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Ocean Cruise Travel Insurance

Winner of the 2024 Canstar for Outstanding Value Travel Insurance – Cruise

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Set sail with our Canstar award winning Ocean Cruise Cover

 

What is Ocean Cruise Cover

The Ocean Cruise Cover is an optional add-on to your travel insurance that’s designed for unique situations that can happen on an ocean cruise – like medical or dental emergencies, evacuation from the ship, being confined to your cabin, cancelled shore excursions, and even loss or damage to your formal wear. For more information, please read PDS for full details.

 

Riverboat cruising included as standard

If you are going on a Riverboat Cruise, there’s no need to add Ocean Cruise Cover as these benefits are automatically included in our standard international or domestic travel insurance policy. For more information, please read Section 14 in our PDS.

 

How do I add Ocean Cruise Cover to my policy?

Adding Ocean Cruise Cover to your international or domestic travel insurance is simple. Just select the Ocean Cruise Cover option online or tell our helpful team when you are completing your PassportCard travel insurance quote and we’ll automatically include it with your policy.

 

Here’s what’s included in our Ocean Cruise Cover

Designed to cover the most common cruise mishaps – so you can focus on the fun, not the “what ifs.”

Medical Emergencies & Evacuation

Emergency medical treatment and evacuation if you become sick or injured while onboard the boat.

Cabin Confinement

Cover if you become confined to your cabin due to sickness or injury.

Missed Port

Cover if your cruise vessel doesn’t stop at a scheduled port due to adverse weather or a mechanical breakdown.

Cruise Related Cancellation Costs

Cancellation or changes to your cruise before your journey starts if you get sick or injured and cannot go on your journey.

Instant Payouts

You have the option to use the PassportCard to instantly pay for these common claims so you’re not out of pocket

  • Overseas medical costs
  • $250 delayed luggage compensation
  • Replace up to $500 stolen cash

24/7 Global Assistance

Our Sydney based team is available 24 hours, 7 days a week to provide you with emergency support, direct you to the nearest medical provider, and approve instant claims.

Kids covered for free

We want to keep things as affordable for you as possible and usually provide cover for any dependents under 19 (or 25 if they’re studying full time in higher education) travelling on the same policy for no extra cost. The only time we charge a premium is if they have a pre-existing medical condition (T&Cs apply)- Find out more

Pre-Existing Medical Conditions

We offer a simple pre-existing medical assessment process that allows us to offer cover to travellers of all ages. Our in-house nurses can assess those people who have complex medical history to establish whether we can provide cover – find out more.

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2025’s #1 award-winning travel insurance

WeMoney Award

2025 – Outstanding Claims Experience – Travel Insurance

Canstar Award

2025 – Innovation Excellence

Canstar Award

2024 – Outstanding Value For Travel Insurance – Cruise

Mozo Award

2025 – Exceptional Quality Travel Insurance¹

Insurance Business Australia Awards

2025 – Outstanding Customer Experience

LMI Awards

LMI Claims Comparison 5 star rating

Mansfield Awards

2025, 2024 & 2019 – Winner Excellence in Speciality Claims

Australian Insurance Industry Awards

2024 – Finalist Claims Team of the Year

How does the PassportCard Instant Payouts work?

As long as you’ve packed your PassportCard, you’re ready for when “it” happens. We can provide instant payouts on approved common claims, anytime, anywhere*.
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Medical issue overseas?

Need a doctor? In pain and not sure what to do? Call or Whatsapp our 24/7 support team and we can direct you to the nearest pharmacy, hospital or doctor.

For approved claims we will load the PassportCard with funds to cover your medical costs.

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Luggage delayed?

When your luggage isn’t where you are, it’s hard to begin your holiday. Just call us and we can add up to $250 to the PassportCard to buy emergency essentials.

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Cash stolen or lost?

No cash, no holiday! Call us and we can put up to $500 on the PassportCard for you to withdraw from the ATM.

Our Comprehensive Covers

Maximum benefit payable
SectionProduct TypeDomestic Comprehensive International Comprehensive
1Cancellation & Journey Disruption (Cover Chosen)* (Cover Chosen)*
2Overseas Medical & Dental Expenses XUnlimited* (Instant payouts using the PassportCard)
3Hospital Related Expenses X $10,000*#
4Accidental Death $30,000*^ $30,000*^
5Permanent Disability $30,000^ $30,000^
6Loss of Income $45,000 *#× $45,000 *#×
7Travel Documents & Credit Cards $5,000× $5,000×
8Theft of cashUp to $500 on the PassportCardUp to $500 on the PassportCard
9Luggage & Personal Effects $10,000* $25,000*
10Luggage & Personal Effects Delay Expenses $250 on the PassportCard, maximum of $1,000*$250 on the PassportCard, maximum of $1,000*
11Travel Delay Expenses $2,000*^# $6,000*^#
12Personal Liability $5,000,000^ $5,000,000^
13 Rental Vehicle Insurance Excess $10,000^ $10,000^
*Sub limits apply, ^per insured Adult, × per policy, # Waiting periods

1 – Cancellation & Journey Disruption


Domestic Comprehensive

  • (Cover Chosen)*

International Comprehensive

  • (Cover Chosen)*

2 – Overseas Medical & Dental Expenses


Domestic Comprehensive

  • X

International Comprehensive

  • Unlimited medical costs*

3 – Hospital Related Expenses


Domestic Comprehensive

  • X

International Comprehensive

  • $10,000 per policy*

4 – Accidental Death


Domestic Comprehensive

  • $30,000^

International Comprehensive

  • $30,000^

5 – Permanent Disability


Domestic Comprehensive

  • $30,000^

International Comprehensive

  • $30,000^

6 – Loss of Income


Domestic Comprehensive

  • $45,000 *×

International Comprehensive

  • $45,000 *×

7 – Travel Documents & Credit Cards


Domestic Comprehensive

  • $5,000 *×

International Comprehensive

  • $5,000 *×

8 – Theft of Cash


Domestic Comprehensive

  • Up to $500 on the PassportCard*

International Comprehensive

  • Up to $500 on the PassportCard*

9 – Luggage & Personal Effects


Domestic Comprehensive

  • $10,000*

International Comprehensive

  • $25,000*

10 – Luggage & Personal Effects Delay Expenses


Domestic Comprehensive

  • $250 on the PassportCard, $1,000 in total*

International Comprehensive

  • $250 on the PassportCard, $1,000 in total*

11 – Travel Delay Expenses


Domestic Comprehensive

  • $2,000*^#

International Comprehensive

  • $6,000*^#

12 – Personal Liability


Domestic Comprehensive

  • $5,000,000^

International Comprehensive

  • $5,000,000^

13 – Rental Vehicle Insurance Excess


Domestic Comprehensive

  • $10,000×

International Comprehensive

  • $10,000×

Our Optional & Activites Covers

Covers that you may require for your trip
SectionProduct TypeDomestic ComprehensiveInternational Comprehensive
14Ocean Cruise Cover – Canstar Award Winning Unlimited medical costs and evacuation Cabin confinement – $2,500 per policy*^ Pre-paid shore excursion cancellation- $1,000^ Formal attire – $1,000^ Missed port – $500 per policy*^ Marine rescue diversion – up to $300*^ Unlimited medical costs and evacuation Cabin confinement – $2,500 per policy*^ Pre-paid shore excursion cancellation- $1,000^ Formal attire – $1,000^ Missed port – $1,000 per policy*^ Marine rescue diversion – up to $500*^
15Search & Rescue $120,000× $120,000×
16Pet Care Cancellation due to pet health – up to $3,000^ Pet boarding cover due to delayed return – $1,000× Cancellation due to pet health – up to $3,000^ Pet boarding cover due to delayed return – $1,000×
17Concerts & Other Events Cancelled events – $3,000^ Journey disruption – $2,000^ Cancelled events – $3,000^ Journey disruption – $5,000^
18Business Cover Business equipment – $4,000^ Business equipment hire – $1,500*^ Loss or theft of business money – $1,000^ Business equipment – $4,000^ Business equipment hire – $1,500*^ Loss or theft of business money – $2,000^
19Snow Sports Own equipment – $1,000^ Hire equipment – $1,000^ Loss of pre-paid fees, passes, lessons – $500^ Piste closure – $100 per day^+ Bad weather & avalanche closure – $500^ Unlimited medical & evacuation Own equipment – $2,000^ Hire equipment – $2,000^ Loss of pre-paid fees, passes, lessons – $1,000^ Piste closure – $100 per day^+ Bad weather & avalanche closure – $1,000^
20Adventure Activities Own equipment – $1,000^ Hire equipment – $1,000^ Unlimited medical and evacuation Own equipment – $2,000^ Hire equipment – $2,000^
21Water Sports Own equipment – $1,000^ Hire equipment – $1,000^ Unlimited medical and evacuation Own equipment – $2,000^ Hire equipment – $2,000^
22Wheeled Activities Own equipment – $1,000^ Hire equipment – $1,000^ Unlimited medical and evacuation Own equipment – $2,000^ Hire equipment – $2,000^
23Golf Cover Own equipment – $5,000^ Hire equipment – $750^* Pre-paid green fees – $500^ Hole-in-one – $300 Own equipment – $5,000^ Hire equipment – $1,000^* Pre-paid green fees – $500^ Hole-in-one – $300
*Sub limits apply, ^per insured Adult, × per policy, # Waiting periods

14 – Ocean Cruise Cover


Domestic Comprehensive

  • Unlimited medical costs and evacuation
  • Cabin confinement – $2,500*^
  • Cabin confinement – $1,000^
  • Formal attire – $1,000^
  • Missed port – $500 *^
  • Marine rescue diversion – $300*^

International Comprehensive

  • Unlimited medical costs and evacuation
  • Cabin confinement – $2,500*^
  • Cabin confinement – $1,000^
  • Formal attire – $1,000^
  • Missed port – $1,000 *^
  • Marine rescue diversion – $500*^

15 – Search & Rescue


Domestic Comprehensive

  • $120,000×

International Comprehensive

  • $120,000×

16 – Pet Care


Domestic Comprehensive

  • Cancellation due to pet health – $3,000^
  • Pet boarding cover due to delayed return – $1,000^

International Comprehensive

  • Cancellation due to pet health – $3,000^
  • Pet boarding cover due to delayed return – $1,000^

17 – Concerts & Other Events


Domestic Comprehensive

  • Cancelled events – $3,000^
  • Journey disruption – $2,000^

International Comprehensive

  • Cancelled events – $3,000^
  • Journey disruption – $5,000^

18 – Business Cover


Domestic Comprehensive

  • Business equipment – $4,000^
  • Business equipment hire – $1,500^
  • Loss or theft of business money – $1,000^

International Comprehensive

  • Business equipment – $4,000^
  • Business equipment hire – $1,500^
  • Loss or theft of business money – $2,000^

19 – Snow Sports


Domestic Comprehensive

  • Own equipment – $1,000^
  • Hire equipment – $1,000^
  • Loss of pre-paid fees, passes, lessons – $500^
  • Piste closure – $100 per day^+
  • Bad weather & avalanche closure – $500^

International Comprehensive

  • Unlimited medical and evacuation
  • Hire equipment – $2,000^
  • Hire equipment – $2,000^
  • Loss of pre-paid fees, passes, lessons – $1,000^
  • Piste closure – $100 per day^+
  • Bad weather & avalanche closure – $1,000^

20 – Adventure Activities


Domestic Comprehensive

  • Own equipment – $1,000^
  • Hire equipment – $1,000^

International Comprehensive

  • Own equipment – $2,000^
  • Hire equipment – $2,000^

21 – Water Sports


Domestic Comprehensive

  • Own equipment – $1,000^
  • Hire equipment – $1,000^

International Comprehensive

  • Own equipment – $2,000^
  • Hire equipment – $2,000^

22 – Wheeled Activites


Domestic Comprehensive

  • Own equipment – $1,000^
  • Hire equipment – $1,000^

International Comprehensive

  • Own equipment – $2,000^
  • Hire equipment – $2,000^

23 – Golf Cover


Domestic Comprehensive

  • Own equipment – $5,000^
  • Hire equipment – $750^*
  • Pre-paid green fees – $500^
  • Hole-in-one – $300

International Comprehensive

  • Own equipment – $5,000^
  • Hire equipment – $1,000^*
  • Pre-paid green fees – $500^
  • Hole-in-one – $300

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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.

Valid passport

If you’ll be leaving Australian waters, check your passport is valid with at least 6 months of validity left from the date of the end of your cruise.

Check-in & documentation

Ensure you know what the check-in procedures and requirements are for your cruise. While every cruise may not require you to show proof of your travel insurance, many strongly recommend it or make it a condition of travel.

Luggage allowance

Check what your luggage allowance is and for any items you can and cannot take aboard.

Check entry requirements

Ensure you meet the entry requirements for each location you plan to disembark the cruise and obtain any necessary visas, vaccinations and documentation.

Research the region

Research the region you will be travelling to so you’re aware of any potential safety or health risks.

Book excursions

Reserve any shore excursions you’re very keen to do in advance of your cruise to ensure you don’t miss out.

Pack for all occasions

Pack for all occasions to ensure you can meet any dress code requirements (which typically includes casual clothing for daytime activities and more formal attire for evening dining and events).

Travel insurance

Organise your travel insurance with PassportCard before you depart- get a quote now

Take a printed copy of your policy

Our tip is to carry a carry a printed and digital copy of your travel insurance policy, including the emergency assistance contact number of your insurance company.

Cruise travel insurance FAQs

No, Ocean Cruise Cover is an optional extra. If you’ll be going on an ocean cruise, it’s important to add the Ocean Cruise Cover option when completing your quote to ensure it is included with your policy.

If you are going on a multi-night ocean cruise it is essential that you add Ocean Cruise Cover to your travel insurance policy. While our comprehensive domestic and internation 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 such as Ocean Cruise Cover, 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.

You are automatically covered under the policy if you are on a Riverboat cruise and do not need to take out Ocean Cruise Cover.  We will cover you for the benefits listed under Ocean Cruise Cover while you are enjoying your Riverboat Cruise, including international emergency medical, cancellation costs, Formal Attire and Missed Ports.

A Riverboat Cruise operates on inland waterways such as European River cruises or Northern Australia River cruises, including where a cruise may travel a short distance via coastline or a harbour to transfer from one river to another. If your journey includes a multi-night ocean cruise, you’ll need to purchase the optional Ocean Cruise Cover to receive cover for your ocean cruise.

Yes, please include every scheduled port stop on your itinerary, no matter how short the visit. Providing this information ensures your policy accurately reflects your journey and allows us to keep you updated on any important alerts affecting your ports of call.

No, you are automatically covered under the policy if you are on an overnight fishing trip or watching whales in territorial waters.  We will cover you for international medical costs and cancellation costs.

Cover your next trip with PassportCard

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*Sub limits apply, ^per insured Adult, × per policy, # Waiting periods, ~ Limited to 12-month period, + per day, ¹PassportCard Travel Insurance recognised in Mozo Experts Choice Awards 2025 – more information on the awards research methodology at Mozo. The Canstar 2025 Innovation Excellence Award was received in April, 2025 for PassportCard Travel Insurance- www.canstar.com.au.  Most awarded travel insurance company of 2025 as of 4 September 2025 – more info

All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.  

Check Travel Alerts – they may affect your policy. For emergencies, call (24/7) +61 1800 490 478 or WhatsApp us