best cruise travel insurance australia

Cruise travel insurance

Cruise travel insurance can cost as little as $6 a day. pop in your trip details, filter to see cruise options and compare quotes from 14 brands – that’s more than any other site in australia..

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In this guide

Do you need special travel insurance for a cruise?

Is cruise travel insurance worth it, can you get travel insurance for covid on a cruise, compare cruise travel insurance benefits, how to find the best cruise travel insurance, cheap cruise travel insurance, frequently asked questions.

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What you need to know

• Aussies love cruises, with 26% of us considering taking a cruise soon.
• Alas, things can go wrong at sea, and costs like medical expenses can blow out quickly.
• Travel insurance that covers cruising is kind of essential, but not too expensive.

'Cruise travel insurance' is typically a normal travel insurance policy with cover for cruising added onto the policy. You'll get all the standard travel insurance benefits, such as cover for cancelletions and medical care, but it offers some extra, cruise specific coverage. This might include:

• Onboard medical expenses,
• Emergency evacuation,
• Missed ports,
• Missed cruise departure,
• Cabin confinement,
• Formal cruise attire,
• Marine rescue diversion, and more.

Travel insurance is almost always worth it, and cruise travel insurance is even more so. The main reason for this is because you will really want medical coverage on your trip.

You're probably won't be covered by Medicare on a cruise, so all medical bills will ahve to be paid out of your own pocket. Medical bills can reach the thousands when they're not subsidised, and cruise ships charge a premium for everything. Cruise insurance can reimburse you if something goes wrong. If something goes really wrong, you can also get cover for evacuation expenses to get you to an Aussie hospital quickly.

Yes, lots of travel insurance policies now cover COVID-related expenses if you catch the virus. This can include onboard medical expenses, medical evacuation and cancellation or rearrangement costs. For example, if you catch COVID before your cruise, you can cancel and get reimbursed for your trip, usually up to $5,000.

A small proportion of Australians (10%) say they don't plan to book a cruise in the next 12 months because COVID has ruined it, according to a 2023 Finder survey.

COVID still makes up 11% of all claims. On average we are paying out claims for cancellation and travel disruption due to COVID to the value of $1,500, which is a sizeable cost.

Jo McCauley CEO - Southern Cross Travel Insurance

Based on our research, we believe these are the most important features of a cruise travel insurance policy.

Note: This information was last updated March 2024 * Missed port cover: Cover if your cruise skips a scheduled port due to weather restrictions or mechanical breakdowns. ** Cabin confinement: Cover if you're confined to you cabin (usually for more than 48hrs) due to a serious illness.

The best cruise travel insurance is a policy that is most suited to your individual needs. It's not just one specific policy. To help you find the best cruise travel insurance, follow the simple steps below.

Choose a single trip or annual multi-trip policy. Think about all the trips you'll be taking over the next 12 months. If there are 2 or more, an annual policy will save you money and time.

Compare brands. Some brands cover more than others and come with higher limits for certain benefits.

Choose a brand you trust. If you've never bought cruise travel insurance, look at forums for reviews . Just be careful, since reviews are written by the general public and are heavily influenced by negative outcomes.

Buy your cruise travel insurance as early as possible. Most insurers will cover your cancellation fees if you have to cancel due to unforeseen circumstances, so it pays to buy early .

If you're travelling on a budget and need an affordable policy, getting cheap cruise travel insurance is possible but you might have to sacrifice a few benefits. The most important thing is to have cover for medical treatments and emergency evacuation. Anything on top of that is a bonus.

The table below shows how the cheapest policies usually cover medical and emergency assistance only on cruises. It also shows the price difference among the cheapest, and why paying a bit more money for a policy gives more benefits for your cruise.

We got these prices in November 2023 for a 30-year-old going on a South Pacific cruise for 14 days, with a standard excess of $200.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top cruise insurance tips

• Remember, you're not covered by Medicare on a cruise, even if it's only in Australian waters. Make sure you get cover - on-ship treatment is super-pricey.
• Comprehensive insurance should cover missed connections, but reduce the risk by allowing plenty of time for connecting flights if you're not cruising from your home city.
• Drinks package warning: travel insurance likely won't cover your for inuries that occur while you're drunk.

Why you can trust Finder's travel insurance experts

Do I need cover for each location I visit?

You don't need separate policies, but you do need to tell your insurer every place you will be visiting by sea or by land. This helps them work out the price of your quote.

Most travel and cruise insurance policies provide automatic cover for stopovers of up to 48 hours.

Does cruise travel insurance cover me if I get sick?

Yes, cruise travel insurance covers your medical expenses while onboard. It can also give you an allowance if you're confined to your cabin for more than 48 hours due to a sickness such as gastroenteritis. This benefit is called cabin confinement.

What if I'm just taking a short cruise as part of a longer holiday?

You will still need cruise insurance, but technically only for the length of the cruise. However, it can be tricky to find a single policy that lets you split your cruise and non-cruise portions. Here are your best options:

• Stick with a cruise policy for the whole trip. Remember, cruise insurance covers you on and off land, and you may find that this option is not much more expensive than a normal policy anyway.
• Double up by getting a standard policy and a cruise policy. If you're only out to sea for a couple of days, you might consider buying cruise insurance on top of the normal travel insurance that's covering the rest of your trip. You'll be paying twice, but hey, if you save a few bucks, you're still ahead. Just remember you won't be able to make the same claim on both policies.
• Work out an arrangement with the insurer. If you don't want to double up or pay for cruise insurance when you won't be using it, try contacting an insurer and see if they can create a custom policy for you.

Can I get insured for my cruise if I have a pre-existing medical condition?

Yes, it’s possible, especially if you can prove that your pre-existing condition is stable or you haven’t had any significant issues for at least 12 months.

Am I covered for activities that I'll be doing on the cruise such as snorkelling and other watersports?

Not necessarily, so check the fine print. You may need to purchase an additional adventure sports pack to make sure you have the cover you need.

What region should I include when getting cruise insurance?

When you take out travel insurance, include every country that you'll be visiting. If you miss one, any claim you make could be denied. If you're cruising domestically, probably select the Pacific region, which will usually include New Zealand, Bali, the south-west Pacific and Norfolk region, and the waters in between. If you're still unsure what region to select for your domestic cruise, check out your insurers product disclosure statement (PDS) for confirmation.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Jessica Prasida

Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification. See full bio

More guides on Finder

The best travel insurance policies are different for each individual traveller.

Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.

If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.

Compare Travel Insurance Saver with other policies to see if they are right for you.

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Guide to high-risk travel insurance: What is and isn't covered.

Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.

With a workforce in 2 countries, Easy Travel Insurances provides a range of policies combined with customer service 24/7/365.

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Travel Insurance For Australian & International Cruise

Pack smart with cruise travel insurance.

Cruise travel insurance can provide you with cover in case of emergencies on-board the cruise ship as well as for onshore excursions.  

Whether you’re taking a cruise from Australia to the USA or the other way round, planning to enjoy a trip around Asia, or simply taking a domestic cruise, accidents and other unforeseen events like losing your luggage can happen. And that’s why many people consider travel insurance for cruises. Travel insurance that includes a cruise policy option means you can have a range of benefits available should you incur unexpected medical, hospital, evacuation and repatriation expenses whilst on the water.  

All of our cruise policies include unlimited access to an experienced Emergency Assistance team available 24 hours a day, 7 days a week and 365 days a year. If you run into trouble or need advice while on your cruise holiday, help is just a phone call away from anywhere in the world.  

And if you have an existing medical condition , we may be able to help - our travel insurance poli cies can provide cover for many existing medical conditions. Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

What types of cruises can be covered?

Fast Cover can provide cover for:  

• International cruises: both large (more than 200 passengers) and small ship cruising (less than 200 passengers).  
• Australian cruises in the sea or ocean: large ship cruises that take you out into the sea or ocean from a couple of days to several weeks or even months.  
• Australian cruises along the Australian coastline: small ship cruises that take you along the Australian coastline and can explore rivers and estuaries.

How do I know if I need to take out a cruise policy?

You must take out a cruise policy if you are travelling on a cruise ship and you are cruising in:  

• Australian waters, the New Zealand or the South Pacific Region for 1 night or more.   

For example: cruising to NZ and back, South Pacific Island cruise, overnight cruise from Melbourne to Hobart or Kimberley cruises.  

• Asia, Europe or Worldwide Regions for 4 nights or more.   

For example: cruising in the Greek islands, sail Croatia cruises, multi-night Halong Bay cruises or cruises around the world on the Queen Mary.  

We consider a ‘cruise ship’ to be a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that you are travelling in).  

What cruises are automatically covered?  

You do not need to purchase a cruise policy if you are:  

• T aking a river cruise along a river such as the Danube or Seine  
• On a short day cruise on a bay, such as Halong Bay in Vietnam  
• Island hopping on a small boat that is not a cruise ship  
• Cruising for only a few hours and you are not sleeping on the boat  
• Taking a short one hour ferry ride to an island  
• On a houseboat on the river  

Am I covered for the time I spend on land during my cruise trip?

If you’re combining a land tour or side trip with your cruise, our specialist cruise travel insurance can provide cover for that part of your trip too! For example, if you go on a cruise trip, take an onshore excursion and then a 3 day train journey, we can provide you with cover for both the land and sea portions of your trip on the one cruise travel insurance policy.  

And if you’re taking multiple cruise holidays, you may have the option of purchasing a Frequent Traveller Saver travel insurance policy. This policy automatically includes cover for cruises, and you can go on as many cruise trips as you like within a 12 month period and for the duration that you choose (based on the options available under the policy) when you purchase your policy.

Will Medicare cover me for a cruise in Australia?

For cruise ships with an on-board doctor:  .

Many Australian travellers mistakenly believe that they’re automatically covered by Medicare if they’re cruising in Australian waters.  

However, Medicare card benefits may not apply on your cruise even if in domestic Australian waters unless there’s a Medicare registered doctor on-board the cruise ship, which is unlikely, as the large cruise lines aren’t usually owned by an Australian comp any .  

So , if a sickness or injury occurs on the cruise ship and requires medical attention, many people are surprised to find they could be charged at private rates. That’s why when taking a cruise which has a doctor on-board, you’ll find that many travellers arrange cruise travel insurance so that cover is available for their on-board medical expenses, the cost of emergency medical evacuation from the cruise ship by helicopter to the mainland and when overseas, their medical expenses.  

For cruises without an on-board doctor:  

Cruises along the Australian coast give you the advantage over an overseas cruise , as you'll be able to access Australian medical facilities. I f you’re seriously sick or injured in a remote location and medical treatment is not available on - board the cruise , cover is available under a cruise policy for you to be evacuated to a spot where an ambulance or Royal Flying Doctor Service can pick you up , and take you to an Australian hospital to be treated by Australian doctors. In circumstances such as these you may be able to use your Medicare card and your private health insurance to cover the medical expenses from the time you’re transferred to the ambulance or Royal Flying Doctor Service. 

Do I need Australian cruise travel insurance for cruises along Australian coastal waters?

Even if you’re simply taking cruises around the Australian coast, it’s a good idea to have cover just in case something unexpected happens: you may have to cancel your Australian cruise before you’re even able to leave your home due to an unexpected sickness or injury , not be able to continue your domestic cruise trip because you’ve injured yourself while embarking or disembarking , or accidentally drop and damage your phone while taking photos of the stunning view.  

Another reason to consider buying domestic cruise travel insurance - even if it’s just along the Australian coastline - is that you may be injured whilst visiting a remote location and need to be evacuated to where the Royal Flying Doctor Service (RFDS) or ambulance is able to pick you up to take you to a medical facility for treatment.  

Buying Australian domestic cruise insurance can reimburse you for your unexpected expenses or provide you with evacuation cover.

Cruise travel Insurance Benefits f or Domestic and International Cruises

Cruise travel insurance policy benefits.

The benefits available to you for your cruise trip will depend on the type of cruise policy that you purchase and can include:  

Overseas emergency medical and hospital expenses

If you’re unexpectedly sick or injured on your overseas cruise, or on-board your Australian cruise, cover is available for the medical expenses that you incur to see the on-board doctor.  

Medical Evacuation and repatriation expenses

In case of an emergency such as sickness or injury, you may be covered for the flight home or to get to the nearest hospital .

Trip Cancellation Expenses

The Cancellation benefit can reimburse you for the payments or deposits you’ve already made towards your trip, not just for the cruise itself, but also any domestic flights, accommodation, and excursions.  

This benefit provides you with cover before you leave for your cruise, and also during your cruise , if you have to cut your trip short due to a sickness or injury , or other circumstances that are covered under the policy .

Disruptions to your trip

If your cruise is disrupted because you, your travelling companion or a family member back home is seriously sick or injured or a natural disaster prevents your cruise from continuing its planned itinerary , you can claim for the additional transport and accommodation expenses that you incur.

Luggage and personal belongings

Cameras, hearing aids, phones and the other personal belongings that you bring with you on your domestic cruise can be covered under the luggage and personal belongings benefit .  

Travel delay expenses

Cover for additional food and accommodation expenses that you may incur if your scheduled transport is delayed for more than 6 hours.  

Special event transport expenses

Your booked transport to get to your cruise trip is delayed or cancelled? You may have cover to get to your cruise on time.

24-hour emergency assistance

Practical help when you need it most. Experienced medical advisors are just a phone call away, with 24-hour Emergency Assistance included in all our cruise travel insurance policies.

Optional Extras

We’ve built policies that include the benefits you may need on your cruise trip. However, we also know that every cruise holiday is different, so that’s why we offer optional add-ons that allow you to customise your travel insurance policy to suit the type of cruise trip that you’re taking.

Adventure Pack

For those wanting to turn their onshore cruising activities into adventures ranging from a bseiling and f lying f ox / z ip l ining to q uad b iking and w ater s kiing.

Specified High Value Items

If you’re bringing valuable items with you, you can declare and protect those items, and we won’t apply depreciation to it.

Rental Vehicle Insurance Excess

Make the most of onshore adventure time by hiring a car - and if you add this benefit to your policy, you can have cover for the rental vehicle insurance excess in your rental vehicle insurance with your car hire company. Rental vehicle insurance excess is not available under the Basics policy and is automatically included up to $5000 under a Domestic Plus policy.  

Motorcycle Pack

If you ’ re intending to ride or be a passenger on a motorcycle, moped or scooter, consider taking out the Motorcycle Pack (not available on the Domestic Plus policy) just in case you’re injured in an accident while you’re experiencing the cobbled laneways of Europe or the open roads of the USA a little differently with the help of a Vespa or Harley.

Make sure you consider the PDS for details on policy eligibility, terms, conditions, exclusions and limits that apply.  

Who Can Get Insurance Cover For Cruises ?

Whatever type of traveller you are, our travel insurance policies can provide you with a simple way to help protect yourself and your hard-earned money, both before you leave home and during your cruise trip.

Your cruise isn’ t smoo th sailing?  

Cruise cover for domestic coastal cruising can provide cover for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to a hospital or medical facility for treatment.  

For overseas cruises or domestic cruises with a doctor on board the cruise ship, cover is available under the cruise policy for medical expenses incurred whilst on board the cruise ship or evacuation from the cruise ship i f you ’ re seriously injured or sick.  

Note that there is no cover for medical expenses or medical transportation provided on land in Australia.

Gathering as a group of family and friends on an international or domestic cruise is truly a once in a lifetime adventure. Your whole group can take out Fast Cover travel insurance, which means you’ll only have to remember one emergency assistance number should unexpected situations or emergencies arise.

Available to parents and their dependent children, or grandparents travelling with their grandchildren, the whole family can have cover whether you’re cruising in international waters or exploring the coastline of Australia.

Single travellers

Travelling alone? Just in case something goes wrong on your solo trip , the emergency assistance team can be contacted 24/7.

Whether using European waters as the perfect backdrop for a proposal or boarding a sampler cruise on Australian waters for a break from reality, every cruise should be special. However, unexpected events can happen - cruise travel insurance can provide cover just in case the unexpected happens, including:  

• Theft of your camera , provided you have complied with the terms and conditions of the policy, such as taking reasonable care to protect your camera and belongings at all times , including but not limited to, not l eaving them unsupervised or in a publi c place .  
• One (or both) o f you fall ill and need medical care .    
• If you’re on a domestic coastal cruise, cover is provided for you to be evacuated to a location where the ambulance or Royal Flying Doctor service can pick you up to transfer you to a medical facility for treatment .   
• On an international cruise , or domestic cruise with a doctor or medical facilities on board , cover is available for the medical expenses you incur whilst on board the cruise ship, or to be evacuated off the cruise ship for transfer to a hospital on land.    

Note that there is no cover for medical expenses or medical transportation provided on land in Aust ralia.

Make sure you consider the PDS for details on policy eligibility, terms, conditions, exclusions and limits that apply

What isn’t included in domestic cruise travel insurance?

If you ’ re taking a domestic Australian cruise, some of the things we are not able to cover include (but are not limited) to the following:  

Medical Cover  

Where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover for domestic cruises (including for out -o f - pocket expenses).  

Delay of luggage and personal effects - final return leg of trip home  

If your luggage is delayed, misdirected or misplaced by your airline or cruise operator on the final return leg of your trip home from your cruise, you should contact your airline or the cruise line as soon as you can.  

Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.  

Cruise destinations that can be covered

1. Australia domestic  

Cruising around Australia offers a wealth of unique experiences and attractions that make it a compelling destination… even for ‘ locals’ !    

2. New Zealand  

So close and so amazing! Cruising to New Zealand’s north and south islands offers a plethora of unique experiences and breathtaking scenery that are difficult to find elsewhere.   

 3.  Asia  

  Embrace the rich culture, natural wonders and shopping metropolises of destinations like Singapore and Malaysia, Thailand and Vietnam, Indonesia and Bali, Japan and the Philippines and even Cambodia.   

 4.  Europe and the mediterranean  

From historic landmarks and world class beaches to unique dining experiences and cultural attractions, cruising around Europe and the Mediterranean is a once in a lifetime adventure. Think Amsterdam and Budapest, the French Riviera, the Greek Islands, and the Italian Coast.  

5. Middle East and Africa  

Perfect for adventure seekers and history buffs, Middle East cruising is all about exploring a different world. A world in which desert safaris are there to be wandered through and seemingly commonplace experiences like markets that need to be seen to be believed.   

 6.  South Pacific  

Complete with otherworldly natural landscapes and waters showcasing the deepest and clearest of blues, the pace of South Pacific cruising can be as relaxing or as fast paced as you’d like.    

Note: We are unable to offer travel insurance for cruising to every overseas country. To check which countries may be covered, enter your destination country in the quote.

Things you should know about Fast Cover Cruise Insurance Policy

• Just cruising in Australian waters? A cruise travel insurance policy can cover you for a range of unexpected on-board medical expenses.  
• Travel insurance policies for cruising can provide cover whether you’re on-board the cruise ship or while you’re travelling on land.  
• Evacuation or repatriation cover in medical emergencies is a benefit feature for both domestic and international cruises.  
• Depending on the policy that you choose for your cruise, y ou can be covered for unexpected cancellations to protect the deposits you’ve already paid for your trip .   
• Medical screening is available if you wish to apply for cover for your existing medical condition (s) .  
• A huge list of leisure and sport activities can be covered, including snorkelling, fishing, body boarding and helicopter rides.

Before you go... Read These Essentials

1. Safety Travel Advice  

International and domestic cruising is a great adventure. While it can be easy to get lost in the pace of life on a cruise ship, it’s important to keep safety at the fore. Something as simple as a slippery deck or a bad meal at the buffet can put a serious dent in your plans. Read on for the best cruise safety tips .  

2. How To Find Your Perfect Cruise  

With a seemingly never-ending list of cruising options, finding the best cruise can feel a little overwhelming. To choose the right adventure, refine your search by thinking about your list of must-see destinations and how long you would like to be away for. For more tricks to picking the best cruise, read our guide .    

Please note: any advice is general advice only and has not taken into account your individual objectives , financial situation or needs. Consider the PDS and TMD prior to deciding whether this policy is right for you.

Australian Cruise Travel Insurance FAQs

Do i need travel insurance for a domestic cruise in australian waters.

Even though your cruise may never leave Australian waters, or even the coastline, a cruise travel insurance policy may prove invaluable if something does go wrong on your cruise. This can include cover for emergency medical evacuation if you are seriously sick or injured on your cruise, cancellation expenses if you are not able to go on your cruise due to an unexpected situation, and stolen luggage.

For Australian cruises with a medical practitioner and medical facility onboard Unless there's a Medicare registered doctor on-board the cruise ship, you won't be able to use your Medicare card if you have to see the doctor. As most cruise ships are owned by American companies, it's unlikely you'll be able to use your Medicare card, which means you'll be charged for the service. While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations, and in an emergency, you may need to be evacuated off the ship and back onto land, so that you can be transported to a hospital for treatment. However, please note that there is no cover for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance as the cruise is a domestic cruise. For Australian cruises with only staff trained and accredited in advanced first aid If you require medical evacuation and you are in a remote location (as is sometimes the case on cruises to the Kimberley region), there is cover under our domestic cruise policies for any necessary private transport (such as a tourist helicopter) to transfer you to medical transport. However, please note that there is no cover for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance as the cruise is a domestic cruise. Note: If you require medical evacuation, you MUST contact our Emergency Assistance Team on 02 8320 7999 to organise this, or the AMSA (Australian Maritime Safety Authority) on 1800 641 792 / +61 2 6230 6811 to arrange the evacuation. A helicopter or seaplane company should NOT be contacted directly prior to speaking to Fast Cover Emergency Assistance or AMSA. Failure to do so may result in your claim being unpaid. What region do I choose if I am doing a cruise in Australian waters? If you will be cruising in Australian waters or coastline, choose ‘Australia’ or ‘Australia (domestic)’ and select 'Yes' when asked if you are going on a cruise. What can I be covered for on my Australia cruise? The level of cover that you have depends on the type of cruise ship you are going on, and the policy you have chosen for your trip, and can include cover for: Cancellation expenses due to unexpected and unforeseen cancellations. Onboard medical expenses (for Australian cruises with a medical practitioner and medical facility onboard) Transfer to medical transport to convey you to a hospital. Lost, stolen or accidentally damaged luggage. Travel Delay Expenses Special Event Transport Expenses Theft of cash from your person while you are on the boat itself. There is no cover for cash not on your person at the time they were stolen and not locked secured in a safe. Can I get a medical only policy for my domestic cruise? Depending on the type of domestic cruise you are going on, you may be able to purchase our Basics travel insurance policy which provides you with medical, evacuation and repatriation cover. However, if your cruise trip involves you paying a large deposit a few months in advance of your cruise trip, flights, on-shore excursions or a land tour, you may consider looking into our other policies, which can provide you with additional benefits including cover in case you need to unexpectedly cancel your trip due to illness, your luggage being stolen, or your flights being delayed due to severe weather. If you have a medical condition, check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*. What type of Australian cruises can be covered? Kimberley cruises Cruises along the Australian coastline Around Australia cruises Sydney to Hobart and many more... Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) . Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. Consider the PDS prior to deciding whether this policy is right for you. Read more about cruising holidays: Australian cruise travel insurance Cruise health and safety guide Cruise travel insurance guide What should my travel insurance policy for a cruise include?

The benefits that are frequently looked for in cruise travel insurance include cover for:

• Cancellation costs if you have to unexpectedly cancel your trip due to reasons including sickness or injury,
• Evacuation and repatriation if you are seriously sick or injured on your cruise,
• Disruptions to your trip including natural disasters and severe weather, and
• Lost or damaged luggage.

You should also consider the type of trip you're taking, and your particular situation, including: 

• If you're pregnant and considering going on a babymoon cruise, you should check our Pregnancy Travel Insurance Guide to see if you can be covered for the stage of pregnancy you're in.
• If you're intending to do adventure activities such as snorkelling, diving, fishing or helicopter flights, you should check to see if the activity is covered or if you need to add the Adventure Pack to your policy for the activity to be covered.

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs.

Consider the PDS and TMD at Fastcover.com.au prior to deciding whether this policy is right for you, as policy terms, conditions, exclusions and limits apply.

How much is travel insurance for cruises?

The cost of a cruise travel insurance policy depends on the type of cruise trip that you will be taking amongst other factors.

There are many considerations in the cost of travel insurance for cruising, including but not limited to:

• The number of travellers
• The ages of the travellers
• Where the cruise is going to
• The duration of the whole trip
• The other types of activities that you may be planning to do: riding a motorcycle, moped or scooter, adventure sports, whether you'll be hiring a rental vehicle or bringing your bike with you.
• If you would like to reduce your Standard excess or increase the cover for your valuable items.
• The type of policy you choose for your trip.

To find out how much it would cost for a travel insurance policy for your cruise holiday, get a quote and see the options available to you.

What is cruise cover?

Cruise cover extends the benefits of our normal policies which provide cover for air and land trips, to include cover while you are on a cruise ship. This means that a cruise travel insurance policy can provide cover for the land, sea and air portions of your trip.

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website or you can contact us .

Cruise Insurance Quotes

Compare quotes and read reviews from Australia's leading travel insurance brands. Do your comparison online to save time, worry and loads of money.

why cruisers love .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} compare travel insurance

No hidden fees.

Travel agents and airlines charge huge commissions. We don’t! Our cruise insurance comparison is free. You'll be directed to the insurer's website to buy cruise insurance without sneaky charges.

On-board Medical Cover

Oh buoy, whether it’s a bout of food poisoning or a slip on the deck that sends you to the on-board doctor. you can rest assured your cruise policy will cover your expensive out-at-sea medical bills.

When You Go Off Course

Don’t fret if your flight is cancelled due to bad weather and you miss your boat setting sail – your cruise insurance will cover you for any pre-paid expenses you incur.

Product Choice

Ships ahoy! We compare cruise policies for all types of travellers from Australia’s reputable travel insurers, including 1Cover, Fast Cover, Budget Direct, Insure and Go, Zoom Travel Insurance and more!

Cruisey Convenience

Don’t waste time visiting 10 websites separately. Using our cruise comparison will put you nautical miles ahead of the pack. Save yourself time and money by comparing your cruise insurance today.

Your Belongings

Aye aye captain! Most people pack a schmick camera on the boat to take pics of all those amazing views. Be confident all your valuables are covered with the right cruise cover.

travel insurance extraordinaire .css-1eehdh8{color:var(--chakra-colors-bananaLight);display:inline;} at your service

Need some help? Check out out handy FAQS to help with all your curly travel insurance questions.

cruising insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} explained

Setting sail? You're not alone. Cruising is one of the fastest-growing holiday types amongst Aussie travellers. Whether you're cruising internationally or in domestic waters, medi-evacuations costing around $10,000 are just one reason you shouldn't leave home without cruise travel insurance.

With some brands, cruising is automatically covered in their comprehensive policy, while other insurers offer it as an optional add-on. We've taken the hunting around and guesswork out of it - simply enter your trip details with Cruise selected, and compare cruise travel insurance quotes from more than 25 of the top travel insurers. Remember to include the country of every port you are visiting, or regions like 'Pacific' or ' Europe' when entering your quote.

Why might you need cruise coverage? If you fall ill before you travel, you may have provision to claim back any lost deposits. If 20,000 leagues of sea get between you and your wallet, a comprehensive policy may cover lost cash, cards and replacing your all-important passport. And perhaps most importantly, when you're off exploring the world, it's important to know that you've got medical coverage should something unexpected happen.

medicare myth .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} stings aussies at sea

A common misconception is that Medicare covers cruisers in domestic water. When in fact Medicare coverage is restricted to around 20km from Australian ports, which means that once you’re out on the water; you’re on your own in terms of healthcare.

You are just as likely to fall ill, get injured or run into delays while cruising domestically as you are when travelling overseas. While cruise ships do have doctors on call, this doesn’t undermine the need for travel insurance. Infirmary bills can be as much as $5,000 per day and consultations and medications are usually charged at private, costly rates. In an emergency the facilities on board may not cut it, forcing you to evacuate to the nearest hospital. Without travel insurance, any medical fees and emergency transport expenses would be at your own cost.

If you consider the astronomical risks, cruise insurance is a no-brainer!

what does .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} cruise insurance cover?

Still not convinced you need cruise cover? Read on to find out why it's your ticket to 'sea' the world!

Medical costs onboard

It's an unpleasant reality but we all fall ill and get injured, even while taking the dream cruise of a lifetime. Cruise travel insurance would provide cover for medical, surgical, hospital treatment and ambulance services. Your pre-existing conditions may also be covered, provided you cleared them with your insurer beforehand.

Emergency evacuations

In the event that you fall ill or are injured and require emergency medical attention on land, cruise cover will pay for your emergency evacuation to the nearest hospital. Such costs can be exorbitant and far beyond the reach of most travel budgets so this benefit can’t be overlooked.

Luggage and personal belongings

Lost, stolen or damaged belongings can put a huge dampener on your experience at sea. Provided you were taking reasonable care of your possessions, they’d be covered up to a set limit, depending on your cover level. Your policy may provide additional cover for valuables which is worth noting when travelling with high value items.

Cancellations

Life sometimes gets in the way of your holiday plans. If you were to fall ill or were unable to board your cruise due to an unforeseen reason, travel insurance may cover your non-refundable cruise costs. Depending on your level of cover, you may be eligible to claim back all your lost costs. Cancellation cover kicks in as soon as you purchase your policy so it’s best to buy cover as soon as possible.

Cabin confinement

Cabin confinement is a necessary evil when it comes to containing the spread of disease on board a cruise ship. It’s to everyone’s benefit that patients are quarantined to avoid contagion but it’s no picnic for the poor passengers forced to stay holed up in their cabins. Thankfully travel insurance can ease the pain by reimbursing you for each day you are confined up to the maximum amount outlined in your policy.

Formal wear

Getting dressed up to the nines is part of the fun of cruising. But your black-tie and glam evening attire is probably on the pricier side, which can make it risky to take-on board. Some cruise policies cover your formal wear in the event of theft or damage, along with your other high-value belongings (i.e., phones, cameras and laptops). Check your policy to know your cover limits.

Missed departure

Running late is never a nice feeling but missing your cruise departure date is especially unpleasant. Should you miss your cruise departure due to an accident, bad weather or mechanical breakdown, travel insurance will cover any additional travel and accommodation expenses you require before getting back on board.

Pre-existing conditions

Having an illness or injury doesn't rule out your ability to get cover. Your pre-existing condition may be covered automatically or granted by application. It’s worth shopping around when comparing cruise policies as some insurers will cover a wider range of conditions, albeit at a premium.

Missed port cover

While not all cruise policies feature this benefit, missed port cover reimburses passengers in the event that bad weather or mechanical breakdowns cause them to miss their port stop. This benefit can be hugely helpful in mitigating the disappointment of a missed port stop.

trending .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} cruise tips

Cruise Insurance: The Ultimate Guide

Like any holiday, there are risks. With so much time spent on the water, and so much of your journey dependent on various port authorities, the only way to truly relax is to know you’re covered should something go wrong.

What does cruise insurance cover?

What many people don't realise is that even if you're cruising Australian waters, once your cruise ship has left port, you are no longer covered for medical expenses by Medicare or your usual private health care provider.

Pre-existing Medical Conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

cruise insurance .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} faqs

Am I covered automatically for going on a cruise?

It depends! Some insurers cover you for cruising automatically, others require you to purchase their cruise pack in order to be covered on land and sea. If you click 'more info' within the quote results, we tell you if the policy covers cruises automatically. Alternatively, when you are directed to your chosen insurer's site to buy, they will ask you if you want to add extras like cruise, activities, high value items and more. Make sure you select YES at this point if you are taking a cruise.

Do I need cruise insurance for domestic cruises?

Yes, you are required to purchase cover for cruising even when you're just sailing in domestic waters to be covered for any medical treatment you receive on board and for helicopter evacuation. You should select 'Pacific' in the quote process even if you're only cruising around Australia.

How much does it cost to visit the on-board doctor?

Even a quick trip to the on-board doctor can set you back a few bob! Consultations and medications on board are charged at private rates. These can amount to $250 for just a quick 10-minute appointment - so make sure you buy cruise insurance to cover you for any medical treatment you may require at sea.

Do I need to list every port we are visiting?

Yes, please include all destinations in your quote. If it's easier, you can opt to select a region. For example, if you are visiting Tonga, Fiji, New Caledonia, and Vanuatu. Instead of adding all destinations separately you can just select 'Pacific'.

What age can I buy travel insurance until?

Although you can compare seniors quotes up to the age 120 on Comparetravelinsurance.com.au, some insurers do have age limits you should be aware of. Our handy guide provides more details on seniors travel insurance age limits .

What pre-existing illnesses does seniors travel insurance cover?

Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medical condition not listed, you may be able to get cover for an additional fee. Depending upon the seriousness and recency of the condition, your application may require further assessment. See more about pre-existing conditions and medical assessments here .

Are golf clubs covered?

Not all travel insurance policies cover your golf clubs as standard, or luggage limits may apply. Make sure you do your research to make sure you are covered for clubs that are damaged in transit whilst in the hold. Or for damage to clubs whilst in use. See more information about who offers golf cover here .

Does seniors travel insurance cover hearing aids or false teeth?

Mid-range and Comprehensive policies provide cover for your items - but single item limits apply. Usually, you will be covered for around $750 per item. If your hearing aids or false teeth (or any other high-value item) are worth more than this, you'll need to tell your insurer so they can make sure you are properly insured.

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Choosing the best cruise travel insurance for you and your needs can be tricky - but our delightful customers are here to help. Thousands of Aussie travellers have reviewed their travel insurer so you can have the inside story on the policy, the customer service and the claims process before you buy.

Do you want to help your fellow travellers? Whether you're in love with your insurer or would rather leave them, review and rate them now.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590. 332 Kent Street, Sydney, NSW 2000 Australia.

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
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• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Cruise Travel Insurance Benefits

Protect your cruise holiday from medical expenses and more

Whether you’re on a cruise to the Pacific Islands, sailing through the Caribbean, or exploring the seas of Australia’s tropical north, cruise travel insurance benefits can help protect your trip from costs if something goes wrong.

At Cover-More, our goal is to provide you with quality cruise insurance benefits to help keep you safe. If you’re going on a multi-night cruise on the sea or ocean, you must tell us about your cruise for Cruise Cover to be added to your policy and an extra premium will apply. (This cover is not required for river cruises within Australia or international destinations.)

Still deciding whether to take a cruise or not? Read our helpful guides on how to choose the best cruise for you , and essential travel advice for your cruise . (Plus, check out our useful holiday preparation list , too.)

If you have specific questions about our Cover-More cruise insurance benefits, read our Cruise Cover benefits FAQs .

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Why do I need cruise travel insurance benefits?

Will medicare cover me for a cruise in australia, what happens if i get sick on a cruise, does cover-more travel insurance include cruise insurance benefits, what are cover-more's cruise travel insurance benefits, how do i buy cover-more's cruise cover.

• Do Cover-More's cruise travel insurance benefits cover medical costs?

Do Cover-More's Cruise Cover benefits cover emergency evacuations?

Does cover-more travel insurance cover existing medical conditions on a cruise.

Cruises are a great way to relax , bask in the sun and enjoy the sea breeze while exploring new destinations. So, it may come as a shock if your cruise experience isn’t exactly smooth sailing.

From delayed luggage to falling seasick, it can be difficult to predict what will happen on board – let alone the money you may lose if you must cancel your cruise before you even leave home.

Cruise Cover benefits can provide cover for medical costs on board, help you if you need to be medically evacuated off the ship, and provide reimbursement for lost luggage and non-refundable expenses (up to the cancellation amount you have added to your policy).

To enjoy the cruise holiday you deserve, we recommend you consider travel insurance for cruising for extra peace of mind, and support when you need it most.

No. Cruise ships are not obligated to have doctors registered to practice in Australia on board. This means if you visit a doctor on board, it may not be covered by Medicare and you may end up with out-of-pocket expenses.

This is why you should consider travel insurance for any cruises you take in Australia.

At Cover-More, our International plans include overseas medical expenses cover when you enter/select “Domestic Cruising” as your travel area and when you tell us about your cruise when you purchase travel insurance.

Our Cover-More cruise insurance international plans can include cruise cover when you tell us you are travelling on a sea or ocean cruise for two or more nights.

Domestic and international cruise ships do offer onboard medical assistance, but the medical staff are only there to stabilise your condition.

If you require urgent medical attention while on a cruise, you may need to be evacuated from your cruise and taken to hospital – which can be extremely costly depending on where you are in the world.

That’s where cruise travel insurance benefits can help when cruise cover is added to your international plan.

With our Cover-More cruise insurance benefits included in your policy, we can not only assist with medical costs, but you’ll have our expert 24-hour Emergency Assistance team on hand to help if you are hospitalised.

Travel insurance benefits for cruising are automatically included in our Cover-More travel insurance plans when you tell us you are travelling for two or more nights on a sea or ocean cruise.

If you are taking a multi-night cruise (except for river cruises within Australia), you must answer “Yes” to the question “Will you be travelling on an ocean or sea cruise for two or more nights?” and pay the additional premium to be protected in the event something goes wrong on your cruise. (This cover is not required for river cruises within Australia or international destinations.)

To see full details of our cruise insurance benefits, read the PDS .

Our Cruise Cover provides travellers with many benefits to assist if an accident, mishap, or delay occurs on their cruise holiday.

Our Cruise Cover benefits and benefit limits per adult are as follows:

Please refer to the PDS for limits, sub-limits, exclusions, and conditions that may apply to our travel insurance benefits for cruising.

Ready to get a quote? You can generate one online now.

Ready to book your cruising holiday and purchase our Cruise Cover to protect it? You can buy a travel insurance policy with cruise benefits through our website or by calling us on 1300 72 88 22.

To get a cruise quote online:

• Enter the area of travel you want cover for in the quote box . For international trips with cruises, choose the country, region, or “Anywhere in the World”. For domestic trips with cruises, choose “Domestic Cruise” – not “Domestic” – and an international plan with overseas medical expenses will be available. Our Domestic plans exclude cover for any medical expenses in Australia. (See below for more details on choosing your destination.)
• Select the dates of your first trip.
• Enter in the ages of travellers.
• Click ‘Get Quote’ to go to the next page.
• Select the best plan for you from the options displayed on the screen, including whether you want a Single Trip policy or an Annual Multi-Trip policy if the option is available to you.
• You’ll then be asked if you are travelling for two or more nights on a sea or ocean cruise. By selecting “Yes”, an additional premium will be added to your policy, and the cruise benefits will be included when the Certificate of Insurance is issued.
• Continue down the page to fill in the rest of your details.
• Declare any of your existing medical conditions.
• Pay for your policy.

Additional helpful information on how to choose the correct destination when getting a quote:

• If you’re cruising within Australia on an inland waterway (e.g. a Murray River cruise) or within Australian coastal waters (e.g. a Kimberley cruise where the cruise does not leave these waters), please chose or enter “ Australia ” for a Domestic Plan.
• If you're cruising from a port in Australia to another port(s) in Australia that does not stop at a port outside of Australia (e.g. a cruise from Sydney to Brisbane or a Kimberley cruise that leaves Australian waters), please choose or enter “ Domestic Cruising ” for an International plan which includes SECTION 1: Overseas Medical and Dental (including emergency repatriation/evacuation).
• If you're cruising overseas, possibly stopping in many destinations (e.g. a European river cruise, a Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/ Singapore), please enter every country you will be travelling to or enter a region.

Before purchasing our cruise travel insurance, read the PDS to ensure a Cover-More policy is right for you.

Do Cover-More's cruise travel insurance benefits cover medical costs on board?

Yes, our Cruise Cover benefits can provide cover for medical expenses incurred on board the ship and if you are offloaded from the ship. Without this type of cruise insurance benefit, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise.

One Cover-More customer visited their onboard cruise doctor after a sniffle that developed into influenza. Although quick, the doctor’s visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover, and we were able to settle their claim.

To find out how much it costs to protect your cruise, get a Cover-More quote online now.

Note: our claims are subject to approval.

Our cruise insurance benefits are vital in helping protect you against more serious medical claims, especially those that result in your emergency evacuation from a cruise.

It doesn’t matter if you’re on a cruise off the shores of Australia or on an overseas cruise, if you’re in the middle of the sea or ocean, it can be incredibly expensive to be transported to the nearest hospital via air or sea.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back to Australia for surgery totalled $86,000.

To protect your cruise with Cover-More, get a quote online or call 1300 72 88 22.

Not all existing medical conditions are automatically included in our plans, so you will need to go through the same medical assessment process we use for general travel.

If all of your conditions do not meet the existing medical condition criteria to be automatically included, you will need to complete an online medical assessment and if the cover is approved, pay the extra premium to us for cover. Ensure you disclose all your existing conditions to ensure you have the right cover.

You can visit our existing medical conditions (EMC) page to view a comprehensive list of conditions we cover.

Please note: if you are not approved for your existing medical conditions, we can still provide cover for lost luggage and travel documents, and any illness or injury not relating to your EMC.

Got more questions? Find your answers over on our dedicated FAQs for cruise travel insurance page .

Want us to protect your cruise holiday?

Find our Cruise Cover and get ready to set sail.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^Cover chosen applies per policy.    If you do not tell us about your cruise, claims in any way related to your multi-night cruise, and multi-night cruise travel or that arise while on a multi-night cruise are specifically excluded by this policy.

• Cruise Travel Insurance
• Worldcare Travel Insurance

Worldcare’s Comprehensive, Domestic and Multi-Trip plans provide the option for eligible customers to purchase an additional 'Cruise Pack',  which is designed to cover medical costs onboard, ship to shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more* .

Whether you’re a seasoned cruiser or planning your first trip on a cruise liner —you may be eligible to add a Cruise Pack,  leaving you free to relax and enjoy yourself!

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to  Product Disclosure Statement  for full details.

Cruise Pack — what’s covered?

• Medical Cover while Cruising#
• Evacuation Cover — Ship to Shore#*
• Cabin Confinement#*
• Pre-paid Shore Excursion Cancellations#
• Formal Cruise Attire Lost, Damaged or Stolen#
• Formal Wear Delayed#
• Marine Rescue Diversion#*

This is a summary of the cover provided.  Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the Product Disclosure Statement .

#You only have cover for these benefits if the relevant pack has been purchased.

*Sub-limits apply — refer to the Optional Covers — Cruise Pack and Snow Pack Policy Benefits in the Product Disclosure Statement for details.

Why choose Worldcare Travel Insurance to cover your cruise?

Medical coverage and access to an extensive global medical network*

Many pre-existing medical conditions covered, upon application (additional premiums may apply)*

Available for travellers of any age on our Comprehensive and Domestic Plans*

Travellers on a Multi-trip plan can also purchase our cruise pack, provided you are aged under 75 years at the time the Certificate of Insurance is issued*

We’ve been assisting Australians overseas for over 35 years.

If you’d like more information on what’s covered or would prefer to get a quote over the phone, call 1800 008 614 and we’ll be happy to help.

The above is a summary only. *Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to  Product Disclosure Statement  for full details.

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Claims and Client Services

• 1300 726 087

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Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (AGA) which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the  Product Disclosure Statement . The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html . AGA receives a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

© 2024 AWP Australia Pty Ltd ABN 52 097 227 177. All rights reserved.

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Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Cruise Travel Insurance

With our tailored Cruise Travel Insurance, cruisers get all the benefits of the Single Trip policy^, plus additional inclusions that are unique to cruising, such as reimbursements for certain necessary additional expenses due to a cruise delay.

Our cruise insurance policy^ is available in three levels of cover; Bare Essentials, Silver and Gold, so you can choose coverage that suits your needs. All levels of cover provide you with access to an expansive global 24/7 emergency assistance network, with over 31,000 points of assistance across all continents, and an easy  online claims process .

Why Travel With Us for a Cruise Trip?

Cruise Travel Insurance Benefits:

• Trip Cancelation Before Departure:  If it is necessary and unavoidable to cancel your cruise, we will pay certain unrecoverable travel costs and expenses. This is available in our Cruise Silver and Gold levels of cover, and you should consider purchasing cover as soon as you book your cruise, in case of cancellation.
• Missed Cruise Departure:  Should you miss the scheduled departure of your pre-booked cruise from Australia due to certain events, we will cover you for certain reasonable and necessary additional travelling expenses to continue with your original itinerary.
• Medical Expenses:  We offer unlimited cover for necessary and reasonable medical expenses on board and onshore (outside of Australia) such as medical, surgical, hospital treatment and ambulance.
• Missed Port Cover:  If your cruise never docks at a port during a trip due to adverse weather restrictions or mechanical breakdown, we will pay for each scheduled missed port. This is available in the Cruise Silver and Gold policies.
• Personal Belongings & Baggage:  We provide coverage if your personal belongings are lost, stolen or damaged during your cruise, or up to 72-hours prior to your cruise departure in Australia. Sublimits apply.
• Reimbursements for Shore Excursions:  If it is necessary and unavoidable for your cruise to be cancelled or cut short, you may be covered for certain costs, subject to the level of cover selected.
• Cabin Confinement:  If you are confined to your cabin due to medical reasons as advised by a ship medical officer, InsureandGo will pay $75 for every 24 hours a passenger is confined up to the defined amount outlined in table of benefits in our Silver and Gold cruise policies.
• Cruise Delays:  We will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip your departure by sea vessel is delayed for more than 12 hours. This cover is available in our Silver and Gold cruise policy and you will be reimbursed for each complete 12-hour period you are delayed. Limits and sublimits pay apply.
• Emergency Medical Transportation:  We provide certain cover (outlined in the policy wording) for passengers, if they require urgent transportation to a medical facility or need to return home for emergency treatment.

These benefits are a summary, so please see our  PDS  for full terms & conditions.

Which destination to select for your cruise journey :

Please note:  Our policies do not cover claims arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Myanmar, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe.

Don't leave home before you've read our travel insurance guides

Get the best cruise travel insurance.

Aye Aye captain… Get the right cruise travel insurance for your trip by following our top tips!

Cruising the high seas is sure to please, with something on offer for everyone. Forget lugging your heavy suitcase around and queuing two hours for bus tickets; cruises combine the excitement of seeing new destinations every day, with the luxury of sleeping in the same bed every night and only unpacking your suitcase once! And what’s better than a drink on the deck with the wind in your hair!?

However, going on a cruise isn’t always smooth sailing… 

These days going on a cruise isn’t just about lying on the deck catching rays on the sun-lounger- there are a heap of activities you can partake in such as zip-lining, climbing walls, water slides, swimming pools and even surf machines! These are all great fun but also come with their fair share of risks.   Avoid spoiling your trip and letting the smallest things go wrong by simply getting the right cover. Cruise insurance can cover your adventure activities, cancellations due to bad weather, pre-existing medical conditions, medical evacuation, rental hire excess and much more.   Here are a few things to look out for...

Cruise ships do not provide Medicare treatment

What many travellers don’t realise is that even if your cruise is not leaving Australian waters, you are not covered by Medicare or your private health insurance once you have left port. If you haven’t purchased appropriate cover, you could end up spending thousands of dollars on emergency evacuation back to the mainland in the event of an accident or medical emergency. While you may be a perfectly fit and healthy person, you never know what unexpected medical emergency might happen, from sea sickness to slipping over on the deck. Treatments, consultations and medications on board cruise ships are charged at private hospital rates; so don’t ignore insurance on the basis of being “healthy”. Cruise insurance is crucial to cover you for accidents, illness and injury.

What cruise insurance shall I buy?

When selecting travel insurance for cruises, the most important thing is to double check that your insurer doesn’t require an additional loading for cruise holidays. Many insurers will cover cruises automatically, but some require a specific ‘cruise’ option to be selected.

Which destination should I pick?

You should also be careful when selecting the destination. Even if the cruise is not leaving Australian waters, you won’t be covered by domestic policies as they usually exclude medical cover. If your cruise is going around the Pacific Islands but stopping in Hawaii for a day, you will need to make sure you have insurance that will cover you in America. If your cruise is heading up to Indonesia or South East Asia, you should double check that all the countries you are stopping in are covered by the policy.

If you plan on participating in adventure sports or water sports such as surfing, scuba diving and windsurfing, you should make sure that your insurer would cover these activities too.

Find cheap cruise insurance

A good way to find a cheap travel insurance policy that won’t break the budget is to do an online comparison of quotes, and then compare the top two or three quotes for the level of cover you’re looking for. Use compareinsurance.com.au to compare cruise insurance policies in seconds.

Make sure that you are covered for emergency evacuation from ship to shore, and double check if there is an excess that would void small claims for things like seasickness. Now what? Once your insurance is sorted, you can relax on board and take in the beautiful ocean scenery without having to worry about a thing! Compare cruise insurance policies now. On Yours Marks, Get Smart, Compare.

"Cruising has two pleasures. One is to go out in wider waters from a sheltered place. The other is to go into a sheltered place from wider waters." Howard Bloomfield, Author, Sailing to the sun

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Cover for overseas cruises

Our International Comprehensive policy has an optional add-on for cruises overseas, leaving you free to sit back, relax and enjoy the view.

From unexpected changes to tours and lost bags, to health emergencies and cancellations, our cruise cover travel insurance can help you and your family feel secure with our International Comprehensive policy, should something go wrong. Remember to read your Product Disclosure Statement  carefully, to ensure you’ll be looked after by our experts when you need it most.

Our International Comprehensive insurance also includes cover for:

• Unlimited medical and evacuation expenses
• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental vehicle excess
• Emergency dental treatment
• Funeral expenses

Included in your policy, you’ll get access to our worldwide emergency assistance team who are just a phone call away, and available 24 hours a day, 7 days a week.

For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement  to decide if International Comprehensive is right for you and your overseas cruise trip.

Cruise travel insurance

Considering a cruise for your next holiday.

There’s nothing better than exploring exciting destinations while enjoying the comfort and luxury of a cruise ship. But like any holiday there are risks involved, and these can be particularly expensive on a cruise…so why wouldn’t you make sure you’re covered if the unexpected happens?

Why choose a cruise?

When it comes to planning your next holiday, choosing the right type of adventure can make all the difference in creating a memorable and relaxing experience. While there are numerous options available, embarking on a cruise is a fantastic choice that offers a unique blend of convenience, exploration, and leisure. We’ve outlined some reasons a cruise could be ideal for your next trip away:

• Convenience & All-Inclusive: Enjoy a hassle-free holiday with accommodation, meals, entertainment, and transportation bundled into one, simplifying your travel experience.
• Diverse Destinations, One Trip: Explore multiple destinations in a single journey, from exotic islands to historic cities, making the most of your travel time.
• Unpack Once: Say farewell to constant packing and unpacking; on a cruise, you unpack just once, waking up in new destinations without moving your suitcase about.
• Variety of Activities: Find entertainment, relaxation, and adventure on board, from world-class shows to spa treatments, catering to travellers of all interests.

Explore our range of cruising insurance policies to find the right cover for you!

Cover for domestic cruises

Perhaps you’re after a shorter trip or just want to enjoy the beautiful coastline or waterways of Australia? Our Domestic policy has an optional add-on for cruise cover, so you can relax on your next cruise adventure.

Our Domestic cruise travel insurance also includes cover for:

• Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
• Pet services
• Childcare expenses

For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement  to decide if our Domestic policy is right for you and your domestic cruise trip.

Top tips for cruise insurance

For more information on choosing travel insurance for a cruise, read our cruise tips and advice:

• Make sure you select the cruise add-on when buying your policy.
• Consider the total cost of your cruise when selecting your cancellation cover amount.
• If you are planning on participating in any water sport activities during your trip, such as diving or kayaking, please check the policy conditions to ensure these are covered.
• Don’t leave your travel insurance to the last minute. Buy your policy as soon as you’ve booked your cruise to ensure there's cover for unexpected cancellations or illness before you travel.
• Carefully read all policy conditions to ensure you purchase the best cruise travel insurance for you.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic .

The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

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What Travel Insurance Should I Consider For An Australian Cruise?

• Uncategorized
• October 31, 2023

So you’ve booked yourself a dream Australian cruise and now you’re wondering what travel insurance to get. Well, fret not, because we’ve got you covered. In this article, we’ll explore the best travel insurance options specifically tailored for an Australian cruise. Whether you’re worried about medical emergencies, trip cancellation, or lost baggage, we’ll help you navigate through the sea of choices and find the perfect coverage that suits your needs. So sit back, relax, and let us guide you on this journey to finding the ideal travel insurance for your upcoming adventure Down Under.

Table of Contents

1. Types of Travel Insurance

When it comes to going on an Australian cruise, having the right travel insurance is essential. But with so many options available, it can be overwhelming to choose the right one for your needs. To make the decision easier for you, let’s explore the different types of travel insurance that you should consider.

1.1. Trip Cancellation and Interruption Insurance

Trip cancellation and interruption insurance provides coverage if you have to cancel or cut short your cruise due to unforeseen circumstances. This could include illness, injury, or death of a family member, natural disasters, or other emergencies. With this coverage, you can recoup the costs of your prepaid expenses, such as cruise fares and non-refundable deposits.

1.2. Medical Coverage

Medical coverage is a crucial aspect of travel insurance, especially when you’re going on a cruise. While cruise ships usually have medical facilities on board, they may not be sufficient for serious medical emergencies. Medical coverage ensures that you are protected financially in case you require medical treatment during your cruise.

1.3. Emergency Evacuation Coverage

Emergency evacuation coverage is essential when traveling on a cruise ship, as you are more likely to be far away from medical facilities in case of a serious illness or injury. This coverage provides for emergency medical transportation to the nearest appropriate medical facility or back to your home country, if necessary.

1.4. Baggage Protection

Baggage protection insurance is designed to cover the loss, theft, or damage of your luggage and personal belongings during your cruise. This can provide peace of mind, knowing that you will be financially compensated if your belongings are lost or damaged during your trip.

1.5. Travel Delay Coverage

Travel delay coverage is crucial when going on an Australian cruise, as unexpected delays can occur due to weather conditions, mechanical issues, or other unforeseen circumstances. This coverage provides compensation for additional expenses incurred due to travel delays, such as accommodation and meals.

1.6. Accidental Death and Dismemberment Coverage

Accidental death and dismemberment coverage provides financial protection in the unfortunate event of death or serious injury resulting from an accident during your cruise. While nobody wants to think about such scenarios, having this coverage ensures that you and your loved ones are financially protected.

1.7. Pre-Existing Medical Condition Coverage

If you have pre-existing medical conditions, it’s important to choose a travel insurance policy that offers coverage for these conditions. This coverage can help cover medical expenses related to your pre-existing conditions if they flare up during your cruise.

1.8. Cancel for Any Reason Coverage

Cancel for any reason coverage provides the most flexible protection, allowing you to cancel your cruise for any reason and receive reimbursement for your prepaid expenses. This coverage is ideal for those who want to have the option to cancel for non-medical reasons, such as work obligations or personal emergencies.

1.9. Rental Car Coverage

If you plan on renting a car during your Australian cruise, it’s important to consider rental car coverage. This coverage provides protection against damage or theft to the rental car, as well as liability coverage for any damage caused to other vehicles or property.

1.10. Cruise-specific Coverage

Some travel insurance providers offer cruise-specific coverage, which includes additional benefits tailored to cruise passengers. These benefits could include coverage for missed port of call, cabin confinement, or prepaid excursion cancellations. If you’re going on an Australian cruise, it’s worth considering a policy that offers cruise-specific coverage.

2. Factors to Consider

Now that we’ve discussed the different types of travel insurance available, let’s explore the factors you should consider when choosing the right policy for your Australian cruise.

2.1. Trip Cost

The cost of your cruise and other prepaid expenses should be taken into account when choosing a travel insurance policy. Make sure the coverage limits of the policy align with the total cost of your trip to ensure adequate protection.

2.2. Medical Needs

Consider your own medical needs and any potential health concerns when choosing a policy. If you have pre-existing conditions or require specific medical treatments, make sure the policy provides adequate coverage for these needs.

2.3. Itinerary and Cruise Activities

Take into account the specific activities and excursions you plan to participate in during your cruise. Ensure that the policy covers any high-risk activities or sports you’ll be engaging in.

2.4. Age and Pre-Existing Medical Conditions

Your age and any pre-existing medical conditions can affect the coverage and premiums of your travel insurance policy. Some policies may have age restrictions or exclusions for certain medical conditions, so it’s important to choose a policy that caters to your specific needs.

2.5. Duration of the Cruise

The length of your Australian cruise should also be considered when selecting a travel insurance policy. Ensure that the policy covers the entire duration of your trip, including any pre- or post-cruise stays.

2.6. Deductibles and Coverage Limits

Review the deductibles and coverage limits of each policy you’re considering. A higher deductible may result in lower premiums, but make sure the coverage limits are sufficient for your needs.

2.7. Price and Affordability

Compare the prices of different travel insurance policies to find one that fits within your budget. However, remember that the cheapest policy may not offer the best coverage, so strike a balance between price and coverage.

2.8. Customer Reviews and Reputation

Research the reputation and customer reviews of the travel insurance providers you’re considering. Look for positive feedback and testimonials to ensure that the insurer has a good track record of customer satisfaction.

2.9. Claim Process and Support

Consider the ease of the claim process and the level of customer support provided by the insurer. Look for policies that offer 24/7 assistance and a streamlined claims process to make the experience as smooth as possible.

2.10. Additional Benefits

Take note of any additional benefits or services offered by the travel insurance providers. This could include concierge services, medical assistance, or additional travel perks that may enhance your cruise experience.

3. Recommended Travel Insurance Providers

Now that you have a better understanding of the types of travel insurance and the factors to consider, let’s explore some recommended travel insurance providers for your Australian cruise.

3.1. InsureMyTrip

InsureMyTrip is a popular choice for travelers due to its wide range of coverage options and excellent customer service. They offer comprehensive coverage that can be tailored to your specific needs and budget.

3.2. Allianz Global Assistance

Allianz Global Assistance is a well-known travel insurance provider that offers a variety of plans to suit different travelers. They have a reputation for efficient claim processing and a solid track record in the industry.

3.3. Travel Guard

Travel Guard provides comprehensive travel insurance plans with a focus on customer satisfaction. They offer 24/7 assistance and a quick and efficient claims process.

3.4. World Nomads

World Nomads is a popular choice for adventurous travelers. They offer flexible coverage options and cater to a wide range of activities, including those considered high-risk.

3.5. Travelex Insurance

Travelex Insurance is known for its comprehensive coverage and customizable plans. They have a strong reputation in the industry and offer a variety of coverage options to suit different travelers’ needs.

3.6. Seven Corners

Seven Corners offers a range of travel insurance plans, including options specifically designed for cruise travelers. They provide comprehensive coverage and excellent customer support.

3.7. John Hancock Insurance

John Hancock Insurance offers a variety of travel insurance plans, including options with high coverage limits. They have a reputation for excellent customer service and prompt claims processing.

4. Tips for Choosing the Right Policy

To help you choose the right travel insurance policy for your Australian cruise, here are some tips to keep in mind:

4.1. Assess Your Needs and Priorities

Take the time to assess your specific needs and priorities. Consider the coverages that are most important to you based on your cruise itinerary and personal circumstances.

4.2. Compare Quotes and Coverage

Obtain quotes and compare the coverage options from different travel insurance providers. Look for policies that offer the most comprehensive coverage within your budget.

4.3. Read the Fine Print

Carefully read the terms and conditions of each policy. Pay attention to any exclusions, limitations, or special requirements that may affect your coverage.

4.4. Seek Expert Advice

If you’re unsure which travel insurance policy is best for your Australian cruise, consider seeking advice from a travel agent or insurance professional. They can provide insights and help you navigate the options.

4.5. Understand Exclusions and Limitations

Be aware of any specific exclusions or limitations in your travel insurance policy. This could include restrictions on certain activities, age limits, or pre-existing condition limitations.

4.6. Consider the Reputation and Financial Stability of the Insurer

Look for travel insurance providers with a strong reputation and financial stability. A reputable insurer is more likely to provide reliable coverage and support when you need it.

4.7. Check for Policy Upgrades and Add-ons

Some policies may offer upgrades or add-ons that can enhance your coverage. Consider if these options are worth the additional cost based on your individual needs.

4.8. Evaluate the Claim Process and Customer Service

Research the claim process and customer service quality of the travel insurance providers you’re considering. Look for positive reviews regarding their responsiveness and efficiency in handling claims.

4.9. Take Advantage of Special Discounts or Promotions

Keep an eye out for special discounts or promotions offered by travel insurance providers. These can help you save money while still obtaining the coverage you need.

4.10. Review and Update Coverage as Needed

It’s important to review your travel insurance coverage periodically and make any necessary updates. Life circumstances and travel plans can change, so ensure that your policy remains relevant and adequate.

5. Conclusion

When planning an Australian cruise, it’s crucial to have the right travel insurance to protect yourself and your investment. Consider the types of travel insurance available, the factors to consider when choosing a policy, and the recommended travel insurance providers. By following these tips and making an informed decision, you can enjoy your cruise with peace of mind, knowing that you’re covered in case of any unforeseen events.

Matt and Carol

Hi, We are Matt and Carol and we're delighted to welcome you to Cruising Market! As the authors behind this website, we are passionate about providing helpful information for both new and experienced cruisers. Whether you're looking to learn more about vacationing on a cruise ship, seeking answers to commonly asked questions, or simply in search of exciting things to do and places to see on your upcoming voyage, we've got you covered. Additionally, you can even discover some amazing items that are essential for a memorable cruise experience. Join us as we navigate the incredible world of cruising together!

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Travel Insurance for Cruises

Before you set sail into the sunset, consider whether you have the right travel insurance for cruises

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•   Things to know
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•   Australian cruise coverage
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Important things to know about RACV Travel Insurance for cruises

Cruising can be a spectacular way to see the world or even just explore your own country in new, exciting ways. Whether you’re voyaging through the crystal-clear waters of the South Pacific, meandering through the Mediterranean or exploring Australia’s West Coast, cruise holidays can offer everything from total relaxation to action-packed adventure. RACV Travel Insurance includes limited COVID-19 cover #  on  RACV Comprehensive Travel Insurance  and  RACV Domestic Travel Insurance .

However, before you set sail into the sunset, you should consider whether you need travel insurance. If so, you should make sure you have the right  travel insurance  that covers you for cruises.

RACV Members get 15% off RACV Travel Insurance

Cruise cover

When you purchase a policy cruise option must be selected for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your Policy and you do not need to select the Cruise option.

Travel Insurance for Australian Cruises

If you’ve booked a cruise that’s only travelling around Australia and isn’t leaving Australian waters, you probably think that you won’t need travel insurance.

However, it’s important to consider travel insurance when cruising around Australia, as it can provide cover for cancellation fees and lost or delayed luggage as well as providing medical coverage while at sea. RACV International Travel Insurance policies include coverage for cruises in Australian waters.

If you are going on a cruise which is only in Australian waters or calling into ports in Australia, you may still require a policy which includes medical cover whilst you are on board the ship (check with your cruise provider) as the medical providers are not registered with Medicare. You will therefore need to select Australian Cruise as your country of destination. By selecting Australian Cruise as a destination you will be offered the international policy options and benefits. This will then provide cover for medical and evacuation benefit whilst at sea but not if you go to a medical provider whilst in port in Australia.

What is covered?

Depending on the type of cover chosen, RACV Travel Insurance policies may provide the following cover:

• Medical expenses and medical evacuation while on board the ship, from medical providers on board who are not registered with Medicare (Medicare or your private health insurer may cover you if you seek medical treatment on land, whilst the ship is in port)
• Lost or delayed luggage (sub-limits apply for the loss of specific items)
• Cancellation fees
• Lost deposits
• Emergency expenses,
• and so much more.

This cover provided by RACV Travel Insurance policies is subject to terms and conditions, limits (including sub-limits) and exclusions. For a comprehensive list of these and all the policy benefits on RACV Travel Insurance Australian Cruise coverage, as well as policy options and add-ons, click here .

RACV Travel Insurance policies for Australian Cruises

RACV Travel Insurance has a number of options to choose from for those looking to take a cruise that is only travelling in Australian waters. Just remember to apply for an International plan or an Annual Multi-Trip plan and select “Australian Cruise” as your destination – this ensures you have medical coverage on board the ship, where the medical providers are not registered with Medicare.

All RACV Members are also rewarded with 15% off their policy.

Insurance policies:

Comprehensive – for a more comprehensive cover which includes cancellation fees and lost deposits, overseas medical and hospital expenses and emergency overseas dental expenses.

• Essentials  – Mid-range cover with great inclusions such as emergency overseas dental expenses, cancellation fees and lost deposits and travel delay, overseas medical and hospital expenses.

Basics – Basic cover that includes key benefits like emergency overseas dental expenses, emergency expenses and lost luggage

• Annual-Multi Trip Plan – Planning on going away a few times over the next year? RACV Annual Multi-Trip Travel Insurance provides more comprehensive cover for an unlimited number of trips over 12-months.

International cruise travel insurance

By taking out an RACV International Travel Insurance  policy, you’re covered for cruises.

What does International Travel Insurance cover for cruises?

To be covered for cruising you must select Cruise option when purchasing your policy.

Depending on the type of cover chosen, RACV International Travel Insurance can cover:

• Overseas medical expenses and medical evacuation
• Cancellations (not available with Travel Care plans)
• Luggage (sub-limits apply for all items, and sets and pairs (including accessories are treated as one item))
• Limited COVID-19 cover #
• 24-hour emergency assistance
• Emergency expenses overseas
• A number of existing medical conditions and certain stages and conditions of pregnancy

International cruise coverage

There are a range of RACV International Travel Insurance policies to choose from.

If you would like to be covered for cruising you must select Cruise Option for all ocean voyages more than one night. This will determine the premium you pay.

Cover for international and domestic river cruising is included automatically in your policy and you do not need to select the Cruise option.

RACV International Travel Insurance:

Essentials – Mid-range cover with great inclusions such as emergency overseas dental expenses, cancellation fees and lost deposits and travel delay, overseas medical and hospital expenses.

Annual-Multi Trip Plan – Planning on going away a few times over the next year? Our multi-trip plan provides more comprehensive cover for an unlimited number of trips over 12-months.

When should you take out travel insurance?

Consider purchasing cover as soon as you pay for any part of your trip so that you’re covered in case you need to cancel due to unforeseen circumstances.

Luckily though, you can quickly and easily get RACV Travel Insurance online, up-to right  before you go . Even if you are at the airport ready to fly, there’s time to pack the added protection of RACV Travel Insurance for your trip.

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Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

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Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

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# Limits and sub-limits apply. Refer to the  Product Disclosure Statement  for full details.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

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Cruise travel insurance

Cruise passengers are among the happiest kinds of travellers.

Although our Overseas Explorer Plan automatically covers you for river cruising and cruises that don't leave Australian Coastal Waters, if you're jumping on a multi-night sea cruise while overseas, you'll need to add our Cruise Cover Boost in order to be covered.

Here are some coverage highlights for cruises travel insurance

Whether you're puttering around the Mediterranean or voyaging across the Canadian Arctic, cruises are a fabulous way to travel. To get coverage for sea cruises outside of Australia that are longer than one night (multi-night), you’ll need to add our Cruise Cover Boost to your Explorer Plan (at an additional cost), from the day you board until the day you disembark.

COVID-19 cover

If you fall ill with COVID-19 before or on your trip, you may be able to claim the cost of additional accommodation and expenses because of it. Sub-limits and a special excess apply.

Onboard medical costs

With our Cruise Cover Boost, we can reimburse you for on-board medical or ship-to-shore medical expenses.

Only applies to Overseas Explorer Plan

Unexpected additional expenses

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD .

Our Cruise Cover Boost is only available when added to the Overseas Explorer Plan.

To get coverage on your multi-night ocean or seagoing cruise, it is mandatory to add our Cruise Cover Boost for all days you’re onboard, from the day you board to the day you disembark.

How Freely works

Start with our Explorer Plan

We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.

Add Trip Extras

If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.

Turn on Daily Boosts

Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.

First time purchasing travel insurance on an app rather than a browser and it was easy to use and pick add ons. Would recommend.

What's covered.

We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.

Cover for medical

We provide coverage for overseas medical expenses, including hospital expenses for approvable claims. If things go really wrong, we can help with emergency repatriation or evacuation to bring you home. Only applies to Overseas Explorer Plan

Cover for your trip

If you need to amend, delay or cancel your trip, we can help smooth out bumps in your travel plans. You can even increase your cancellation coverage in increments of $1,000 by paying additional premiums.

Cover for your gear

We offer coverage to help fund the replacement or reimbursement of delayed, lost, stolen or damaged luggage. You can also increase the single-item limit for portable electronic gadgets, and ramp up your coverage for other specified items you won't travel without.

When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.

Cover for your health

Accidental death $10,000.

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability $10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Overseas medical expenses $Unlimited~

If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.

Overseas emergency dental $Unlimited~

If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.

Overseas emergency repatriation $Unlimited~

If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.

Existing medical conditions Limits apply

Some existing medical conditions are automatically covered by our Explorer Plan (subject to the criteria outlined in the PDS). If your existing medical condition falls outside the criteria or isn’t on the list, we may still be able to provide cover for your condition subject to the outcome of a short medical assessment, an additional premium may apply.

Overseas emergency evacuation $Unlimited~

If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.

Accidental death $25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, if approved, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability $25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, if approved, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Trip cancellation and amendment $5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expenses Limits apply

Travel delay expenses $2,000.

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we may provide cover for the related expenses you incur up to $2,000.

Resumption of journey $2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we may provide cover for the cost of resuming the journey up to $2,000.

Special events $2,000

If, due to an unforeseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we may pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability $3,000,000

If you become unintentionally legally liable to pay compensation for damage caused to someone, we may provide coverage of up to $3,000,000. Limits, sub-limits, conditions and exclusions apply.

Cover for your stuff

Lost, stolen or damaged luggage $10,000.

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for your items or for repairing your items. The limit per item is $750.

Luggage delay $1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Passport and travel documents $1,000

We may pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We may also pay for your legal liability arising from their illegal use. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.

Lost or stolen money $500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

It's easy to assume that travel insurance is only necessary for overseas holidays – but travelling domestically within Australia's borders carries many of the same risks! Freely offers coverage for all domestic travel: from the bustling hubs of Sydney and Melbourne to more regional, nature-based destinations such as Tasmania and the Gold Coast.

Additional expenses $10,000

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we can provide cover for the related expenses you incur up to $2,000.

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we can provide cover for the cost of resuming the journey up to $2,000.

If, due to an unforseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we will pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability $200,000

If you become unintentionally legally liable to pay compensation for damage caused to someone else's property or for the injury or death of someone, we may provide coverage of up to $200,000.

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items. The limit per item is $750.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD . ~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.

Need extra coverage for your trip?

Build on your Explorer Plan by adding Trip Extras to get greater protection for your personal belongings, and enhanced delay and cancellation coverage. You can also toggle on Daily Boosts to get coverage for certain activities, from motorbike riding to adventure sports – and toggle them off when your plans change!

Now is the time to cruise

After several years under a COVID-19 cloud, the cruise industry has bounced back, with cruise lines implementing new health measures to ensure the safety of their passengers. This is great news, because life on the water is an unparalleled experience!

Though river cruising is automatically included in Freely’s Explorer Plan (both domestic and international), travellers cruising for multiple nights on seas and oceans in international waters need to add Freely’s Cruise Cover Boost. This is an additional premium that you will pay for on top of your Overseas Explorer Plan. To get coverage, you need to select the Cruise Cover Boost for the entire duration of the journey: from the day you board to the day you disembark.

Staying safe on your cruise

As a cruise passenger, there are many things you can do to make sure you stay in tip-top health for the duration of your journey. In the months leading up to leaving the shore, build up your immune system with diet, exercise and rest. If you have a chronic illness, check in with your doctor six-to-eight weeks before you set sail to check you are fit enough to travel, find out what vaccinations you may need and work out how you’re going to manage your medication. 

Pack a little medical kit for minor ailments (think bandaids, burn cream, antiseptic ointment, antifungal cream and the like), and ask your doctor if there are any extra medications – such as antibiotics – that you might need to self-treat certain conditions. If you become unwell on the ship, seek medical advice immediately.

Top tips for cruising

Here are some helpful tips to consider ...

If you get seasick, take precautions

Seasickness is rarely a problem when you’re onboard a cruise ship due to their size and steadiness. However, if it’s something you’re prone to, ask if you can have a cabin on the lower level as close to the centre of the boat as possible. Refrain from having a heavy meal before you board the vessel for the first time, and avoid hitting the booze too hard. Your inner ear canal contains small crystals that are super sensitive to vibration and movement – and lying down to rest can help stabilise you if you feel dizzy or nauseous.

Be wary of infections onboard

Respiratory illnesses (such as influenza and COVID-19) and gastrointestinal infections are the most commonly reported illnesses onboard cruise ships. Be sure to wash or sanitise your hands regularly, which we should all be good at by now! The buffet can be a bit of a breeding ground for bugs, too – as they thrive in foods kept at room temperature. Let the medical staff onboard know immediately if you start to feel unwell.

Avoid sunburn and dehydration

Even standing on the deck when it’s cloudy can expose you to high levels of radiation – let alone frolicking on exotic beaches or strolling through local towns licking an ice-cream cone. Cover up with long-sleeved clothing and top up your sunscreen every couple of hours. To avoid dehydration, drink lots of water!

Why Freely?

Only pay for the extra coverage you need on the days you actually need it.

Update your policy on your trip so you can embrace travel spontaneity.

Get 24/7 support in-app with access to our medical and emergency specialists.

Still got questions?

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

Cruise travel insurance

Cruises provide a relaxed and unique holiday experience but there is nothing more stressful than being unprepared for an unexpected event. Bask in the sun and enjoy added confidence on your holiday with cruise insurance.

Why should you get travel insurance when taking a cruise?

If you're going on a cruise, even just around Australia, it's wise to consider travel insurance. Why? Because unexpected events can occur, and Medicare may not cover you onboard.

Any traveller who is planning to take a cruise should consider purchasing travel insurance, including those travelling with family, friends, or alone. It’s also important to consider how long your cruise is planned to be. A longer trip (over 7 days) provides a greater likelihood of encountering unexpected contingencies during the journey.

Travel insurance for cruises can come in handy in various scenarios, including lost or stolen luggage and belongings, cancelling a pre-booked cruise due to unforeseen circumstances, and accidents at sea.

What if I need medical assistance during the cruise?

Cruise ships, whether they are navigating domestic or international waters, are equipped with medical facilities and staff. However, it's important to note that the role of these onboard medical professionals is mainly to provide initial stabilisation in case of health emergencies.

In situations where a passenger requires urgent and extensive medical care while on a cruise, the response may involve a medical evacuation. This process involves transporting the individual from the ship to the nearest hospital for comprehensive treatment. The cost of such evacuations can vary greatly and often depends on the cruise's location in the world at the time of the emergency. This is a significant consideration, especially in remote or international waters, where evacuation logistics can be complex and expensive.

Does Medicare cover me while I’m on a cruise?

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

For cruises within Australian waters, it might be a good idea to have travel insurance as claims on Medicare or private health insurance may not be applicable, even on a domestic cruise. Check in advance whether the cruise ship provides access to a Medicare-registered doctor to ensure you have appropriate medical coverage during your journey.

Additionally, cruises travelling between an Australian port and a foreign port are not eligible for Medicare benefits, regardless of the practitioner, and the same goes for journeys between two foreign ports.

Does travel insurance cover existing medical conditions?

Typically, travel insurance policies may include automatic coverage for a range of pre-existing medical conditions. However, it's important to note that not all conditions fall under this automatic coverage . For those that don't, a medical assessment is required to confirm if coverage is available for an additional cost.

During this assessment, the insurer evaluates the risk associated with the specific medical condition and decides whether it can be covered under the policy. This process helps tailor the insurance to your individual health needs, for more comprehensive protection.

It's important to disclose all existing medical conditions and undergo any recommended assessments to secure the most appropriate and extensive coverage for your travel insurance policy.

Why should I get Australia Post’s cruise travel insurance?

While many cruise lines offer their own travel protection plans, these may only provide basic essentials or secondary cover, which might not be as comprehensive as standalone policies.

It may be a good idea to consider a policy backed by a global insurer, Zurich, through the travel insurance provided by Australia Post.

For journeys beyond Australian shores, consider our international travel insurance options.

Our policy includes emergency medical assistance, providing cover for both overseas medical and hospital expenses.

Before finalising any policy, thoroughly review its terms and conditions to clearly understand the coverage scope.

Ready to cruise?

Get a travel insurance online quote now.

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Limits, sub-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 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015 or email [email protected]

AusPost Travel Team

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Discovering the best travel insurance for seniors: Save thousands with the right policies

Navigating the world of travel insurance can be daunting, especially for seniors who need it most. And now, according to experts who talked to Cruise Passenger : Prices are rising too.

As seniors, having comprehensive travel insurance is paramount for peace of mind.

Seniors and travel insurance

Meet Christine Avery, a 75-year-old globetrotter who recently experienced the significance of travel insurance firsthand. Following a fall on her last cruise, she was grateful for the precautions she had taken. 

“On my last cruise, I had a fall. After arriving home, I claimed expenses online. I received hospital and medical centre care on the cruise. 

“After submitting the paperwork, I received an email letting me know all relevant paperwork was received and passed on to the claim’s office. By the end of the week, all of my claims were in the bank. Can’t get better than that.”

Ms Avery has an upcoming 12-day cruise with Norwegian Dawn off the coast of Africa. The insurance with 1Cover will cost her $1200. 

Warren Duke, an insurance expert at Compare the Market, acknowledges the rising prices but emphasises that navigating senior travel insurance remains feasible with the proper guidance. While premiums may increase with age, seniors can still access comprehensive coverage tailored to their needs.

“I don’t believe it is more difficult. However, the price increases for most brands impact all travellers, including the premiums for older travellers. Several factors determine the premium. They are primarily based on the likelihood of claims being made and the size of those claims. As one or the other increases, so too does the premium.”

Finding the best senior travel insurance providers

The good news is that a range of insurance providers offer comprehensive cover and cruise cover for older travellers. The age-old advice is to compare between policies and decide what’s best for you.

However, here are some standouts.

Southern Cross Travel Insurance

Southern Cross Travel Insurance won the 2023 senior travel insurance awareness for Finder. It scored highly for its age limit cap, Covid benefits and cancellation fees. Southern Cross has a very inclusive age limit of 118. 

World Care Insurance and HIF

Next, in Finder’s awards for World Care Insuranc e and HIF, both have no age limit, meaning there are no obstacles for seniors. 

As previously quoted in the story, Ms Avery uses 1Cover insurance , which offers her cruise cover as a senior traveller. She has been very happy with their service. 

Choice recommends

Jodie Bird, an insurance expert from Choice, suggests Allianz , Worldcare , Cover-more , Insurance and Go, and NIB as high-level policies covering ages up to 100. 

Smoney recommends

Smoney also rates Insure and Go as a leading option, with unlimited medical care, highly rated coverage for travel delay expenses, and unlimited coverage for trip cancellations for those up to 100. Insure and Go will also consider all pre-existing conditions; many are covered at no extra cost. 

Which pre-existing conditions are difficult to cover? 

Ms Bird says travel insurance often automatically covers a range of conditions. However, you likely need to pay extra to get covered for some conditions.

Chronic conditions

“Many policies will have a list of conditions they automatically cover. But for some conditions, you must apply for cover and maybe pay an extra premium. This includes Chronic lung conditions, cancer, anxiety, depression and heart-related medical conditions.

Awaiting surgery

“Conditions for which you’re awaiting surgery, treatment, investigation, or procedures will commonly be excluded, as will conditions for which you may be travelling to seek medical treatment.” 

Pre-existing conditions

Ms Bird also mentions that some pre-existing conditions have become more difficult to get covered since COVID-19, and if you have a specific condition, you should always get on the phone and compare providers. 

Shop around for the best travel insurance deal

“Unfortunately, several insurers that CHOICE used to recommend as more likely to cover difficult existing conditions stopped operating during the travel lockdowns. So, for these conditions, you will need to shop around several insurers, either online or on the phone, and get a comparison of the cost to cover your specific condition.”

How much will insurance cost seniors?

Insurance prices can skyrocket as you get older. Ms Bird reveals a significant difference even for those in their 60s versus their 70s.

“CHOICE looked at premiums for travellers visiting Bali for around 11 days to two weeks. We found that a single traveller aged over 70 paid 3.5 times more for travel insurance than people in their 60s, and that’s before getting coverage for existing medical conditions. 

“Most insurers will increase premiums as you get older. However, it can still vary a lot between insurers, so it’s worth shopping around for the best value for money.”

Using the Finder travel insurance comparison tool

Using Finder’s comparison tool , a two-week cruise to France, Italy and Spain will cost $1134 (assuming no pre-existing conditions) with South Cross Travel Insurance . The next cheapest are Travel Insurance Saver , Travel-Protect and WAS Insurance , each in the $2250 – $2350 range. However, Finder’s comparison tool does not include every insurance provider.

It’s also worth noting that insurance prices will increase with the length of your holiday. If the same cruise were six weeks long, Southern Cross would charge $2500, and the other providers would be in the $4600-4700 range. 

If you took the same two-week cruise with Cover-More , it would cost $2283. This includes cruise cover and cancellation cover up to $40,000. 

If you were with Allianz or World Care, it would cost you $1331.88. This includes up to $20,000 cancellation cover and a cruise pack. With NIB, the cruise insurance would cost you $1135, with cruise cover automatically included in the price.

Travel insurance for seniors made easy

Navigating the insurance market as a senior traveller requires diligence. Still, with the proper guidance and comparison tools, seniors can find tailored coverage that meets their needs without breaking the bank.

I shop around and have never had any issues with RACQ Travel insurance. They even paid out on covid claims from the start of it all. They also have member discounts which makes the price quite reasonable.

On my next trip both flights and cruising, coming up at the end of 2023 I used Qantas as their pricing and coverage was a lot cheaper than most others.

I wouldn’t recommend Insure & Go. When Air NZ cancelled our tickets to Napier 2 days prior to Cyclone Gabrielle the ‘unlimitted cover for trip cancellations’ that Insure & Go represented in the brochure, that we relied on, didn’t happen. Lots of ducking and weaving, attempting to rely on irrelevant parts of the contract.

They made an ex gratia offer of less that 25% of the claim, to settle the claim, which we eventually accepted.

Compared to this mob, Ned Kelly was a gentleman.

Nice to see that the seniors travel insurance is being highlighted. I’m British and judging by the price you are showing for Seniors in their 70s you Aussies are better off than in UK. I am 76 and was recently quoted £550 for a 7 day cruise around Mediterranean. Also uk insurance companies do not really like to insure seniors who are over 80yrs old. Thanks again for the article.

Effectively cruising is now restricted to the super rich.

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“A form of ageism”: Little known travel insurance clause that cost Michelle thousands

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Cruise travel insurance: What it covers and why you need it

What does cruise travel insurance cover? And does it pay to buy cruise travel insurance?

The answer is not always clear-cut, as we'll discuss in this guide. But consider this: It's not always smooth seas when it comes to cruising. Even the best-laid plans for a cruise vacation can sometimes be thrown off course by an unexpected event.

You might need to cancel a cruise in advance due to the sudden onset of an illness, such as COVID-19 or the flu. Or, maybe you fall ill during the cruise and need emergency medical attention. Maybe your flight to your ship gets canceled, and you miss the vessel's departure. Or your ship is late arriving in port at the end of a voyage, and you miss your flight home.

In all of these situations, you might benefit from having cruise travel insurance — keyword "might."

Cruise insurance policies vary widely, and not every policy covers every type of mishap. That's why it always pays to read the fine print in a travel insurance policy before you purchase it to know what you're getting in advance.

It's also why you should read this introduction to everything you need to know about cruise insurance. It has many details, but the next time something unexpected happens on your cruise vacation, you'll be glad to be educated and covered by a comprehensive travel insurance policy.

What does travel insurance cover when you cruise?

The typical cruise insurance policy covers a wide range of circumstances that can go wrong in conjunction with a vacation at sea — both before and during the sailing.

For starters, policies often will reimburse you for the cost of canceling a cruise due to a last-minute crisis. They will also often cover costs related to an interruption of a cruise (maybe your ship breaks down, requiring you to fly home mid-voyage ). These two elements are known as trip-cancellation and trip-interruption insurance, and they are bundled into a typical travel insurance policy.

Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel insurance giant Allianz Global Assistance reports that 53% of all cruise-related "billing reasons" for claims are because of illness for the insured person, while 14% are for an injury. Another 8% are for the illness of a family member, 4% for the death of a family member and 4% for the illness of a traveling companion, among other reasons.

Those percentages include illness and accidents that happen to cruisers just before a trip, making travel impossible. But, in many cases, such claims result from illness and injuries that occur during voyages.

"People often take risks during vacation that they might not take back home, whether riding a jet ski, zipping around on a motorized scooter in a city they don't know well or hiking unfamiliar terrain," James Page, senior vice president and chief administration officer of AIG Travel, told TPG .

Some policies also cover the financial default of a travel provider. In such cases, if your cruise line goes out of business before you sail, you could get all — or at least some — of your money back.

Cruise travel insurance policies don't cover everything. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. That's true even if a U.S. government agency such as the U.S. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic .

If you want the ultimate flexibility to cancel for such a reason or any other, you'll want to look into a more expensive cancel for any reason travel insurance upgrade.

Related: Avoiding outbreaks isn't covered by most travel insurance policies

Where to find a cruise travel insurance policy

You can buy a travel insurance policy directly from your cruise line when booking your trip or through your travel agent (if you're using one, which often is a good idea when booking a cruise). You also can go directly to a third-party travel insurance provider or a travel-insurance aggregator site, such as InsureMyTrip or TravelInsurance . Your credit card might even give you some travel protections.

Here's what you need to know about each type of cruise travel insurance.

Third-party insurance companies

Third-party insurance companies that specialize in writing travel insurance include AIG Travel, Allianz Travel Insurance, Travelex Insurance and American Express Travel Insurance.

One reason to use a travel agent or a travel aggregator: They can help you find a policy that offers added coverage specific to cruising.

Related: The Points Guy's guide to the best travel insurance companies

"Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said.

Missed connection coverage reimburses cruisers for a set dollar amount if they need to rebook travel to catch up with their cruise at the next port. Missed port-of-call coverage pays a benefit if the cruise ship misses a scheduled port of call due to weather, a natural disaster or a mechanical breakdown.

Cruise disablement coverage pays a benefit if the traveler is confined on a ship for more than five hours without power, food, water or restrooms.

As noted, policies vary widely. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you. One size doesn't fit all.

Credit cards with travel benefits

Some premium credit cards offer valuable travel protections comparable to what you might get from a standard travel insurance plan. For example, the travel insurance provided when you pay for travel with select cards can reimburse you for expenses if your baggage is damaged, you're stranded overnight due to a flight delay or cancellation, or you have to return home to handle a family medical emergency.

The Chase Sapphire Reserve card, for example, offers trip delay reimbursement, trip cancellation and interruption insurance, emergency medical coverage and even medical evacuation coverage , among other benefits. And yes, cruise lines are considered common carriers just like airlines.

If you're planning to rely on a card like the Chase Sapphire Reserve or The Platinum Card® from American Express * (among others) for travel insurance, just be sure to recheck your card's benefits and limits carefully against regular travel insurance. You must pay for at least part — and sometimes all — of the trip with that credit card to take advantage of its protections.

*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.

Related: The best credit cards for booking cruises

Find out if your credit card protection includes travel accident insurance or covers preexisting medical conditions, and figure out when it will pay you back. Other questions to ask: What are the coverage limits? Will you have to pay for a foreign hospital bill upfront and then seek reimbursement later?

Cruise lines

Cruise lines often ask consumers booking a cruise to buy the line's own protection at the time of purchase. If specifics about the coverage are lacking, always ask the line for details in advance, review coverage perks and limits; then, compare those to one or two independent travel insurance policies or your credit card's insurance benefits.

Related: A beginners guide to picking a cruise line

Cruise line travel insurance policies sometimes have quirks. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies.

Cruise line policies also can be more restrictive.

"Cruise line insurance seems to have become better and has more widespread coverage than in the past, but it typically won't cover air or pre- and post-travel [arrangements] unless those elements are purchased through [the line]," said Debra Kerper, a Cruise Planners travel adviser from Carrollton, Texas, who books travel and sells private insurance. "This is when private insurance coverage becomes so very important."

How much does cruise insurance cost?

Expect to pay anywhere from 4% to 8% of your total prepaid, nonrefundable trip expenses for a travel insurance policy. That's a wide range, we know, but it reflects the wide range of products out there.

You'll also find some basic plans that cost even less than 4% of your trip expenses, while some super-premium plans that cover just about any conceivable issue can cost as much as 12% of your trip expenses.

Related: What's included in your cruise fare?

All reputable insurance companies will offer a "free-look period" during which you can receive a 100% refund on your premium. This allows you to review the policy you've selected and return it for any reason within the period allotted — usually for a small administration fee of less than $10.

Under normal circumstances, you don't need to purchase a so-called "cancel for any reason" add-on to your cruise travel insurance policy unless you really need the flexibility. The upgrades are significantly more expensive.

You can receive a quote and purchase a policy online in minutes with any credit card. Although you may think travel insurance should code as "travel" when paid on a credit card and thus be eligible for bonus points on certain cards, that isn't always the case. Your points earnings will depend on the individual underwriter's merchant code. When in doubt, expect the purchase to fall under the insurance category for earnings.

Should I buy travel insurance for a cruise?

Whether you buy travel insurance is a personal decision that will depend on many factors. Would you be willing to absorb the loss of canceling a cruise on short notice due to an illness or accident? Could you afford an evacuation flight from a far-off port if you suddenly became seriously ill? Only you can answer those sorts of questions.

Here are some things to consider as you make that decision.

You might not be covered by regular medical insurance while cruising

If you're a U.S. citizen traveling internationally (which will be the case for most cruises), you may find that most private medical insurance plans in the U.S. won't cover you.

Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances.

While certain Medicare Supplement Plans do have some foreign emergency medical benefits, not all do. Be sure to talk to your Medical Supplemental Plan provider to see if you're covered, what's covered, what the limits are and how the bill is paid.

Also note that, in some countries (particularly those in Central and South America), travelers may not be discharged from a hospital until their bill is paid in full.

Related: Trip wrecked: 7 ways to prepare for any kind of travel disaster

Plus, if you have a medical incident overseas, you could find yourself stuck in a shared hospital room without air conditioning or a private bathroom. The level of care may not be what you expect.

"For people traveling internationally, it's crucial to know beforehand where to go for any treatment … and how they're going to pay for that treatment," Page said.

Getting evacuated for a medical condition is expensive

Most airlines won't accept seriously ill passengers, those carrying bulky medical equipment or those requiring a full medical team.

Even a low-cost weekend getaway on a cruise to the Bahamas out of Miami can turn costly if you suffer a serious accident or illness requiring medical treatment or an emergency medical evacuation.

Related: Do cruise ships have doctors, nurses, medical centers or hospitals?

Being flown back to the U.S. from a far-flung overseas location in a private, medically equipped aircraft, with a professional medical team on board, can run between $70,000 and $180,000, according to Mike Hallman, president and CEO of Medjet, a medical transport membership company.

"Domestic transports, which we cover as well, can cost upwards of $30,000," Hallman said.

Without proof of medical evacuation coverage, foreign providers will also want that money upfront. Hallman said that regular travel insurance will typically get you to an acceptable overseas hospital and even to a higher-level care facility if "medically necessary." Alternatively, medical evacuation coverage means you can fly home to your own hospital, doctors and family — without claim forms, cost caps on transports or surprise bills.

The tandem approach — buying both travel insurance and a separate medevac transport membership — is a good option, Hallman said.

"We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said. "We pick up where they leave off."

You can't predict the weather

Cruising is a great way to explore multiple destinations in one trip. But it's good to remember that unexpected delays, interruptions or cancellations due to weather can happen during cruises, particularly during hurricane seasons in places such as the Caribbean and Asia (where hurricanes are called typhoons).

During a typical hurricane season (June 1 to Nov. 30), Allianz pays about 6,000 claims from customers whose travel plans in the Caribbean, Gulf of Mexico and southeastern U.S. are affected by the storms, according to a spokesperson for Allianz Global Assistance USA.

If you're hoping to insure against a storm-related disaster, it's good to buy travel insurance as early as possible. Once a storm or hurricane is named, it's too late to buy travel insurance to cover it.

Of course, cruise lines will move ships away from a weather threat. When the port lineup is adjusted or the cruise shortened, the company will offer the guest an onboard credit, onboard gift or future cruise credit rather than any refund. It depends on the circumstances of that specific voyage. You won't be able to make a claim on your cruise travel insurance policy just for a minor itinerary change .

Related: Everything you need to know about cruising during hurricane season

Costs can mount quickly when things go wrong

Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights , prepaid resort or hotel nights, nonrefundable tour fees and more.

Travel insurance can cover those, plus help with flight delays or cancellations, baggage loss or theft.

If a winter storm causes you to miss your flight to where the ship is boarding , "travel insurance could help you get to the next port to join the cruise, so you don't miss your entire trip," Page said.

In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%.

The government probably won't bail you out

While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

Don't expect Uncle Sam to step in and help foot the bill.

The U.S. Department of State's Bureau of Consular Affairs clearly states the importance of buying travel insurance.

"The U.S. government does not provide medical insurance for U.S. citizens overseas," the bureau says on the website. "We do not pay medical bills. You should purchase insurance before you travel."

You may need more assistance than you think

If you're injured or become severely ill during a cruise, especially in a foreign country, it may be difficult to access help without the assistance of trained professionals that comes with many insurance plans.

Many travel insurance companies provide around-the-clock assistance with locating overseas clinics and pharmacies, getting to a doctor or hospital, refilling lost or depleted prescriptions, assisting with up-front payments to hospitals, and arranging flight changes so you can get home.

Travel insurance companies also can arrange for an air ambulance, a nurse escort, oxygen and a lie-flat seat on a flight home if your medical condition warrants it.

You want to be careful if you have preexisting conditions

When you cruise, it's important to be fully covered, which means having comprehensive medical coverage that includes any preexisting conditions. Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered.

Here, timing is extremely important. Cruisers seeking coverage of preexisting conditions, as well as cancel for any reason insurance, generally must book within seven to 21 days of the first payment they make for a trip. The timing varies by insurer.

Bottom line

Cruise insurance isn't for every traveler — or even for every sailing. It's not inexpensive. However, it can bring a lot of peace of mind if you're about to head out to sea. Do your homework, compare plans and always assess the risks.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
• The 8 worst cabin locations on any cruise ship
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• Top ways cruisers waste money
• 12 best cruises for people who never want to grow up
• The ultimate guide to what to pack for a cruise

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Home Aussie travellers advised to ensure they are properly insured

Aussie travellers advised to ensure they are properly insured

News release

Thursday, 4 July 2024

As millions of Australians head to warmer countries for the July school holidays, a new survey has provided a timely reminder for holidaymakers to ensure they have the right travel insurance for their plans – particularly when it comes to alcohol consumption.

Travel insurance provides protection against unforeseen accidents, damage or loss, and should be as essential for travellers as their boarding pass and passport.

Travel insurance policies list the exclusions that may apply when a policyholder is under the influence of alcohol when an accident or loss occurs.

Many policies will cover accident or loss that occurs when the policyholder has a blood alcohol reading up to 0.19 per cent – about four times the legal limit to drive in Australia.

Despite this, the survey of 1,007 Australians who travelled overseas in the past year found:

• Of the 87 per cent of Australians who took out travel insurance on their last overseas trip, 69 per cent said they drank alcohol on that trip. • Forty per cent of travellers were aware that alcohol consumption requirements in travel insurance policies can vary from insurer to insurer. • Fifty-five per cent of those who took out travel insurance, knew about policy variations, and drank alcohol, were unsure about how their own travel insurance treated alcohol consumption in the event of an accident. • One in eight Australians (13 per cent) were not covered by travel insurance at all on their most recent overseas trip. • Younger Australians, those from low-income households, and those from culturally and linguistically diverse backgrounds had higher than average propensity to travel uninsured.

The survey was undertaken by Quantum Market Research for the Insurance Council of Australia (ICA) and the Department of Foreign Affairs and Trade’s Smartraveller.

Quote attributable to ICA CEO Andrew Hall:

When you are planning your overseas holiday travel insurance is a must-have, as is ensuring that you are covered for the activities you have planned.

While enjoying a drink or two is a key part of holidaying for millions of Australians, travellers should be aware of what they are covered for so that a broken bone doesn’t lead to a broken bank account.

Travellers should make sure they read their policy documents so they understand what they’re covered for, whether that involves drinking alcohol, going for a hike or riding a motorcycle.

Shop around, compare options, and ask questions to find the right coverage so the trip of your dreams doesn’t become a nightmare.

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