage and excess levels will vary according to the insurance provider, so carefully review the terms and conditions of every policy you are considering.
Things to consider
From Basic to Mid-Range to Comprehensive cover, you have a lot of options when it comes to choosing cruise insurance. As you search for the right policy, here are a few key points to keep in mind:
• Basic vs Comprehensive cover. Unlike Basic cover, a Comprehensive policy offers travel insurance for an extensive list of travel emergencies. It might cost a few extra dollars a day, but having the higher level of cover can well be worth it if you need to make a claim.
• Pre-existing medical conditions. Some policies may cover you for certain pre-existing medical conditions, some may not. To avoid any unwanted surprises when making a claim, be sure to read the policy’s terms and conditions and always declare any existing medical conditions on your application.
• Sporting activities. If you’re planning on taking part in activities such as scuba-diving, waterskiing or parasailing during your cruise, check to see if they are covered on your policy or whether you need to purchase extra cover.