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Cruise Travel Insurance
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.
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.
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* The level of cover and benefits varies between policies, as do exclusions. It’s important to check the policy terms and conditions and the Product Disclosure Statement to make sure the policy is right for you.