Cruise Travel Insurance

Important Travel Alert:

Before you buy, please read our travel alerts.

The one thing you need, when one thing goes wrong

Oh buoy! When you're out at sea there are plenty of things that can go wrong. From food poisoning, a missed port or even needing helicopter evacuation - getting cruise insurance is vital to cover you from ship to shore.


Unlimited Medical Medical Costs

Medical costs on a cruise can be very expensive. Relax knowing you're covered from ship to shore with unlimited medical cover and emergency assistance. 

Cruise Travel Insurance

Trip Cancellation*

If you get sick or injured or are forced to cancel pre-paid travel plans, we'll cover any cancellation fees or lost deposits.

lost items

Lost belongings

We cover up to $15,000 worth of luggage and personal effects so you can travel with all your favourite things.


 Weather Delays

If you miss your cruise due to bad weather, we'll cover additional accommodation and travel expenses to get you to the nearest port.

family emergency

Family Emergencies

Hitting the high seas without loved ones can be daunting, but we can assist to keep you connected with family if things don’t go as planned.

formal wear Formal Wear

 Formal attire is required on some cruises for certain events. We provide cover if your expensive clothing gets damaged, lost or stolen.
cabin confinement

Cabin Confinement*

No one wants to think about getting sick on holidays. But if you do and are stuck in your cabin, we'll cover you.
missed departure

Missed Departure

  •  If you miss your cruise departure, you may be covered for the costs to get on at the next port so that you can enjoy your holiday.



It is important to read the PDS to understand the terms of the policy as limits and exclusions apply.

*Please Note: There is no trip cancellation or cabin confinement cover arising due to COVID-19.

Understand our Covid Cover



Add Cruise to your cover

  • To be covered while cruising with 1Cover you must purchase our Cruise Pack during the online quote process.
  • The Cruise Pack gives you the following benefits:

  • - Emergency Medical and Hospital cover
    - Medical Evacuation-ship to shore 
    - Pre-Paid Shore Excursions Cancellation 
    - Missed Cruise Departure
    - Cabin Confinement/Loss of Enjoyment
    - Missed Port Cover
    - Formal Attire Cover
    - Formal Attire Delay Allowance

  • Our policies include coverage for medical costs onboard the cruise, but no cover for pre-trip cancellation or additional expenses arising due to COVID-19.  Learn more about domestic travel insurance and see full benefits in our PDS.



Awarded Exceptional Quality Travel Insurance



Cruise Insurance FAQs

  • Do I have to purchase the cruise pack to be covered?
  • Yes, you are not covered out at sea if you do not purchase the Cruise Pack. You must add it to both Domestic & International cruises. 

  • Will My Policy Cover Me for Medical Evacuation Off the Ship?
  • Yes, if you’re seriously ill or injured in a remote location (including onboard a ship) and need urgent medical assistance, you should contact our Emergency Assistance Team. Our medical experts will liaise with the medical team onboard the ship and arrange an evacuation for you to the nearest or most suitable hospital for your treatment.

    If you're within Australia, once you’re transported to a location where an ambulance or Royal Flying Doctor Service can pick you up, your Medicare card or private health insurance can be used for any medical expenses that you incur. Policy terms, conditions and limitations such as pre-existing medical conditions apply.

  • Will My Policy Cover Me Medically on a Domestic Cruise?
  • Yes, in the event a medical emergency onboard your cruise, you would be covered for your medical provided that you added the Cruise Pack on to your policy.  If your cruise is along the Australian coastline or within Australian waters, you would need to select the Comprehensive Policy with Cruise Pack add-on. This includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack. You should choose the Australia Cruise or Domestic Cruise region for your destination. Whilst in port or travelling domestically on land, there’s no cover for medical costs (including out-of-pocket expenses) in Australia under your policy.  Once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider.  Your policy will cover you for emergency medical expenses incurred on-board the ship whilst cruising. Basically, where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover.  

  • Will Medicare Cover Me On A Cruise In Australian Waters? 
  • No, once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. 

    If your cruise is in Australian waters, you would need to select a Comprehensive policy with Cruise Pack add-on, choosing the Australia Cruise region. This includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack.  

  • Can I Buy A Medical Only Policy a Cruise?
  • Our Medical Only policy does not offer the Cruise Pack add-on. To be covered while on your cruise, you’ll need to add the Cruise Pack to your Comprehensive, Frequent Traveller and Already Overseas policy. The Medical Only policy won't cover you on a cruise. 

  • How Much Is Healthcare On-Board A Cruise? 
  • While on-board a cruise medical costs are quite expensive. Hospital bills can be as much as $5,000 per day. Simple treatments, consultations and medications on board a ship are charged at private rates. This can mean that a doctor’s appointment can be as much as $100. 

  • What Destination Do I Choose when buying my policy?
  • Please refer to the Cruise Region list on this page. If you’re going on a cruise, you must select the region/s based on the countries the ship will visit.

    Travellers on domestic cruises in Australian waters should select the Australia Cruise region to ensure cover for such things as emergency medical assistance and emergency medical and hospital expenses, cancellation fees or lost deposits, and more.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the PDS.

  • How do I claim for missed port cover?
  • If your cruise has been affected and you wish to make a claim for missed ports, the best way to do this is using our online claim form: When submitting your claim, please select the benefit type "Other". You will need to provide a copy of your itinerary and a letter from the cruise ship specifying the ports missed and the reason for the missed ports. Please Note: a) our missed ports benefit amount is $250 per missed port, per adult listed on the policy. b) The missed port benefit is capped at a total benefit limit of $750 per Adult. c) A $200 excess applies per policy per event (not per person or per port).

  • Does Cruise travel insurance come with covid cover? 
  • Our policies cover for medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment whilst on your cruise internationally and domestically. However a cruise pack must be purchased in order to be covered. We do not cover for any cancellation costs or additional costs incurred because of Coronavirus, or for cabin confinement due to Coronavirus. 

  • Do you cover for river cruises? 
  • You are required to purchase additional cruise insurance for river cruises. Whilst river cruises will have teams onboard to deal with certain medical situations, you will need travel insurance to cover medical expenses onboard as well as medical evacuation should you need it.  

  • My cruise stops at multiple destinations. Do I need to list them all?
  • You should include all destination countries you'll be visiting, however, you can select a region if you are making multiple stops within the same area. For example, you can choose ‘South Pacific’ or ‘Europe’ or ‘USA’ depending if you are going on a Pacific, Mediterranean or Caribbean cruise. If unsure, list all destinations separately. 

  • What is considered a cruise ship?  
  • A cruise ship is defined as a ‘Cruise Vessel’ which is a large ship that carries people on voyages for the purpose of leisure travel, typically but not limited to docking temporarily at several ports and places. Please see the PDS for full terms, conditions and definitions.

  • Do I need cruise cover for a harbour cruise or boat transportation? 
  • No, you do not typically need to add the cruise pack if you are going on a tourist day boat trip for example or if you are getting on a boat for transport to get you from A to B. We define cruising as a large ship that carries people on voyages for the purpose of leisure travel, typically but not limited to docking temporarily at several ports and places. Please see the PDS for full terms, conditions and definitions.

  • Can seniors buy cruise travel insurance? 
  • Seniors can purchase the cruise pack at any age. However, if you are aged 80 years old or above, a $3,000 Excess applies for all claims arising from, related to or associated with an Injury, Illness or medical condition. 



Domestic Cruising

If you're on a domestic cruise within Australian waters you are no longer covered by Medicare. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise.




Table of Benefits - Cruise Travel Insurance

Explore our table of benefits below to see all the cover provided by our cruise travel insurance policies. 
See the PDS for the full list of benefits or get your instant quote now.

Policy Benefit Overseas - Comprehensive/
Frequent Traveller
Frequent Traveller Domestic

Overseas Emergency Medical Assistance^



Overseas Emergency Medical & Hospital Expenses^*

Unlimited X

Includes Dental Expenses (per adult)^



Resumption Of Journey^*



Hospital Cash Allowance^*



Repatriation Of Remains



Permanent Disability^*



Loss of Income^*



Credit Card Fraud & Replacement^



Includes Travel Documents & Traveller's Cheques^



Theft Of Cash^#



Luggage & Personal Effects*



Luggage & Personal Effects Delay Expenses^



Additional Accommodation & Travel Expenses*



Includes Family Emergency*



Includes Emergency Companion Cover*



Cancellation Fees & Lost Deposits*



Disruption Of Journey*



Alternative Transport Expenses^



Personal Liability#

$5 million

$5 million

Domestic Pets^*



Domestic Services^*



Rental Vehicle Insurance Excess#*


cruise pack Sailing
Pre Paid Shore Excursions Cancellation^^


Missed Cruise Departure^^



Cabin Confinement/Loss of Enjoyment^^*


Missed Port Cover^^


Formal Attire Cover^^*


Formal Attire Delay Allowance^^



Choose your Cruise Region

When you purchase your cruise travel insurance, you’ll need to select the correct region so that you’re covered properly on your holiday.


Arctic / Antarctic / Alaska

Choose this region if you’re sailing Alaska, the Antarctic, Arctic and/or Greenland.



Asia covers Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, & Indonesia (including Bali).


Europe (Including Europe River)

This option excludes the Mediterranean, but includes the UK.


Mediterranean, Middle East, Africa

 If you select this option, you’ll be covered for all of Europe, plus the Mediterranean, Middle East & Africa. 


New Zealand

Select this option if you’re only sailing within New Zealand waters.



If you’re taking a domestic cruise within Australia (includes Norfolk Island).

South Pacific

South Pacific 

All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (you will also be covered for Australia and New Zealand).



North America,
Central America,
South America, or if you’re cruising more than one region on this list. 


Tailor your Cruise Insurance

Car Hire Excess

Choose your Excess

You can choose the excess that best suits you. Opting for a lower excess means you’ll pay less if you need to claim. 

High Value Cover

High-Value Items Cover

If you’re taking certain valuable items on board, you might want to purchase extra cover for them. Note: the item must be purchased within 12 months of buying your policy, and exclusions apply. 

Rental Car Cover

Additional Rental Vehicle Excess

It’s common to hire a car when the ship has docked in a new location. We offer automatic rental excess cover of $5,000, but you can increase this to $8,000.


Get a quote



Trending cruise Guides

Cruising holiday Advice

Check out our ultimate guide to cruise holidays for families, solo travellers, seniors and couples. If you’re going on a cruise – you need this guide.

Cruising With Kids

Find out how to pick the perfect cruise for babies, toddlers and young children. Includes tips and tricks to help keep everyone happy on the high seas.

Cruising For seniors

Discover our specially tailored guide to over-60s cruise holidays. It’s got everything you need to know for planning a senior cruising holiday. 


Why Choose 1Cover Travel Insurance?

Trusted by 2 Million customers

Since 2003, we've provided travel insurance to more than 2 million happy customers. 

Award winning

We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance.

Customer Service

Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out.


24/7 emergency Assistance

Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in world.   


Medical Cover

We have a robust medical screening process to cover many medical conditions.  We  automatically cover 35 conditions for free.


Fast Claims

Use our fast and innovative online claims form to get your claims paid quickly. 



need help? Contact us!

If you have any other questions or queries, please visit our Contact Us page.  If you are experiencing an emergency, please use the details on our Emergency Assistance page. 





The one thing you need
when one thing goes wrong