Cruise Travel Insurance

Protect Your Cruise Travel Journey with Insurance

(with 20% Cruise Promo Code discount included)

Start your cruise adventure with confidence. Every year, almost a million Australians set sail from our shores to enjoy a relaxing holiday at sea.

Cruising lets you visit many destinations around the world, from the South Pacific and North America to Europe, the Caribbean, and even places closer to home in Australia.

You only need to unpack once, so you have more time to enjoy the ship’s amenities or explore new places. Most cruises include meals, activities, and entertainment, which can help you manage your budget.

It’s important to think about the risks of cruising, especially if you have a pre-existing medical condition. Make sure you have the right travel insurance for your cruise holiday.

More information about Cruise Travel and Insurance

Medicare entitlements do not necessarily apply onboard, even if the cruise ship is registered to an Australian company. There is no obligation on cruise companies to employ doctors who are Medicare registered practitioners.

If you fall ill or are injured onboard, the cost of the treatment provided will be added to your account for settlement prior to the end of the cruise.

If you are in need of urgent medical treatment which cannot be provided onboard, you will be evacuated from the ship for treatment in a conventional hospital.

Depending on the cruise you have selected, this could involve admission to a foreign hospital and yet further medical costs, so this is where travel insurance is invaluable.

If your cruise ship is too far from land and you fall seriously ill, it wont be possible for you to be evacuated by helicopter and cruise ships can’t accommodate a plane landing.

The potential of evacuation not being possible is a real risk to consider, especially if you have serious medical conditions.

If you have a significant pre-existing medical condition and you fall ill whilst cruising, you may require urgent or specialist treatment and it may not be possible for this to be provided onboard.

In this case, the risk of you being offshore may be considered too high. We can explain how this may affect your travel plans.

What happens if your flights are delayed and you fail to board the cruise at the point of departure? Travel insurance can pick up the cost of additional travel costs incurred to join the cruise at the next port.

Cruise holidays present unique risks and challenges for insurers to accommodate and it is important that you understand the cover being provided by the policy you select.

They offer a Cruise extension which is designed to provide a range of cruise-specific benefits such as compensation for cabin confinement, missed shore visits, additional baggage allowances and emergency formal attire.

The diversity of a cruise holiday means that you have the potential to travel from city to city, experiencing different surroundings and cultures on a daily basis.

With so many options available and so much planning needed, Go Insurance takes pride in communicating all of the details of our cruise insurance options with you online or via phone to suit your budget and itinerary, so you can cruise with confidence.

So what’s covered under GO Insurance Cruise Extension?

(Overseas Medical Expenses)

For medical expenses (including ship to shore evacuation) incurred as a result of Bodily Injury or Illness being sustained whilst cruising.

Pre-paid excursions

If you or your travelling companion become sick or adverse weather prevents you from partaking in booked excursions along the way, they will compensate you for the loss.

Missed shore visit

They understand that sometimes there are cruise timetable restrictions, or adverse weather can change plans to dock at certain ports of call.

If this happens, they will provide a cash benefit for stops missed.

Cabin confinement

The last thing you want to happen on your holiday is to be confined to your room and quarantined by the ship’s doctor.

They will supply a cash benefit for each day you spend cabin confined.

Emergency formal attire

If disaster strikes they will pay for replacement, repair or hire costs if your formal attire is lost, damaged or stolen.

Cruise Insurance Cover explained

If your trip includes a sea or ocean cruise, this option needs to be added to your policy. Without it, there’s no cover for claims that arise from being on a sea or ocean cruise.

You don’t need this option if you’re:

You’re travelling on a river cruise
You’re taking a ferry
You’re cruising or sailing on inland waters within Australia

When you add Cruise Insurance Cover, it includes:

Overseas medical expenses while you’re onboard, including ship-to-shore evacuation if needed
Cover for prepaid optional cruise excursions you can’t use due to illness, injury or adverse weather
A benefit if scheduled port visits are cancelled due to weather or cruise timetable restrictions
Cover to help you re-join your cruise in certain situations, such as illness, injury or transport disruption
A daily benefit if you’re confined to your cabin on the ship doctor’s orders

Benefit limits vary depending on your chosen cover level. Please refer to the Schedule of Benefits in the Product Disclosure Statement (PDS) for full details.

Disclaimer

Travel Insurance Quotes (ABN 21 542 258 313) act an Agent of GO Insurance, which is a registered trading name of Go Unlimited Pty Ltd (ABN 74 149 217 925). Go Unlimited Pty Ltd is an Australian Financial Services Licence Holder (No. 404782) and an approved Lloyd’s coverholder.

We are an authorised distributor of GO insurance, in which Travel Insurance Quotes does not act on your behalf.

We do not provide advice on this insurance based on any consideration of your objectives, financial position or needs. Policy terms, conditions, limits, exclusions and underwriting criteria apply. Before making a decision, please consider the PDS. The Target Market Determination can be found here. If you purchase this insurance, we will receive a commission that is a percentage of the premium. Please ask us for more details.