Cruise Travel Insurance
In a perfect world, your cruise would sail seamlessly without any issues. However, the possibility that something could go wrong is always in the back of your mind. Travel insurance is a great way to alleviate those niggling concerns, providing valuable reassurance that you’ll be prepared if something unexpected does happen.
Why might you need cover for a cruise?
Cruise travel insurance is the easiest way to ensure your trip really is smooth sailing by providing cover for a range of situations. We know just how much fun a cruise can be and we want you to enjoy the experience to its fullest. That’s why we offer our customers the flexibility to add specially designed cover options that provide you with additional protection for a range of events you might encounter while cruising.
Adding ‘Cover While Cruising’ to your travel insurance provides extra protection for things like:
How can I add cruise cover to my policy?
Step 1: Choose a plan
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| Basic | Comprehensive |
| Budget-friendly cover for all the essentials | Broader protection for some of the most common claims |
Step 2: Add ‘Cover While Cruising’
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| It’s important to note that Cover While Cruising may not be available with all our policies for all regions and destinations—but don’t worry, we’ll let you know if we offer it when you complete your quote. |
Step 3: Fill in your details and we’ll take it from there!
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| Bon voyage! |
| Section cover | Product Type | Basic International Cover | Comprehensive International Cover |
|---|---|---|---|
| 1 | Cancellation & Journey Disruption | ✓ (Limited) | ✓ (Cover Chosen) |
| 2 | Overseas Medical & Dental Expenses | Unlimited * (Instant claims using the PassportCard) | Unlimited * (Instant claims using the PassportCard) |
| 3 | Hospital Related Expenses | ✓ $10,000* # | ✓ $10,000* # |
| 4 | Accidental Death | X | ✓ $30,000 |
| 5 | Permanent Disability | X | ✓ $30,000 |
| 6 | Loss of Income | X | ✓ $45,000*# |
| 7 | Covid 19 events | ✓ (Limited) | ✓ (Limited) |
| 8 | Travel Documents & Credit Cards | X | ✓ $5,000 |
| 9 | Theft of cash | ✓ Up to $500 on the PassportCard | ✓ Up to $500 on the PassportCard |
| 10 | Luggage & Personal Effects | X | ✓ $25,000* |
| 11 | Luggage & Personal Effects Delay Expenses | ✓ $250 on the PassportCard^ | ✓ $250 on the PassportCard, maximum of $1,000 in total* |
| 12 | Travel Delay Expenses (greater than 6 hours) | X | ✓ $6,000* # |
| 13 | Special Events such as a wedding | X | ✓ $6,000* # |
| 14 | Personal Liability | ✓ $3,000,000 in total | ✓ $5,000,000 in total |
| 15 | Rental Vehicle Insurance Excess | X | ✓ $5,000 |
| 16 | Pet Care if you are delayed on your return journey | X | ✓ $300 # |
Section cover 1
Cancellation & Journey Disruption
Basic International Cover
- ✓ (Limited)
Comprehensive International Cover
- ✓ (Chosen Cover)
Section cover 2
Overseas Medical & Dental Expenses
Basic International Cover
- Unlimited* (Instant claims using the PassportCard)
Comprehensive International Cover
- Unlimited* (Instant claims using the PassportCard)
Section cover 3
Hospital Related Expenses
Basic International Cover
- ✓ $10,000* #
Comprehensive International Cover
- ✓ $10,000* #
Section cover 4
Accidental Death
Basic International Cover
- X
Comprehensive International Cover
- ✓ $30,000
Section cover 5
Permanent Disability
Basic International Cover
- X
Comprehensive International Cover
- ✓ $30,000
Section cover 6
Loss of Income
Basic International Cover
- X
Comprehensive International Cover
- ✓ $45,000*#
Section cover 7
Covid 19 events
Basic International Cover
- ✓ (Limited)
Comprehensive International Cover
- ✓ (Limited)
Section cover 8
Travel Documents & Credit Cards
Basic International Cover
- X
Comprehensive International Cover
- ✓ $5,000
Section cover 9
Theft of cash
Basic International Cover
- ✓ Up to $500 on the PassportCard
Comprehensive International Cover
- ✓ Up to $500 on the PassportCard
Section cover 10
Luggage & Personal Effects
Basic International Cover
- X
Comprehensive International Cover
- ✓ $25,000*
Section cover 11
Luggage & Personal Effects Delay Expenses
Basic International Cover
- X
Comprehensive International Cover
- ✓ $250 on the PassportCard, maximum of $1,000 in total*
Section cover 12
Travel Delay Expenses (greater than 6 hours)
Basic International Cover
- X
Comprehensive International Cover
- ✓ $6,000* #
Section cover 13
Special Events (such as a wedding)
Basic International Cover
- X
Comprehensive International Cover
- ✓ $6,000* #
Section cover 14
Personal Liability
Basic International Cover
- ✓ $3,000,000 in total
Comprehensive International Cover
- ✓ $5,000,000 in total
Section cover 15
Rental Vehicle Insurance Excess
Basic International Cover
- X
Comprehensive International Cover
- ✓ $5,000
Section cover 15
Pet Care if you are delayed on your return journey
Basic International Cover
- X
Comprehensive International Cover
- ✓ $300 #
| Section cover | Product Type | Basic International Cover | Comprehensive International Cover |
|---|---|---|---|
| 17 | Cover While Cruising | ✓ (Limited to unlimited medical and evacuation only) | ✓ (Unlimited Medical and Evacuation *#) |
| 18 | Winter Sports Cover | ✓ (Limited to unlimited medical and evacuation only*#) | ✓ (Unlimited Medical and Evacuation *#) |
| 19 | Search And Rescue Expenses Cover | X | ✓ ($120,000 in total*) |
| 20 | Adventure Activities Cover | X | ✓ (Standard covers limits apply) |
| 21 | Golf Cover | X | ✓ (Various limits apply*) |
| 22 | Business Cover | X | ✓ (Various limits apply*) |
Section cover 17
Cover While Cruising
Basic International Cover
- ✓ (Limited to unlimited medical and evacuation only)
Comprehensive International Cover
- ✓ (Unlimited Medical and Evacuation *#)
Section cover 18
Winter Sports Cover
Basic International Cover
- ✓ (Limited to unlimited medical and evacuation only*#)
Comprehensive International Cover
- ✓ (Unlimited Medical and Evacuation *#)
Section cover 19
Search And Rescue Expenses Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ ($120,000 in total*)
Section cover 20
Adventure Activities Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Standard covers limits apply)
Section cover 21
Golf Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Various limits apply*)
Section cover 22
Business Cover
Basic International Cover
- X
Comprehensive International Cover
- ✓ (Various limits apply*)
*Section has Sub Limits, # indicates that waiting periods apply, limited to a twelve (12) month period, ^ Indicates maximum we will pay for any item.
The benefit limits are generally per Journey, per adult Insured Person (children are included in the benefit limits for the adults in Your travelling party), except for Section 14 Personal Liability.
This table is a high level summary of benefits only and does not include full terms, conditions and exclusions. Sub-limits may also apply. We highly recommend that you read the Product Disclosure Statement (PDS) before buying these products to ensure our travel insurance products are right for you.
Instant payouts on approved claims with PassportCard
When you choose PassportCard, you’ll enjoy the extra peace of mind of knowing you’ll be able to cover most expenses there and then if something goes wrong.
When you purchase one of our travel insurance policies, we’ll ask you if you’d like a PassportCard to take with you on your trip.
While you’re away, if your baggage is delayed, cash is stolen or you have a medical issue overseas, you can call our team 24/7 to have funds added to your PassportCard instantly for approved claims.**
We will then send an activation PIN to your mobile phone to use use with the merchant or ATM so you can immediately pay for expenses when you need to.
You won’t need to fill out any paperwork and instant access to funds means you won’t be left out of pocket.
Find out more about how instant claims work or get a quote for your upcoming trip.
Get covered for your cruise with PassportCard
Tips when planning a cruise
Whether you’re heading overseas or staying in Australian waters, here are some helpful tips to ensure your cruise is smooth sailing.
Cruise travel insurance FAQs
No, cruise cover is an optional extra. If you’ll be going on a cruise, it’s important to add the Cover While Cruising option when completing your quote to ensure it is included with your policy.
It’s essential that you add Cover While Cruising with your travel insurance if you’ll be heading on a cruise. While our travel insurance includes cover for a wide range of events, it won’t cover you while on a cruise if you don’t add the optional extra cover.
Even if you’re cruising domestically, it’s still important to have cruise-specific travel insurance for medical emergencies, as you may not be able to claim on Medicare or your private health insurance while on board. Travel insurance can also come in handy in a range of other situations while cruising like if your luggage is lost, cabin confinement or shore excursion cancellation.
You’ll need to list all travellers (including any dependents) that you want to be included on your policy when completing your quote to ensure they are covered while on our cruise.