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Australian cruise travel insurance

Australian cruise travel insurance provides cover for the unexpected, including emergency repatriation, evacuation and cancellation. Find out why you need travel insurance for your domestic cruise.
Life saver cruise

Australian Cruise Insurance

Australians love to cruise! And being the sixth largest country on the planet, and the world’s largest island, that’s a whole lot of coastline for you to explore!

Even if your cruise is along the Australian coastline, your domestic cruise plans may still hit a snag (figuratively speaking!). Buying Australian cruise ship travel insurance can help if sudden illness, injury or severe weather prevents you from starting or even continuing your cruise.

5 Things you should know about travel insurance for Australian domestic cruising

  1. Evacuation or repatriation cover in medical emergencies is included.
  2. You can be covered for unexpected cancellation to protect the deposits you’ve already paid for your cruise.
  3. You don’t need to fill in a medical assessment to buy Australian cruising travel insurance.
  4. We automatically cover 43 pre-existing medical conditions.
  5. A huge list of leisure and sport activities are automatically covered, including snorkelling, fishing, body boarding and helicopter rides.
Guy pointing

Domestic Cruise Travel Insurance

Domestic cruise insurance provides you with cover while you’re cruising along the Australian coastline and sleeping onboard the cruise ship.

If you’re simply taking a ferry ride for a few hours in the harbour or just going on a river cruise, you can purchase our Domestic Plus travel insurance.

Ferry boat

Do I need travel insurance for cruises in Australian waters?

Even if you’re simply taking cruises around the Australian coast, it’s a good idea to be covered just in case something unexpected happens: you may have to cancel your Australian cruise before you’re even able to leave your home due to sickness or injury, not be able to continue your domestic cruise trip because you’ve injured yourself while embarking or disembarking, or accidentally drop and damage your phone while taking photos of the stunning view.

Another reason to consider buying domestic cruise travel insurance is that you may be injured whilst visiting a remote location, and need to be evacuated to where the Royal Flying Doctor Service (RFDS) or ambulance is able to pick you up to take you to a medical facility for treatment.

Buying Australian domestic cruise travel insurance can reimburse you for your out of pocket expenses or provide you with evacuation cover.

What is included in travel insurance for an Australian cruise?

The cover that you can have for your domestic cruise will depend on the type of travel insurance you choose to buy. You can have cover for:

You unexpectedly cancelling your domestic cruise

The Cancellation benefit can reimburse you for the payments or deposits you’ve already made towards your trip, not just for the cruise around Australia itself, but also any domestic flights, accommodation and excursions.

This benefit provides you with cover before you leave for your cruise, and also during your cruise if you have to cut your trip short due to a sickness or injury.

Activities

You’re automatically covered for many activities that may be offered on your cruise in Australia, including snorkelling, paddle boarding, diving up to 10 m and fishing.

Into adventure cruising? With the Adventure Pack add-on, you can be covered for more adventurous activities including scuba diving up to a maximum depth of 30m, water skiing and deep sea fishing.

Emergency evacuation transfer to medical transport

The emergency evacuation benefit provides cover for you to be evacuated to where you can be picked up by air or land ambulance, or the Royal Flying Doctor Service in the event of a medical emergency.

Luggage and personal belongings

Cameras, hearing aids, phones and the other personal belongings that you bring with you on your domestic cruise can be covered under the luggage and personal belongings benefit.

Disruptions to your trip

If your cruise around Australia is disrupted because you, your travelling companion or a family member back home is seriously sick or injured or a natural disaster prevents your cruise from continuing, you can claim for the additional transport and accommodation expenses that you incur.

Travel delay expenses

If your planned transport is delayed for more than 6 hours from your scheduled departure time, you can claim for the travel delay expenses that you may incur as a result of the delay, including accommodation, food and taxi fares.

Special event transport expenses

If your booked transport is delayed or cancelled, which means you’ll miss your domestic cruise, you can be reimbursed for the cost of another mode of transport to get you cruising on time.

Theft of Cash

You can claim to be reimbursed for cash up to $250, if this cash is stolen from you while you’re on-board your ship or from a secure locked compartment.

What isn’t included in Australian cruise travel insurance?

We are not able to cover the following:

Medical Cover

As you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover for domestic cruises.

Delay of luggage and personal effects

If your luggage is delayed, misdirected or misplaced by your airline or cruise operator, you should contact your airline or the cruise line as soon as you can.

Lost or stolen credit/debit cards or fraud

You should notify your bank immediately if your credit or debit cards are lost, stolen or damaged.

Cruising that does not follow the coastline

We can only provide cover for domestic cruises that follow the Australian coastline, along rivers and estuaries. Any domestic cruises which take you out into open waters away from the Australian mainland are not able to be covered under Australian cruise travel insurance, including cruises that cruise in the region of or stop at:

  • Arnhem Land
  • Ashmore Reef
  • Cape York
  • Christmas Island
  • Cocos (Keeling) Islands
  • Lord Howe Island
  • Montebello Islands
  • Norfolk Island
  • Thursday Island
  • Torres Strait Islands

You do not need Australian cruise travel insurance if you are only taking a river cruise. For river cruises, you can purchase Domestic Travel Insurance.

For cruising in open waters away from the Australian mainland, you can purchase international cruise travel insurance.

If you’re unsure if your domestic cruise can be covered, contact us now via email info@fastcover.com.au or phone 1300 409 322 to confirm.

Will Medicare cover me for a cruise in Australia?

Cruises along the Australian coast give you the advantage over an overseas trip: if you’re sick or injured, you’ll be admitted to an Australian hospital and be treated by Australian doctors, and you can use your Medicare card and your private health insurance to cover the medical expenses.

Will the Coronavirus pandemic affect my domestic cruise?

The conditions around the Coronavirus epidemic will evolve and change over time.

If you or your travelling companion require medical care, you would have medical cover under Medicare and/or your private health insurance.

Small ship cruising has been able to kickstart the 2020/2021 Australian cruise season, as their smaller passenger capacity means they are able to operate relatively safely in the current environment with COVID-19 safe plans in place.

While the Australian cruise lines have introduced very rigorous COVID-19 screening processes, you should still keep an eye on developments surrounding the COVID-19 pandemic situation before and during your domestic cruise, as these developments may affect your Australian cruise travel insurance.

Useful resources to keep an eye on include:

Please note there is a General Exclusion for Pandemics and Epidemics, which means there is no cover for SARS-CoV-2 virus, the COVID-19 disease or any mutation of either.

Does cruise travel insurance cover time on land?

When you’re on shore excursions on the mainland, travel insurance for domestic cruising can provide you with cover for:

  • Trip disruptions if you or your travelling companion become sick or injured while you’re seeing the sights
  • Lost, stolen or damaged belongings, including phones or cameras
Helicopter

How does the Repatriation or Evacuation benefit work?

If you’re seriously sick or injured in a remote location, and you need urgent medical assistance, the repatriation and evacuation benefit provides for any necessary private transport (e.g. a helicopter or seaplane) to pick you up and transfer you to where an ambulance or the Royal Flying Doctor Service can take over.

As you’re travelling domestically, there’s no cover under your domestic cruise travel insurance for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance. Once you’re transported to a location where an ambulance or Royal Flying Doctor Service are able to pick you up, your Medicare card or private health insurance can be used for any medical expenses that you incur.

Can I get travel insurance for my Australian cruise?

green tick Travel insurance for Australian cruises is available to:

  • Travellers up to the age of 89.
  • Australian citizens, permanent and temporary residents.
  • Travellers who have paid for their domestic cruise up to 12 months in advance and want to take advantage of the cancellation benefit, in case they’re not able to go on their cruise because of sickness or injury.
  • Travellers who do not have pre-existing conditions or satisfy the conditions on our list of 43 automatically covered pre-existing medical conditions.
  • If you’re pregnant and considering going on a babymoon cruise before your baby arrives, you should check our Pregnancy Travel Insurance Guide to see if you can be covered for the stage of pregnancy you’re in.
  • Travellers who are intending to do adventure activities such as snorkelling, diving, fishing or helicopter flights. You should check to see if the activity is automatically covered or if you need to add the Adventure Pack to your policy for the activity to be covered.

green tick Australian cruising travel insurance can be purchased by:

Star ranking
What is the best cruise travel insurance in Australia?

The best travel insurance for domestic cruising is one that’s able to cover you for the type of cruise you are planning on doing.

When looking for a travel insurance policy for your domestic cruise, you should consider what you’re going to be doing and what you want to be covered for:

  • Have you booked your cruise in advance, and are worried that an unexpected illness or injury will cause you to cancel your trip?
  • Will you be cruising to remote areas such as the Kimberley or Great Barrier Reef and may need emergency medical evacuation if you become sick or injure yourself?
  • Do you have a new camera and you’re worried that it will be stolen?
  • Do you need cover in case you want to do some scuba diving?
  • Are you concerned that a natural disaster may delay your cruise or even cause it to be cancelled?

These considerations should be taken into account when you compare cruise travel insurance policies, so you understand what you’re covered for before and during your cruise.

Financial save piggy bank
Where can I get cheap cruise travel insurance in Australia?

Everyone’s holidays are different. You may be travelling purely for your cruise, or you may choose to holiday a few days before and after the cruise to do some sightseeing, rent a car or visit family and friends, so the cost of travel insurance for your domestic cruise will be specific to you.

The cheapest domestic cruising travel insurance policy that you can find may not be the best cruising travel insurance for you.

The cost of travel insurance for your Australian cruise will take into account:

  • The ages of all travellers.
  • How far out from your departure date you’re purchasing your cruise travel insurance policy (if you want cancellation cover to protect the deposits that you’ve made for your cruise trip)
  • How long you’re cruising and travelling for in total.
  • The activities that you’ll be doing.
  • Whether or not you’re hiring a rental car on the trip and want to have cover for the rental vehicle insurance excess.
  • The excess amount on your policy.

How can I buy travel insurance for cruising in Australia?

As the cruise is in Australia, you should select the Domestic region, and choose “Yes” to the Cruise option. This will ensure that you have cover while you’re on the mainland and also while on your cruise. If you do not select “Yes” when asked about going on a cruise, you won’t have cover if you go on a cruise in Australia.

You can get a quote online, send an email to info@fastcover.com.au or call our friendly and helpful team to put together a quote for you on 1300 409 322.

Senior couple waving

Can I get domestic cruise travel insurance for seniors?

Yes you can! Domestic cruise insurance for Australian seniors is available for travellers up to the age of 89.

So if you’re keen on a holiday along Australian shores, you can buy domestic cruise travel insurance to cover you just in case things don’t go to plan.

When should I buy my Australian cruise travel insurance?

It’s up to you when you purchase your cruise travel insurance cover. You can purchase it:

  • Up to 12 months before your cruise departs, after you’ve paid your deposit.
  • Up to the day that you board your plane to get to your cruise.
  • Up to the day you board your cruise.

When considering when to buy travel insurance for your domestic cruise, you should keep in mind that the Cancellation benefit is activated when you purchase your cruise travel insurance policy (if it is included in the policy that you have chosen).  This is particularly useful because many cruises can be booked up to 12 months in advance.

The cancellation benefit provides you with cover in the event that you have to unexpectedly cancel your cruise in Australia due to sickness, injury or a natural disaster like bushfires. If you have cancellation cover on your cruise travel insurance, and you can’t go on your cruise, you can be reimbursed for the prepayments that you’ve already made for your trip, including the domestic cruise itself, flights, accommodation and tours.

Buying travel insurance for your Australian cruise can give you the peace of mind to explore Australia’s unique coastline, and the out of the way areas that you wouldn’t normally be able to access on a larger cruise ship.

Cruise port hole

Cruising in Australia

There are two type of cruises that you can take in Australia, and the key difference is in the size of the cruise ship itself:

Cruise ship
Large ship cruising

Large ship cruises take you out into the sea or ocean from a couple of days to several weeks or even months and can accommodate more than 200 passengers.

Some companies who offer this type of cruising in Australia include P&O, Carnival, Princess and Royal Caribbean.

If you’re interested in finding out more about large ship or international cruising, check out our Cruise travel insurance page.

Ferry cruise
Small ship cruising

Small ship cruises take you along the Australian coastline and can explore rivers and estuaries and have a capacity up to 200 passengers.

The companies who offer this type of cruising include Kimberley Expeditions, Odyssey Expeditions, Coral Expeditions and Kimberley Quest.

What small ship cruise expeditions are available?

With such a vast coastline such as Australia’s, the domestic cruising itineraries are as varied as they are interesting, and include:

Kimberley Geikie Gorge
Kimberley cruise travel insurance

A west coast cruise in the Kimberley region can go from Broome to Cockatoo Island/Exmouth/Wyndham/Mitchell Plateau/Darwin/Broome or reverse.

Great Barrier Reef
Great Barrier Reef cruise travel insurance

As one of the natural wonders of the world, a Great Barrier Reef cruise should be on all our lists. Cruises depart Cairns to Cairns or Gold Coast.

Hobart Tasmania
Tasmania cruise travel insurance

Hobart to Hobart cruises and can be Tasmania circumnavigation cruise.

Freemantle Beach
West Coast cruise travel insurance

Explore Western Australia’s coastline from Freemantle to Broome or reverse.

Sydney harbour
Sydney cruise travel insurance

Sydney to Sydney cruises operate for 3 to 4 days and some include exploration of the Sydney’s Hawkesbury River.

red cross Cover currently unavailable for cruises departing Sydney.

Coral fish
Rowley Shoals travel insurance

The Rowley Shoals is three reefs located 190 nautical miles west of Broome off the Western Australia coast.

red cross Cover currently unavailable for cruises to Rowley Shoals.

Nadab lookout Arnhem Land
Cape York, Torres Strait or Arnhem Land cruise travel insurance

There are a variety of cruises that cruise across the top part of Australia visiting various ports. These top end cruises can go from Cairns to Broome (or reverse) and visit Cape York, Torres Strait and Arnhem Land.

red cross Cover currently unavailable for cruises to Cape York, Torres Strait and Arnhem land. 

Adelaide South Australia
South Australia cruise travel insurance

Cruises offered include Adelaide to Ceduna

red cross Cover currently unavailable for South Australian cruises.

Bruny Island Tasmania
Sydney to Hobart cruise travel insurance

The Sydney to Hobart race without the stress! Watch the start of the race and then leisurely trail the fleet in comfort.

red cross Cover currently unavailable for cruises departing Sydney.

Why should I do an Australian cruise?

Want action, relaxation, adventure, scenery and luxury? If you’ve already been on worldwide cruises, not keen on rubbing shoulders with a few thousand other happy travellers on a large cruise ship, and wary about a potential mass transmission of diseases and viruses including COVID-19, or you simply want to explore more of Australia, domestic cruising may be the Australian cruise holiday you’ve always dreamt of.

Some other benefits of taking a cruise along the Australian coastline include:

  • Access to little seaside towns, remote sites and natural habitats which the larger cruise ships aren’t able to get to. These shore excursions are usually included in the price of the cruise.
  • You can leave your passport at home.
  • Small group cruising means a more personal experience and less waiting around.
  • No hassles with foreign exchange rates.
  • You can use your Medicare card or private health insurance for medical expenses.
Guy with microscope

Australian Cruise Travel Insurance FAQs

Yes, you can take out cruise travel insurance, which can provide evacuation and repatriation cover while you’re on your cruise ship. Travel insurance for cruising can also cover you while you’re seeing the sights on the mainland.

It depends on what you want to be covered for! You should compare travel insurance policies to find the best travel insurance that suits the type of trip that you want to do.

The benefits that you should look for in cruise travel insurance include cover for cancellation, evacuation and repatriation, disruptions to your trip and lost or damaged luggage.

We have created a Cruise Travel Insurance page on our website that is designed to answer your specific cruise questions.
  • What things do you need to know about travel insurance for cruising?
  • What can you be covered for on your cruise holiday?
  • Why should you buy cruise travel insurance?
  • Do you need cruise travel insurance if you're taking a cruise in Australian waters?
  • Do you need cruise travel insurance if you're taking a river cruise?
  • More...

Click Here to read the Cruise Travel Insurance Guide, find answers to your questions or get a Cruise Travel Insurance Quote.

The unexpected can happen even while you’re travelling along the Australian coastline: injury, sickness, natural disasters and lost or stolen belongings. Domestic cruise insurance can provide you with repatriation and evacuation cover.

You should take out a cruise policy for the relevant region that you will be travelling to. A cruise policy will cover you for both the land and sea portions of your trip.

Cover is subject to the policy terms, conditions, limits and exclusions.in the Product Disclosure Statement (PDS)..

If you will be cruising in Australian waters, choose the Domestic region and select 'Yes' to the question 'Going on a cruise?'

All cruises in Australian waters, New Zealand and the South Pacific Islands will default to the 'Domestic and Pacific with Cruise' region.

Things you need to know

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.