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Where is your trip?

Please choose the country where you'll be spending the most time. If you'll be spending more than 20% of your trip in the Americas or Africa, you must choose a country from Area 1 - Worldwide (including the Americas and Africa) on the region list.

When is your trip?

Single Trip
The date that you depart is the date you leave your home town and the date you return is the date you arrive back in your home town. Cover for any cancellation or amendment costs begins from the time you buy your policy.

Annual Multi-Trip
For Annual Multi-Trip, the start date is today's date and the end date is the date one year later. For further information we recommend that you read the definition of 'Relevant Time' in the Combined FSG/PDS.

Ages of travellers

Enter the age of each traveller including accompanied children. 'Accompanied Children' means your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the journey; provided they are not in full-time employment and they are under 21 years of age. Enter one person's age in one square.

Get cruising with Medibank

Cruises are a great way to relax but did you know that cruise ships are not required to have an Australian Medicare doctor onboard? Our cruise travel insurance provides cover for medical expenses incurred onboard and if you are offloaded from a ship overseas.

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Pre-existing conditions

Cover for some pre-existing medical conditions like high blood pressure and allergies¹

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$Unlimited overseas medical expenses

Cover for overseas hospital treatment costs and in the event medical evacuation²

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Going on a cruise?

Cover for medical attention and air ambulance evacuation on the ship³

Our travel insurance options

Whether you travel once a year or you’re a frequent flyer, you've got cover with single and annual multi-trip options.

international comprehensive travel insurance for cruises

International Comprehensive

Cover for medical and dental emergencies, plus inclusions for unforeseen cancellations and valuables like laptops and cameras.


domestic travel insurance for cruises

Domestic Travel Insurance

Cover for cancellations, amendments and delays, plus up to $3,000 towards any excess for rental car damage or theft.


annual multi trip travel insurance for cruises

Annual Multi Trip

It gives you comprehensive cover for every international trip, or domestic trip more than 250km from home, you take within a year, up to the duration you've selected.4

Money back guarantee: Receive a full refund if you change your mind within 15 working days of the date of purchase, as long as you’ve not yet made a claim or departed on your journey. Learn more.

What do I have cover for when I am on a cruise?

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Onboard Medical Treatment

When you take out international travel insurance for your overseas cruise you have cover for onboard medical treatment or medical evacuation if you need additional care.³

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Lost or stolen luggage

Cover for lost or stolen personal items and luggage, activities you carry out while the ship is docked and everything else you normally have cover for with your policy.

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Cancellation expenses

As well as being able to claim any out of pocket cancellation fees should you need to change or cancel your trip unexpectedly, you will also have cover for all other normal travel insurance inclusions.

what does your travel insurance cover you for when on a cruise?
how to choose your country for a cruise

Which country should I select?

When you are sailing the seven seas it can be hard to lock down your main port.

Domestic Cruise

For local cruises or domestic cruising you can simply select domestic cruise or the country you will be travelling to.

International Cruise

If you are cruising between multiple countries you should select “Worldwide” as the region you will be travelling. 

24/7 emergency assistance

Our team of experienced doctors, nurses, travel consultants and case managers are here for you, 24/7.                   

If you need help finding appropriate medical treatment or you need to be medically evacuated, replacing lost travel documents or credit cards, our emergency assist team will help you out.

If you need emergency assistance please call +61 2 8907 5672

Things you should know

* - Australian residents 18+ only. Starts: 18/06/18 9am AEST. Ends: 30/09/18 11:59 pm AEST. To enter, purchase a Medibank or ahm travel insurance policy during the promotional period. If multiple people specified on Medibank or ahm travel insurance policy, only the first adult stated on the Certificate of Insurance will be entered into the draw. Policy must not be cancelled at time of draw to be eligible. Draw: 16/10/18 at 02:30 pm AEDT, L2/35 Little Bourke St, Melbourne VIC 3000. Prize: trip for 2 adults to London, UK to see a premier league football match (valued at up to AUD$10,000).  Winner published at and in The Australian on 23/10/18. Promoters: Medibank Private Limited ABN 47 080 890 259, L1/720 Bourke St, Docklands VIC 3008; and Australian Health Management Group Pty Limited ABN 96 003 683 298, L2/720 Bourke St, Docklands VIC 3008. See full Terms and Conditions for more details. ACT Permit No. TP18/00842, NSW Permit No. LTP/18/24397 and SA Permit No. T18/767.

Travel must be taken to coincide with a Premier League football match taking place between 01/11/18 and 31/05/19, as chosen by Medibank and subject to the Premier League 2018/2019 schedule.

~ - Subject to approval.

1 - Automatic cover for a limited number of pre-existing conditions outlined in the Combined FSG/PDS. All other pre-existing conditions need to be disclosed at the time of application. Cover conditions not automatically included is not guaranteed and subject to a medical assessment.

2 - Medical cover will not exceed 12 months from the onset of the illness or injury. Reduced limits may apply for customers 70 years or over. Limits will be shown on the Certificate of Insurance. Medical evacuation cover subject to claim approval.

3 - Only for cruises outside of Australian inland waterways and doesn't apply to any medical treatment provided whilst the ship is tied up in an Australian port. Please refer to page 44 of the Combined FSG/PDS for more information

4 - Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 who arranges the insurance on behalf of the insurer. The issuer is Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the Combined FSG/PDS available from Medibank stores or to decide if this product is right for you.