Cruise Travel Insurance

If you’re going cruising and want to be covered while you’re at sea. 

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Cruise Travel Insurance Benefits

Whether you're cruising the Pacific, gliding through the rivers of Europe or sailing to Antarctica, 1Cover's Cruise Travel Insurance will provide you the cover you need and the peace of mind you want on your cruise.

Book your Cruise Cover today and enjoy all the benefits of our award-winning comprehensive travel insurance policies plus the extra benefits included in our Cruise Pack add-on. All the benefits listed below are subject to the limits and exclusions and the terms and conditions outlined in the PDS. And if you want some insider advice on cruising solo, with kids, with teens, or with your partner, look no further than our in-depth Guide to Cruising

Unlimited Medical

Unlimited Medical

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

Unlimited Cancellation

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.

Luggage & Personal Items

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 a natural disaster or bad weather, we'll cover additional accommodation and travel expenses to get you the nearest port.

Family Emergency

Family Emergency

We know how important your family is. That is why we have up to $50,000 worth of Family Emergency Cover.

Formal Wear

Formal Wear

Formal wear is a big deal on cruises. That's why we provide cover for damage, theft and loss of formal wear.

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.

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
Domestic/
Frequent Traveller Domestic
medical
   

Overseas Emergency Medical Assistance^

Unlimited

X

Overseas Emergency Medical & Hospital Expenses^*

Unlimited X

Includes Dental Expenses (per adult)^

$1,000

X

Resumption Of Journey^*

$3,000

X

Hospital Cash Allowance^*

$5,000

X

Accidental Death*

$25,000

$25,000

Permanent Disability^*

$25,000

X

Loss of Income^*

$10,400

X
luggage
   

Credit Card Fraud & Replacement^

$5,000

X

Includes Travel Documents & Traveller's Cheques^

Yes

X

Theft Of Cash^#

$250

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

$250

X
cancellation
   

Additional Accommodation & Travel Expenses*

$50,000

$50,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$2,000

$2,000

Alternative Transport Expenses^

$5,000

X
ancillary
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

X

Domestic Services^*

$500

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000
cruise pack 
   
Pre Paid Shore Excursions Cancellation^^

$1,000

$1,000
Missed Cruise Departure^^

$2,500

$2,500

Cabin Confinement/Loss of Enjoyment^^*

$1,500

$1,500
Missed Port Cover^^

$750

$750
Formal Attire Cover^^*

$1,500

$1,500
Formal Attire Delay Allowance^^

$250

$250

 

 

Get a quote

 

Optional Coverage

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 for added peace of mind. Note: the times cannot be older than 12 months and certain exclusions apply. 

Rental Car Cover

Additional Rental Vehicle Excess

You might choose to hire a car when the ship has docked and you want to sight-see. 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.

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5 by over 1468 reviews on
  • "The First Thing You Should Pack When Travelling"

    I'm so glad we'd thought to get 1Cover travel insurance before we left home. Our claim was dealt with quickly and efficiently. Could not recommend it more highly.

    By Charmaine, May 2019

  • "Empathetic and efficient"

    Couldn’t ask for a more straightforward process when claiming from 1Cover. They were great.

     

    By Grace, May 2019

  • "Best Travel Insurance Yet"

    Great price and a thorough policy that allowed us to travel with piece of mind. We travel alot and will use 1 Cover again without hesitation.

     

    By TanMar, May 2019

  • "Don't leave australia without it"

    Policy was good value and easy to apply for. I've used 1Cover every time I've travelled in last 5 years.

    By Brown, Oct 2019

Read More Reviews

 

Choosing your Cruise Region

The table below will help you to select the correct cruise region when purchasing your cruise policy. Selecting the correct region is important as it will ensure you are properly covered during your cruise holiday.

Arctic/ Antarctic/ Alaska

Antarctic,
Arctic and Greenland

Asia

Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, Indonesia including Bali

Europe (Including Europe River)

Anywhere
in Europe

Mediterranean, Middle East, Africa

Africa,
the Middle East

NZ

New Zealand

New Zealand

Australia 

Australia
(includes Norfolk Island) 

South Pacific 

All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (excludes Australia and New Zealand)

Worldwide 

North America,
Central America,
South America

FAQs About Cruise Travel Insurance

  • Will Domestic Travel Insurance 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 For A Domestic 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. 

  • My Cruise Is Going To Multiple Destinations What Destination Do I Choose? 
  • Please refer to the Cruise Region list above. 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.

 

READ ALL FAQS

 

 

Want to know More about...

Cruise Hub

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

How to pick the perfect cruise for babies, toddlers and young children. Includes the best 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 seniors at sea.

 

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 ProductReview.com.au 2019 Travel Insurer of the Year. ProductReview.com.au 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 seven days a week. 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. 

/emergency-contacts/

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? Call Us!

If you have any questions or queries, or you'd just like to know more about
Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
1300 192 021 
(within Australia)
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Saturday
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Sunday
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