Coronavirus Outbreak Latest Information

Travel Insurance - Important Information

Keeping You Safe Is Our Top Priority

Due to the ongoing Coronavirus situation, 1Cover is temporarily ceasing to issue new international Travel Insurance policies. This is based on the Department of Foreign Affairs and Trade (DFAT) travel advice remaining at Do Not Travel (Level 4) for all overseas destinations.  Click here to get a quote for a Domestic policy for trips within Australia.



Important Travel Alert:

You can only travel to your destination and be covered if there is no travel ban in place, or you have an exemption. Before you buy, please read our travel alerts.

What is Cruise Travel Insurance?

There are specific risks when you're going cruising: sickness on board, cabin confinement, missed ports, damaged formal wear and more. Additionally, medical care is a little more complex when you’re not on dry land. That's why it's important to protect yourself with travel insurance that’s designed for cruising.

This page will tell you all about cruise travel insurance, but if you're still planning your cruise holiday, remember to check out our in-depth Guide to Cruising. You'll find out which cruise liners are best for you, as well as insider tips for those who are cruising solo, with kids, with teens, or with their partner.

What does Cruise Travel Insurance cover?

Cruise travel insurance means that you get all the benefits of our award winning Comprehensive travel insurance policy, plus you get cruise specific benefits:

  • Unlimited medical cover and emergency assistance (on-board and while docked) 
  • Weather delays or natural disasters.
  • Damage, theft or loss of formal wear.
  • Sickness leading to cabin confinement. 
  • Missed cruise departure 

To see everything you'll be covered for with your comprehensive travel insurance policy, see our coverage page.

All the benefits listed above are subject to the limits and exclusions and the terms and conditions outlined in the PDS.

Why do you need cruise travel insurance?

Whether you’re sailing the Pacific, river-cruising in Europe or adventuring the seas of Antarctica, these are just some of the things that can go wrong on a cruise. Please note, all benefits listed below are subject to the policy wording in the PDS, and that terms, conditions and limitations apply. Please read the PDS before purchasing. 

Unlimited Medical

Medical Costs

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

Unlimited Cancellation

You might need to cancel

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

you lose something valuable

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

Weather Delays

Weather Delays

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

Family Emergency

Family Emergencies

Cruising is popular with families, and that’s why we have Family Emergency Cover.

Formal Wear

Lost/Damaged Formal Wear

Formal attire is required on some cruises fo 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, we'll cover you so you can get on at the next port and enjoy your holiday.


This page was last updated on: 14th February 2020

Travel Insurer Of The Year 2019

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^^





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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.



This option 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.

This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

Unless otherwise specified in the PDS: Sections 12, 12A, 12B, 13 and 14 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B, 13 and 14, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in Australia.
# Limits are per policy regardless of persons the claim relates to.


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  • 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.



Want to know More about...

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 & Loved by 1.5 Million customers

Since 2003, we've provided travel insurance to more than 1.5 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

1Cover won 2019 Travel Insurer of the Year. is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services. 

Local Call Centre

Our Call Centre is based in Sydney and is open Monday to Friday.  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

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.

Still Need Some 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.