Set sail with our twice 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?
Travel Insurance Benefits
We offer three products: Flexi International, Comprehensive International and Domestic. The below table outlines maximum benefits payable per adult.
| Benefits | Flexi International |
Comprehensive International |
Domestic |
|---|---|---|---|
$Unlimited* (Instant payouts using the PassportCard) |
$Unlimited* (Instant payouts using the PassportCard) |
Not available |
|
|
$Unlimited* |
$Unlimited* |
$Unlimited* |
|
|
$60,000*^ |
$60,000*^ |
$60,000*^ |
|
|
$10,000*×# |
$10,000*×# |
Not available |
|
|
$250^ |
$250^ |
$250^ |
|
|
$350^ up to $700× on the PassportCard |
$350^ up to $700× on the PassportCard |
$350^ up to $700× on the PassportCard |
|
|
$5,000,000× |
$5,000,000× |
$5,000,000× |
|
Limit chosen* |
Limit chosen* |
Limit chosen* |
|
|
Limit chosen* |
$25,000*^ |
$10,000^ |
|
|
$45,000*^ |
$45,000*^ |
$45,000*^ |
|
|
Limit chosen* |
$10,000× |
$10,000× |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
|
|
Sub-limits apply* |
Sub-limits apply* |
Sub-limits apply* |
*Sub-limits apply, ^Per adult Insured Person, ×Per policy, #Waiting periods, 
Optional Benefits
Optional Benefits
Optional Benefits are benefits you can choose to add to your Flexi International, Comprehensive International and Domestic cover. The below table outlines maximum benefits payable per adult.
| Benefits | Flexi International |
Comprehensive International |
Domestic |
|---|---|---|---|
|
$20,000×
|
$20,000×
|
$20,000×
|
|
|
Concerts and Events
Cancelled Events
$3,000^
$3,000^
$3,000^
Missed Event Due To
Trip Disruption
$5,000^
$5,000^
$2,000^
Cancelled Events
$3,000^
Missed Event Due To
Trip Disruption $5,000^
Cancelled Events
$3,000^
Missed Event Due To
Trip Disruption $5,000^
Cancelled Events
$3,000^
Missed Event Due To
Trip Disruption $2,000^ |
|||
|
Ocean Cruising
Medical and Evacuation
$Unlimited*
$Unlimited*
$Unlimited*
Cabin Confinement
$2,500×*
$2,500×*
$2,500×*
Pre-Paid Shore
Excursion Cancellation
$1,000^
$1,000^
$1,000^
Lost, Damaged or Delayed
Arrival of Formal Attire
$1,000^
$1,000^
$1,000^
Marine Rescue Diversion
$500×
$500×
$300×
Missed Port
$100×*
$1,000×*
$500×*
Medical and Evacuation
$Unlimited*
Cabin Confinement
$2,500×*
Pre-Paid Shore
Excursion Cancellation $1,000^
Lost, Damaged or Delayed
Arrival of Formal Attire $1,000^
Marine Rescue Diversion
$500×
Missed Port
$100×*
Medical and Evacuation
$Unlimited*
Cabin Confinement
$2,500×*
Pre-Paid Shore
Excursion Cancellation $1,000^
Lost, Damaged or Delayed
Arrival of Formal Attire $1,000^
Marine Rescue Diversion
$500×
Missed Port
$1,000×*
Medical and Evacuation
$Unlimited*
Cabin Confinement
$2,500×*
Pre-Paid Shore
Excursion Cancellation $1,000^
Lost, Damaged or Delayed
Arrival of Formal Attire $1,000^
Marine Rescue Diversion
$300×
Missed Port
$500×*
|
|||
|
$120,000×
|
$120,000×
|
$120,000×
|
|
|
Snow Sports
Medical and Evacuation
$Unlimited*
$Unlimited*
$Unlimited*
Own Snow Sports Equipment
$2,000^
$2,000^
$1,000^
Snow Sports Equipment Hire
$2,000^
$2,000^
$1,000^
Ski Pack Pre-Paid Fees Cancellation
$1,000^
$1,000^
$500^
Piste Closure
$100×*
$2,000×*
$1,000×*
Bad Weather and
Avalanche Closure
$1,000^
$1,000^
$500^
Medical and Evacuation
$Unlimited*
Own Snow Sports Equipment
$2,000^
Snow Sports Equipment Hire
$2,000^
Ski Pack Pre-Paid Fees Cancellation
$1,000^
Piste Closure
$100×*
Bad Weather and
Avalanche Closure $1,000^
Medical and Evacuation
$Unlimited*
Own Snow Sports Equipment
$2,000^
Snow Sports Equipment Hire
$2,000^
Ski Pack Pre-Paid Fees Cancellation
$1,000^
Piste Closure
$2,000×*
Bad Weather and
Avalanche Closure $1,000^
Medical and Evacuation
$Unlimited*
Own Snow Sports Equipment
$1,000^
Snow Sports Equipment Hire
$1,000^
Ski Pack Pre-Paid Fees Cancellation
$500^
Piste Closure
$1,000×*
Bad Weather and
Avalanche Closure $500^ |
|||
|
Adventure Activities
Medical and Evacuation
$Unlimited*
$Unlimited*
$Unlimited*
Own Adventure Activities
Equipment
$2,000^
$2,000^
$1,000^
Adventure Activities
Equipment Hire
$2,000^
$2,000^
$1,000^
Medical and Evacuation
$Unlimited*
Own Adventure Activities
Equipment $2,000^
Adventure Activities
Equipment Hire $2,000^
Medical and Evacuation
$Unlimited*
Own Adventure Activities
Equipment $2,000^
Adventure Activities
Equipment Hire $2,000^
Medical and Evacuation
$Unlimited*
Own Adventure Activities
Equipment $1,000^
Adventure Activities
Equipment Hire $1,000^ |
|||
*Sub-limits apply, ^Per adult Insured Person, ×Per policy, #Waiting periods, Optional Benefits
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 2024 & 2025 Canstar Outstanding Value & Innovation Awards were awarded in Nov 2024 and April & Nov 2025, to 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.