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.
2025’s #1 award-winning travel insurance
How does the PassportCard Instant Payouts work?
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 1 | Cancellation & Journey Disruption | ✓ (Cover Chosen)* | ✓ (Cover Chosen)* |
| 2 | Overseas Medical & Dental Expenses | X | Unlimited* (Instant payouts using the PassportCard) |
| 3 | Hospital Related Expenses | X | ✓ $10,000*# |
| 4 | Accidental Death | ✓ $30,000*^ | ✓ $30,000*^ |
| 5 | Permanent Disability | ✓ $30,000^ | ✓ $30,000^ |
| 6 | Loss of Income | ✓ $45,000 *#× | ✓ $45,000 *#× |
| 7 | Travel Documents & Credit Cards | ✓ $5,000× | ✓ $5,000× |
| 8 | Theft of cash | ✓Up to $500 on the PassportCard | ✓Up to $500 on the PassportCard |
| 9 | Luggage & Personal Effects | ✓ $10,000* | ✓ $25,000* |
| 10 | Luggage & Personal Effects Delay Expenses | ✓$250 on the PassportCard, maximum of $1,000* | ✓$250 on the PassportCard, maximum of $1,000* |
| 11 | Travel Delay Expenses | ✓ $2,000*^# | ✓ $6,000*^# |
| 12 | Personal 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×
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 14 | Ocean 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*^ |
| 15 | Search & Rescue | ✓ $120,000× | ✓ $120,000× |
| 16 | Pet 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× |
| 17 | Concerts & Other Events | ✓ Cancelled events – $3,000^ ✓ Journey disruption – $2,000^ | ✓ Cancelled events – $3,000^ ✓ Journey disruption – $5,000^ |
| 18 | Business 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^ |
| 19 | Snow 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^ |
| 20 | Adventure Activities | ✓ Own equipment – $1,000^ ✓ Hire equipment – $1,000^ | ✓ Unlimited medical and evacuation ✓ Own equipment – $2,000^ ✓ Hire equipment – $2,000^ |
| 21 | Water Sports | ✓ Own equipment – $1,000^ ✓ Hire equipment – $1,000^ | ✓ Unlimited medical and evacuation ✓ Own equipment – $2,000^ ✓ Hire equipment – $2,000^ |
| 22 | Wheeled Activities | ✓ Own equipment – $1,000^ ✓ Hire equipment – $1,000^ | ✓ Unlimited medical and evacuation ✓ Own equipment – $2,000^ ✓ Hire equipment – $2,000^ |
| 23 | Golf 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
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, 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
*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.