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Cruise travel insurance

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.

cruise travel insurance international and domestic with medibank

Get cruising with Medibank

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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 the costs of overseas hospital treatment and medical evacuation²

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Cruise with peace of mind

Cover for medical attention and air ambulance evacuation on the ship³

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15% off for Medibank health members

If you're a Medibank health member, you receive 15% off travel insurance, all year round.

Compare our travel insurance with cruise cover options

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International Comprehensive

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

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Domestic Travel Insurance

Cover while onboard a domestic cruise in the event of cancellation, amendment and delays, plus up to $3,000 towards any excess for rental car damage or theft.

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Annual Multi Trip 

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

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WIN round-the-world flights for you and a friend with Medibank

Win around-the-world flights for you and a friend* by simply purchasing Medibank Travel Insurance by 16 December to enter.

Do I need travel insurance for a cruise?

Cruises are a great way to see the world, where you have a bit more time to take things at a leisurely pace. Whilst travelling, Medibank Travel Insurance provides cover for medical attention on board the ship and for air ambulance evacuation3

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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 Travel Insurance

For multi-night cruises off the coast of Australia to other parts of Australia (or out to sea and back with no stops), in the country selection, select Domestic Cruise.

International Cruise Insurance

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

~ - 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 medibank.com.au/travel to decide if this product is right for you.