What cover do I need for a domestic cruise?

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. You’re also not covered by Medicare and private health when you’re on land for cruise excursions.

However, you can purchase a Cruise Pack to cover you when you’re on a cruise. If you’re taking a cruise within Australian waters, you will need to select a domestic policy with the Cruise Pack add-on and select "Australia Cruise" as the destination/region. You can find out more about choosing your cruise region here.


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All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.