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Cruises in Australian waters
Medicare or your private health insurance will usually not cover the costs of using the medical facilities on a cruise ship, even if it is staying within Australian territorial waters. This means you may be out of pocket if you need to see a doctor unexpectedly while on board.
You can add Cruise Cover to your Domestic Comprehensive Cover to ensure you are covered for unforeseen medical expenses (including medical evacuation) even while you are within Australian territorial waters, cabin confinement, pre-paid shore excursion cancellation, lost or damaged or delayed arrival of formal attire, marine rescue diversion and missed port.
Other PassportCard policies
^You must be travelling overnight and more than 100km away from your home