Cruise Travel Insurance

The cost of a cruise travel insurance policy depends on the type of cruise trip that you will be taking.

There are many considerations in the cost of travel insurance for cruising, including:

•        The number of travellers
•        The ages of the travellers
•        Where the cruise is going to
•        The duration of the whole trip
•        The other types of activities that you may be planning to do: riding a motorcycle, moped or scooter, adventure sports, whether you’ll be hiring a rental vehicle or bringing your bike with you.
•        If you would like to reduce your Standard excess or increase the cover for your valuable items.
•        The type of policy you choose for your trip

To find out how much it would cost for a travel insurance policy for your cruise holiday, get a quote and see what you can be covered for.

Unless there’s a Medicare registered doctor on-board the cruise ship, you won’t be able to use your Medicare card if you have to see the doctor. As most cruise ships are owned by American companies, it’s unlikely you’ll be able to use your Medicare card, which means you’ll be charged for the service.

While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations. If this happens, you may need to be evacuated off the ship and taken to a hospital back on land. That’s where a cruise travel insurance policy may prove invaluable.

Travel insurance for cruising is different to a holiday where you’re flying, taking the train or bus to your destination, simply because you’re on the sea or ocean! If a serious emergency occurs, the ship’s medical facilities may not be equipped to treat you adequately, and you may need to be evacuated off the ship and taken to a hospital on land.

That’s why you should make sure that your travel insurance policy covers you for cruising. And that’s also why a cruise travel insurance policy may cost a little more, as it doesn’t just cover you for medical treatment: a travel insurance policy for cruising also provides you with cover for evacuation off the ship to an overseas hospital, or repatriation back to Australia for treatment.

Our policies provide you with the flexibility to add cover for your cruise trip when you need it, so you’re not paying for something you don’t need. When considering a travel insurance policy for cruising, always make sure to check if you’ve got cover for your cruise holiday.

If you are a frequent traveller and aged 64 and under, a Frequent Traveller Saver policy automatically provides you with cover for cruise holidays.

Yes you can! If you’re taking a straight forward cruise holiday or you’re not concerned about cancellation expenses or losing your luggage, Fast Cover offers a Basics travel insurance policy which provides you with medical, evacuation and repatriation cover.

If your cruise trip involves you paying a large deposit a few months in advance of your cruise trip, flights, on-shore excursions or a land tour, you may consider looking into our Comprehensive or Standard Saver policies, which can provide you with additional benefits including cover in case you need to unexpectedly cancel your trip due to illness, your luggage being stolen, or your flights being delayed due to severe weather.

If you’re feeling unwell or you are injured, seek help from the staff on-board the cruise ship.

Travel insurance for cruising may provide cover for medical emergencies you experience while on-board a cruise. As soon as possible, get in contact with the Emergency assistance team and let them know what’s going on. They’ll be able to advise you on what you need to do, and coordinate an emergency medical evacuation if required.

If you need to see a doctor on-board, you’ll most likely have to pay the consultation fee and for any medications or treatment that you require upfront. Make sure you get copies of all invoices and medical reports, and you can then make a claim with us to be reimbursed for these costs.

For large medical expenses, which may happen if you have to be medically evacuated from the cruise ship or you are hospitalised, Fast Cover may arrange for the provision of any written guarantees for payment. 

We know that your plans may change during your holiday. If you don’t have a cruise travel insurance policy, and you decide to go on a cruise – it’s not too late to be covered for your cruise trip! Get in contact with us to add cruise cover to your policy, jump on that cruise and enjoy the high seas!

As with all types of insurance, you can’t be covered for every situation that occurs. Some things that we can’t cover you for while you’re on your cruise holiday include:

•  Missed ports: Sometimes it happens – bad weather may prevent your cruise ship from being able to dock at a port. While there is no cover on your cruise travel insurance policy for missing a port, you can put a claim in for any shore excursions that you’ve already paid for at that destination.
•  Cabin confinement: Unfortunately, if you’re confined to your cabin because there’s a viral outbreak on-board your cruise ship, there’s no cover for you not being able to enjoy everything that the cruise ship has to offer. If you do unexpectedly contract a virus, however, and need to see the doctor, you can put in a claim for the medical expenses you incur.
• Unsupervised belongings: Make sure that you have your belongings with you at all times, or keep them locked up in your cabin. If you take a dip in the pool, leave your phone on a banana lounge, and someone takes it, it would be considered to have been left unsupervised. There is no cover on your cruise policy for unsupervised items.