Cruise travel insurance

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'll need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

If during your trip you suffer a disabling injury, sickness or disease (which first presents during the Period of Insurance), we will pay the usual and customary cost of emergency transportation provided outside of Australia by, or on the advice of, a qualified medical practitioner to evacuate you to the nearest onshore medical facility (unlimited on our international travel insurance policies with Cruise Cover).

Limits, sub-limits, exclusions and conditions apply. See the Combined PDS/FSG for more information.

You can purchase an International Comprehensive or International Medical Only Policy, and then add Cruise Cover to your selected policy. If travelling overseas or from a port in Australia to another port or ports outside Australia – please choose or enter the main area or destination/country based on where you will spend the most time on your trip. If the cruise travels between Australian ports, but travels outside of Australia Coastal Waters, you will need to select Domestic Cruising as a destination.

You can compare Medibank Travel Insurance policies on our compare page.

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'd need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

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.

Luggage and personal effects cover: If you purchased an International Comprehensive Plan and added Cruise Cover to your policy, you will have luggage cover up to the limits specified in the PDS for any lost damaged or stolen luggage whilst cruising.

Unfortunately if you purchased an International Medical Only plan, no cover is available for lost, damaged or stolen luggage whilst you're on your trip.

Item limits and sub-limits apply. See the Combined FSG/PDS for terms, conditions and more information.

If you are travelling from a port in Australia to another port in Australia without any stopover at a port outside of Australia, (e.g. a cruise from Sydney to Brisbane) you should select 'Domestic cruising' as your destination. These cruises will go outside of Australian coastal waters so an 'International Plan' with Cruise Cover is required to be insured for claims related to your domestic cruise. 

If you are only cruising within Australian coastal waters, (e.g. a Kimberley cruise) you do not need to add Cruise Cover to your domestic travel insurance.

If you are cruising overseas, (e.g. a Caribbean cruise) please choose the main area of destination country based on where you will spend most of your trip.

If you are unsure of which category your cruise might come under, contact Medibank Travel Insurance by calling 13 41 90.

Yes, you can purchase a travel insurance policy after your trip commenced, however you will be subjected to a 3-day no cover period. Cruise Cover must be purchased at the time of purchasing the travel insurance policy and cannot be added retrospectively.

If you are diagnosed with COVID-19 on board a multi-night sea or ocean cruise, cover applies to: 

• On-board medical.¹
• Dental cover ship to shore medical cover.²

Available on International Comprehensive and International Medical plans only if Cruise Cover has been added.

If you're on a cruise in Australian Waters, Medicare may not pay towards your medical cost on the cruise ship because the cruise ship may not have doctors onboard who are registered to practice in Australia. Check before your trip and consider getting travel insurance with Cruise Cover.