Cruise Travel Insurance

A cruise can be one of those experiences that stays with you for a lifetime. Whether you’re sailing the Pacific islands, cruising the Caribbean or embarking on a voyage of Australia’s tropical north coast, a cruise can offer that elusive ideal balance between relaxation and exploration.

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:

Medical Emergencies & Evacuation

Emergency medical treatment and evacuation if you become sick or injured while on a cruise overseas

Dental Emergencies

Emergency dental treatment for sudden and acute pain while on a cruise overseas

Cabin confinement

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

Shore excursion confinement

Cover if a pre-paid shore excursion is cancelled due to cabin confinement

Formal attire

Cover if your formal attire is lost, damaged or delayed on a cruise

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

How can I add cruise cover to my policy?

Simply add the ‘Cover While Cruising’ option when completing your PassportCard travel insurance quote and we’ll automatically include it with your policy. Here’s how it works:

Step 1: Choose a plan


Trip Cancellation Theft of Cash
Basic Comprehensive
Budget-friendly cover for all the essentials Broader protection for some of the most common claims

Step 2: Add ‘Cover While Cruising’

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!

Bon voyage!
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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.

** 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. Terms and conditions of the PassportCard also apply.

Get covered for your cruise with PassportCard

Before you set sail, make sure you’re covered with PassportCard. Whether you’re cruising domestically or internationally, our cruise travel insurance provides valuable peace of mind that you’ll be covered if things don’t exactly go to plan—so all you have to do is sit back, relax and enjoy the sunshine!
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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


Ensure you know what the check-in procedures are for your cruise

Luggage allowance

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


Find out what documentation may be required by the cruise operator

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)


If you take any medication, ensure you pack enough to allow for any potential delays

Travel insurance

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

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.

Travel Alerts: World events and “Do Not Travel” advice may affect your policy. Please read our Travel Alerts. If you need emergency assistance, contact the 24/7 Global Assistance team on our reverse charge number: +61 1800 490 478