Cruise travel insurance

Cruises have evolved from luxury trips for the wealthy to affordable holidays for families, couples and anyone wanting a stress-free and unique way to explore the world.

If you're planning to take a cruise, even if it's just in Australian waters, we recommend that you get travel insurance.

Is travel insurance for cruises really necessary?

As with all other types of holidays, the unexpected can happen, and you may not be eligible for Medicare once your ship leaves port.

According to the Department of Foreign Affairs and Trade (DFAT), Medicare benefits are only available if you're travelling between two Australian ports, and services are provided by a Medicare-eligible doctor.

Medicare benefits are not available for journeys between an Australian port and a foreign port, or between two foreign ports.

Medical costs on board a cruise can be quite exorbitant, and cruise travel insurance can help to reduce any financial burden caused by medical emergencies.

Other scenarios where cruise ship travel insurance could come in handy:

  • You've booked in advance but can't make the trip after all because something unforeseen happens
  • Your luggage or belongings are lost or stolen
  • There's an accident at sea

Who should buy cruise travel insurance?

Anyone planning a cruise should consider getting covered:

  • Families travelling with kids
  • Seniors / retirees
  • Honeymooning couples
  • Groups of friends
  • Travellers on the trip of a lifetime
  • Single travellers

Where can I buy cruise travel insurance?

Cruise lines are likely to offer their own travel protection programs but these usually offer secondary cover, which is generally more limited than similarly priced cover from standalone policies.

We recommend you get a policy that is underwritten by a reputable insurer, such as Australia Post's travel insurance.

For international cruises, consider cover with our international travel options.

For domestic cruises in Australian waters, consider cover through our International Comprehensive plan. In the online quote form, under 'Country I'll be spending the most time in', type in 'Domestic Cruise' then select the Indonesia, NZ and South West Pacific region.

Our cruise insurance provides cover for emergency medical assistance as well as emergency overseas medical and hospital expenses.

Please note that medical treatment is covered on cruise ships even if that ship is within Australian territorial waters. However, we will not cover medical treatment provided on Australian inland waterways or on ships tied up in an Australian port.

Whatever policy you decide to get, make sure you review the terms and conditions carefully to understand what is and isn't covered.

This advice is general in nature, and doesn't consider your needs or personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.

Limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551). Insurance products are issued by Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603. Review your own needs and the relevant Product Disclosure Statement before deciding to buy this insurance. Download a copy of the combined FSG/PDS (548kb) here, or for our In-store international Travel Insurance policy download a copy of the $6 a day Travel Insurance Product Disclosure Statement (388kb) here or the $10 a day Travel Insurance Product Disclosure Statement (444kb) here, or contact us on 1300 728 015 or email auspost@travelinsurancepartners.com.au

Get a quote

    • Area of Travel

      Where you travel will influence your premium.

      Single Trip

      Select an area of travel based on where you will spend the most time on your journey.

      Note: If you plan to spend more than 20% of your time in the Americas or Africa, you must select the area that includes these countries.

      Annual Multi-Trip

      Select an area which will cover all the countries you plan on visiting over the year. Cover includes domestic journeys provided the destination is more than 250 km from your home in Australia.

      Note: If you plan to spend more than 20% of any single journey in the Americas or Africa, you must select the area that includes these countries.

    • Travel Start Date
      Single tripsAnnual multi-trips

      The date you depart Australia

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      Cover under all other sections begins from the Travel Start Date you select.

      The date your policy will commence

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      For further information, we recommend you read the definition of 'Relevant Time' in the Product Disclosure Statement.

      Travel End Date
      Single tripsAnnual multi-trips

      The day you arrive back at Australia

      Regardless of what you enter as the Travel End Date, you will be quoted for a 12 month Annual Multi-Trip.

      For further information we recommend that you read the definition of 'Relevant Time' in the Product Disclosure Statement.

    • Age of adult travellers

      Enter the current age of all travellers, except accompanied children.

      Accompanied children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years.

      See the Product Disclosure Statement for more information.

    • Age of all accompanied children

      Accompanied Children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years. See the Product Disclosure Statement for more information.

      Enter the number of accompanied children who are on the policy in the box below.

    • Do all travellers live in
      Australia? Help(?) - All live in Australia?

      Please note that policies can only be issued to Australia citizens and permanent residents who will be returning to Australia at the completion of the period of insurance and within 12 months of the journey commencing; and who have not yet commenced their journey.