p and o cruises insurance requirements

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• Know Before You Go

Travel Insurance

There’s nothing like a cruise to feed the soul and broaden the mind. And nothing like the unexpected to put a dampener on your plans. We strongly encourage you to take out international travel insurance once you have booked your cruise holiday, to ensure you are covered if things don’t quite go according to plan.

Some countries included in your cruise itinerary may have a requirement for you to hold valid travel insurance.

The New Caledonia government requires that all visitors hold valid international travel insurance, which means if your cruise itinerary includes a call to New Caledonia, before you board, you must show printed proof of having valid international travel insurance. You may also be requested to present proof of insurance during the cruise. Any guest who is unable to provide proof of valid travel insurance on a cruise visiting New Caledonia, will be denied boarding.

For all cruise itineraries, including domestic cruises, it’s important to know that onboard medical, emergency evacuations costs, and any onshore medical costs (if overseas) are not covered by Australian Medicare, New Zealand ACC, or private health insurance. All onboard medical consultations, treatments and medications are charged at private rates, which may be able to be claimed through international or cruise-specific travel insurance.

Insurance policies may also provide cancellation cover if you miss the cruise or a pre-paid shore tour; protect your personal possessions and provide other forms of protection.

Make sure to check the Product Disclosure Statement (PDS) of any insurance policy you are considering to ensure it provides the type of cover you need for your cruise, including any pre-existing conditions, and if there are any exclusions that may apply. If you plan on participating in activities such as scuba diving or parasailing, ensure your policy covers these activities.

For more information about travel insurance, visit smartraveller.gov.au or www.safetravel.govt.nz/

For Australian guests, please obtain a quote here with  Cover-More Travel Insurance  or phone 13 24 94 (AU).

Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services PTY LTD (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited [ABN13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the combined FSG/PDS before deciding to buy this insurance. For information on the target market and target market determination for these products, contact Cover-More on 1300 77 88 22.

Important Information for Credit Card Travel Insurance

Your credit card may offer travel insurance coverage for medical emergencies, trip cancellations, baggage loss and other issues.

Credit card travel insurance policies can differ to other travel insurance policies and you should request a copy of the PDS to check the coverage and any exclusions that may apply. For example, some credit card travel insurance policies may not cover cruises.

If you plan to use credit card travel insurance for your cruise, there are some important reminders to be aware of:

• Not all credit cards offer complimentary or included travel insurance, and not all policies cover cruises.
• Some credit card insurance is only valid for the first 3-6 months of holding the card – please check your insurance is valid for the period you are travelling
• Check with your bank to see if you need to activate your credit card travel insurance policy prior to your departure and ensure it will remain current for the duration of your cruise.
• Make sure the insurance covers all people travelling – not just the card holder.
• Ask your bank for a copy of your policy number and/or the Certificate of Insurance. Valid travel insurance is mandatory for all itineraries that visit New Caledonia and you will need to present proof at check-in. If you are unable to do so, you will be denied boarding.
• Additional information may need to be provided to your bank prior to credit card travel insurance being valid for your personal circumstances. For example, you may need to disclose a pre-existing medical condition.

Travel Insurance

An illness, an accident or an unexpected situation can arise before or during any type of vacation. Such an event might cause you to cut short your cruise or cause your trip to be canceled altogether. Unfortunately, most cruise lines impose penalties for canceling a cruise, up to and including loss of the entire cruise price.

Because a cruise is a significant investment, most cruise lines offer some form of insurance to protect their passengers from financial loss in the event of an emergency. Details and prices vary from cruise line to cruise line, as do coverage limits and exclusions.

If you decide to purchase insurance, you will have two options, to go with the cruise line's plan or to use our independent insurance provider, Generali Global Assistance. Use the summaries below to compare policies and prices.

Generali can provide insurance coverage to all customers, regardless of their country of citizenship, except residents of the province of Quebec, Canada.

For more information or a complete copy of a policy, ask your Vacations To Go cruise counselor.

Independent Insurance Coverage

Generali Global Assistance

Cruise Line Coverage