Cruise travel insurance

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Going on a sea or ocean cruise, or including one as part of your trip? Medibank Travel Insurance offers cruise insurance to help protect you whilst you're cruising.

cruising and travel insurance

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.

Cruise travel insurance benefits - get cruising with Medibank

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$Unlimited ship to shore and onboard medical & dental cover

If you suffer a sickness, disease or disabling injury whilst you're on a cruise ship overseas or outside Australian costal waters then you will have:

$Unlimited onboard medical and emergency dental cover, including cover for onboard medical treatment should you suffer from sea sickness whilst travelling.1

Cover also includes $unlimited costs for emergency transportation if onshore care is required.2

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Missed port cover

Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary.3 Excludes COVID-19.

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Cabin confinement

Cover for up to $100 per day to a maximum of $1,500 should you be confined to your cabin for at least 24 hours due to sickness, disease or disabling injury.3 Excludes COVID-19.

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Missed shore excursions

Even when you're all set, trips to shore can unfortunately be missed. Should you miss a pre-booked shore excursion due to unforeseeable circumstances we could reimburse the non-refundable cost of the unused ticket(s) up to $1,000.3 Excludes COVID-19.

Building your cruise insurance quote

Cruise view from onboard

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).
Cruise during sunset on the ocean mountains in background

Cruise insurance FAQs

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. 

Learn more about our 24/7 emergency assistance.

Cruise on the ocean in Europe
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