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What is cruise travel Insurance?
For an additional premium, you can add Cruise Cover to your travel insurance policy to help protect your cruise adventure. Cruise Cover is a mandatory add on if any part of your trip includes travel on a multi-night sea or ocean cruise. Without purchasing additional Cruise Cover, no cover is available for any event arising from, or related to your cruise travel.
Cruise Cover is not required if you are travelling on a single-night cruise, or on a river cruise (e.g. European river cruise, or a Murray River cruise). Likewise, if you are travelling on a cruise that is only within Australian coastal waters (e.g. Kimberly Cruise) then Cruise Cover is not required. If your Australian cruise is going from port-to-port then you'll need to select 'Domestic Cruise' as your destination, which is an International Plan, to provide cover for your journey.
Step 1: Select your area
Where you travel will influence your premium. You will need to choose the main destination/country based on where you will spend the most time travelling. Don't forget to take into consideration the 20% rule for the Africas and Americas detailed here.
If you are travelling on a multi-night cruise which leaves from one Australian Port to another, then you can enter 'Domestic Cruise' as the destination.
Step 2: Click on insurance type
Depending on your needs, you can select Single Trip or Annual Multi-Trip cover.
Step 3: Select additional cover
For an additional premium, you can choose to add cover for additional scenarios, like snow sports or moped riding. If you're travelling with valuables, you can also opt to increase your item limit(s) for luggage and personal effects. Read the PDS for more information.
When don't I need to add Cruise Cover?
You don’t need to add sea or ocean cruise cover, if you are:
- Travelling on a river cruise
- Not travelling on a cruise during your trip
- On a cruise for only one night
- Only taking a ferry trip
- Are cruising in Australia or in Australian coastal waters (this can include Kimberley Cruise or Murray River cruises.)
- Are sailing (sailing is not covered in International Waters).
Emergency assistance whilst travelling
Every Medibank Travel Insurance policy comes with 24 hour emergency assistance.
Our team of experienced doctors, nurses, travel consultants and case managers are ready to help you 24 hours a day, 365 days a year. We can help if you need support finding appropriate medical treatment, if you need to organise medical evacuation, or if you require assistance replacing lost travel documents and credit cards.
Things you should know
1 Available on the International Comprehensive and Medical Only Plans. Cover applies for a maximum of 12 months from the date of onset of injury or illness.
2 We will pay the usual and customary cost of emergency transportation provided outside Australia by or on the advice of a qualified medical practitioner to evacuate you to the nearest onshore medical facility.
3 Limits and exclusions apply. Available on the International Comprehensive and Medical Only Plans.
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 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/
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