Travel insurance is probably one of the last things on your mind when you book a cruise.
But maybe it should be.
Cruise travel insurance can give peace of mind for the cost of medical emergencies, cancelled shore excursions, delayed luggage, and even if you need to cancel your cruise. Many cruise travel insurance policies even cover the cost of medical evacuation off the ship.
Will Medicare cover me on a cruise?
You won’t be covered for medical costs during a cruise if you stop outside of Australia, or in a few other situations. “Medicare benefits are only payable to cruise passengers travelling between two Australian ports, with no stops outside Australia, and only if services are provided by an accredited Medicare provider.” – SmartTraveller.gov.au.
You should be able to get cruise insurance whether you’re a senior, a family, or a single traveling.
Cruise Travel Insurance Comparisons for Australians
There are several companies that offer travel insurance for cruises. Here are our cruise travel insurance reviews for Australians.
Travel Insurance Direct
Travel Insurance Direct offers specific insurance for cruises.
On the home page, when you get a quote, click in the Countries you are travelling to box, and then you can select Australian Waters, South Pacific Cruise, Mediterranean Cruise, European River Cruise, Caribbean Cruise, Alaskan Cruise or Worldwide.
You’re covered for medical costs on board, and you policy may also reimburse your prepaid excursions you miss out on due to illness and provide medical evacuation from the shore to the nearest medical facility.
You can get a quote on the Travel Insurance Direct website.
Cover-More Cruise insurance
Cover-More offers cruise insurance as an add-on to regular travel insurance policies. You can choose a zero dollar, $100 or $250 excess.
You can get a cruise insurance quote on the Cover-More website. Adding cruise insurance is an option at the second stage of the quote, after you’ve entered your dates and destination.
Fast Cover Travel Insurance
Fast Cover Travel Insurance realizes that cruises are taken by all sorts of Australians, who sometimes want adventure, and sometimes want a relaxed time at sea.
Their cruise travel insurance covers medical expenses, evacuation and repatriation, losses, damage and theft. They even offer cover if you take a tour or side trip on land.
You can get a quote on the Fast Cover Travel Insurance website.
Columbus Direct offers cruise insurance.
Important: How To Choose The Correct Area Of Cover For Your Cruise Policy Good news: Columbus Direct doesn’t charge any extra premium when you’re going on a cruise. However, it’s important that you select a destination area that covers the international waters your ship may be travelling into. For instance, if your cruise takes you around the East Coast of Australia, the destination area of your policy will likely need to be ‘South Pacific’, even if the boat only docks in Australian ports. Your policy will then provide cover in case you need medical treatment on board or need to be repatriated from the ship while it is sailing in international waters. However there will be no medical cover while you’re in Australia (ie ashore or at a port whereby Medicare services apply).
You can get a quote on the Columbus Direct website.
Other Companies that Offer Cruise Travel Insurance
We’re working on getting more information on each company, but here’s a short list of other travel insurance providers to check for student travel insurance for Australians.
- Southern Cross Travel Insurance
- Travel Insuranz
Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully and visit the travel insurance company website or talk to your travel insurance agent for specific, up-to-date quotes and policy information.