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Cruise Travel Insurance

Planning a cruise? Learn about cruise travel insurance for your next cruise holiday, whether you’re going on a domestic cruise around Australia or setting voyage on an international cruise.

Ready to Embark on Your Next Cruise Holiday?

Fast Cover’s cruise travel insurance is available to provide cover for unexpected emergencies on board the cruise ship and during onshore excursions on your cruise holiday, whether you’re embarking on:

  • a domestic cruise within Australian waters for one night or more,
  • an international cruise within New Zealand or the South Pacific Region for 1 night or more, or
  • an international cruise within Asia, Europe or the Worldwide Regions for 4 nights or more.

You must specify cruise cover at the time of purchase. 

You do not need cruise cover for a river cruise.

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

What Does Cruise Travel Insurance Cover?

Fast Cover’s travel insurance for cruises is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your cruise holiday.

This page provides only a summary of some of the benefits and options available for cruising at Fast Cover and does not replace the PDS which sets out the full terms and conditions of cover including benefit limits, sub-limits and exclusions that apply. Please note we can only provide cover for the circumstances and situations covered by your travel insurance policy and listed in your Certificate of Insurance so always review the PDS before deciding whether you need travel insurance and which policy is right for you.

Trip Cancellation Expenses

Trip Cancellation Expenses

If you become unexpectedly sick or injured before your cruise holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including the cruise itself, flights, accommodation and on-shore tours in circumstances explained in your policy.^

At Fast Cover, you can buy travel insurance for your cruise up to 12 months prior to your departure date, including before you've purchased your cruise tickets and booked your on-shore tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. ^

Trip Disruptions Expenses

Trip Disruptions Expenses

Cyclones and severe weather could disrupt the course of your cruise. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel and accommodation expenses you incur whilst you are still on your trip. ^ 

Our Trip Disruption Expenses benefit is available to provide cover for the reimbursement of your reasonable additional travel, accommodation and meal expenses which you cannot recover from any other source, if a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS. ^

Travel Delay Expenses

Travel Delay Expenses

Cruise holiday on pause? If you’re stuck at  an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship -  is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy. ^ 

Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time. ^

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Lost, stolen or damaged luggage can turn a dream cruise holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy. ^  

Our cruise travel insurance may include the Luggage and Personal Effects benefit which is available to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your cruise holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Special Event Transport Expenses

Special Event Transport Expenses

Got tickets for your cruise or an on-shore tour package? If your scheduled transport is cancelled or delayed, Fast Cover may cover you for reasonable additional travel expenses to help you to get to your special event on time whether it’s a cruise, tour package or a wedding, so you don’t miss the moments that matter. ^

If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time. ^

Special events include a pre-booked, pre-paid and pre-arranged: 

  • Wedding 
  • Funeral 
  • Conference 
  • Concert 
  • Sporting event 
  • Cruise 
  • Tour package 
Overseas 24/7 Emergency Medical Assistance

Overseas 24/7 Emergency Medical Assistance

Medical emergencies can happen anywhere - even during your cruise holiday. We’re here to help with our Aussie based Emergency Assistance Team’s support when you need it most. Fast Cover’s emergency assistance Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location. ^ 

Fast Cover’s travel insurance for cruises may include access to our Australian based Emergency Assistance hotline with 24/7 support for reasonable unexpected medical emergencies overseas, who you can call from your cruise ship. ^

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

An unexpected trip to the cruise ship’s on-board doctor is the last thing you might want on your cruise holiday. If you become unexpectedly sick or injured on your overseas cruise or on-board your Australian cruise, the Overseas Emergency Medical and Hospital Expenses benefit is available to provide cover for the medical expenses that you incur to see the on-board doctor in situations covered under your policy. However, we will not pay for any medical expenses or medical transportation which is provided on land in Australia.  ^ 

From food poisoning to torn ligaments, Fast Cover’s cruise travel insurance is available to provide protection against the financial burden of reasonable unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your cruise. ^​

Overseas Emergency Medical Evacuation and Repatriation

Overseas Emergency Medical Evacuation and Repatriation

If you become seriously injured or sick during your overseas cruise, access to emergency medical care could make a huge difference. Fast Cover’s travel insurance for cruises is available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with  appropriate medical supervision.

If you are travelling on a cruise ship within Australian waters (including a remote area within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

Optional Extras for your Cruise Holiday

No two cruise holidays are the same – and your cover shouldn’t be either. A cruise might only be part of your trip, so whether you plan to ride a motorcycle, rent a vehicle for a road trip, participate in snow sports or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities to fit you, your on-shore excursions and other parts of your trip.

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many travellers riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:  

  • Motorcycle,   
  • Moped, or  
  • Scooter. ^ 

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an International travel insurance policy. ^ 

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack. 

man wearing helmet riding scooter

Cover for Your Rental Vehicle Excess

Cover for Your Rental Vehicle Excess

Exploring your cruise destination at your own pace? Whether you’re hiring a car for a road trip or exploring the local towns during you on-shore excursion, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^ 

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.^ 

The rental vehicle excess benefit applies to a: 

  • Sedan, hatchback, or station wagon,    
  • Four-wheel drive or minibus/people mover, or   
  • Campervan or motorhome (up to 4.5 tonnes),  

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^ 

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.  

van parked near the ocean
Specified High Value Items

Specified High Value Items

Travelling on a cruise with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^ 

Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover. 

  • Phone 
  • Laptop 
  • Camera

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects. 

person typing on laptop
Cover for Snow Sports

Cover for Snow Sports

Pairing a winter cruise with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing and Snowboarding’ during your quote application. This may give you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or accidental damage to snow sports equipment,
  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip,
  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and
  • the cost of transport and lift passes at an alternate ski resort,

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy. ^

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

person skiing in the snow
Cover for Adventure Activities

Cover for Adventure Activities

Got a big adventure planned during your on-shore cruise excursion? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.^ 

Examples of some activities that require the Adventure Pack include: 

  • Abseiling 
  • Outdoor rock climbing 
  • Quad biking 
  • Tandem parachuting and tandem skydiving 
  • Sailing from 10 -15 nautical miles off any land mass  
  • Scuba diving up to a depth of 30 m 
  • Water skiing, jet skiing, and speedboating 

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs. 

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy. ^ 

For more details, visit our page on travel insurance for adventure activities. 

two women preparing for tandem skydiving

What Types of Cruises Can Be Covered?

Fast Cover can provide cruise travel insurance for Australian domestic cruises and international cruises.

Australian Domestic Cruises

Australian Domestic Cruises

You must select Cruise cover for your policy to include cover for claims related to travel on a cruise ship or arising whilst on a cruise ship for 1 night or more in Australian waters. At Fast Cover, we distinguish domestic cruise ships depending on the number of passengers as follows:

Small Cruise Ships

Cover is available for domestic cruises on small cruise ships that take you along the Australian coastline and can explore seas and bays.

You will need to choose ‘small ship’ if you are travelling on a ship with 200 passengers or less.

Large Cruise Ships

Cover is available for Australian cruises in the sea or ocean on large ship cruises that take you out into the sea or ocean from 1 night or more to several weeks or even months. 

You will need to choose ‘large ship’ if you are travelling on a ship with over 200 passengers.

If you are travelling on a day cruise in domestic waters, or on a river cruise, you do not need to add cruise cover to your travel insurance policy.

International Cruises

International Cruises

Cover is also available for international cruises and can be added to our Comprehensive, Standard Saver, and Basics policies. Cruise cover is already included in our Frequent Traveller Saver policies, so additional cover does not need to be added. 

You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship: 

  • within New Zealand or the South Pacific Region for 1 night or more, or 
  • within Asia, Europe, or Worldwide Regions for 4 nights or more. 

Please note that if you also answer ‘Yes’ to ‘Skiing or Snowboarding?’ for international destinations during your policy application, you will be given the option to select our Snow Sports Plus policy which will also include cruise cover if you answered ‘Yes’ to ‘Going on a Cruise?’.

You will not need to include cruise cover if you are taking an inland river cruise or a day cruise and will not be sleeping on the boat.

What Cruise Destinations are Covered?

What Cruise Destinations are Covered?

Fast Cover provides travel insurance for cruises for many popular cruise destinations.

Australia

Cruising within Australian water for 1 night or more is covered under our domestic cruise travel insurance policy. For example, cruising from Melbourne to Hobart, or along the Kimberly coast.

New Zealand 

So close and so amazing! Cruising to New Zealand’s north and south islands offers a plethora of unique experiences and breath-taking scenery that are difficult to find elsewhere.

Asia 

Embrace the rich culture and natural wonders of Asia’s popular cruising destinations including Singapore, Malaysia, Thailand, Vietnam, Indonesia and Bali, Japan, the Philippines and even Cambodia.

Europe

From historic landmarks and world class beaches to unique dining experiences and cultural attractions, cruising around Europe and the Mediterranean is a once in a lifetime adventure. Think cruising between the Croatian or Greek islands, the French Riviera, and the Italian coast.

Middle East and Africa 

Perfect for adventure seekers and history buffs, Middle East cruising is all about exploring the wonders of the Arabian Gulf and African coast from Egypt to Mauritius.

South Pacific 

Complete with otherworldly natural landscapes and waters showcasing the deepest and clearest blue waters, South Pacific cruising is a popular destination for Australian travellers, from Fiji and Vanuatu to New Caledonia and Samoa.

Note: We are unable to offer travel insurance for cruising to every overseas country. To check which countries may be covered, enter your destination country in the quote.

How to Add Cruise Cover to Your Travel Insurance Policy

If you wish to be covered for a cruise, you may be able to apply to include cover. Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:

Enter Your Travel Details

Enter all the destinations or regions you will be travelling to and add your travel dates. 

Select Who Needs Cover

Are you travelling solo, with a companion or with your family? Add all travellers to your policy.  

Going on a Cruise?

Answer ‘Yes’ to ‘Going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 passengers) or a large ship (over 200 passengers).

You will need to choose from our international policy options provided during policy application. Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.

Does Travel Insurance Cover Medical Expenses on Domestic Cruises?

Customers travelling on domestic cruise ships within Australian waters will not be offered the option to choose a Domestic Plus policy. They will need to choose from our international policy options provided during policy application. The reason for this is often customers who will be cruising within Australian waters will need cover for medical related expenses on board a cruise ship which is only provided under our international policies.

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

Covered: For cruises with a doctor on board the cruise ship, your cover is extended for some medical expenses incurred whilst on-board the cruise ship if you are injured or become sick.

Not Covered: There’s no medical cover for domestic cruises (such as out-of-pocket expenses including gap payments) where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation. We will not pay for any medical expenses or medical transportation which is provided on land in Australia.

Overseas Medical Evacuation and Repatriation Expenses

Overseas Medical Evacuation and Repatriation Expenses

While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations, and in an emergency, you may need to be evacuated off the ship and back onto land, so that you can be transported to a hospital for treatment. 

Covered: If you are travelling on a cruise ship within Australian waters (including a remote area within Australia, but not a remote area on land within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick.

Important Information on Arranging Evacuation

Important Information on Arranging Evacuation

If you require medical evacuation, you MUST contact our Emergency Assistance Team or the Australian Maritime Safety Authority (AMSA) to arrange the evacuation:

Fast Cover Emergency Assistance Team Australian Maritime Safety Authority
In Australia: 02 8320 7999 In Australia: 1800 641 792
From Overseas: +61 2 8320 7999 From Overseas: +61 2 6230 6811

A helicopter or seaplane company should NOT be contacted directly prior to speaking to Fast Cover Emergency Assistance or AMSA. Failure to do so may result in your claim being unpaid. ^

Will Medicare Cover Me on a Cruise in Australian Waters?

For Cruise Ships With an On-Board Doctor

For Cruise Ships With an On-Board Doctor

Many Australian travellers mistakenly believe that they’re automatically covered by Medicare if they’re cruising in Australian waters.   

However, Medicare benefits may not apply on your cruise even if in domestic Australian waters unless there’s a Medicare-accessible doctor on-board the cruise ship, which may be unlikely, as the large cruise lines aren’t usually owned by an Australian company. The Australian Government won't pay for your The Australian Government won't pay for your medical expenses overseas or medical evacuation costs.

So, if a sickness or injury occurs on the cruise ship and requires medical attention, many people are surprised to find they could be charged at private rates. That’s why when taking a cruise which has a doctor on-board, you’ll find that many travellers arrange cruise travel insurance so that cover is available for their on-board medical expenses, the cost of emergency medical evacuation from the cruise ship by helicopter to the mainland and when overseas, their medical expenses.   

For Cruise Ships Without an On-Board Doctor

For Cruise Ships Without an On-Board Doctor

Taking out an international travel insurance policy with cruise cover for a cruise in Australian waters gives you the advantage of overseas emergency medical benefits including:

  • Overseas 24/7 emergency medical assistance
  • Overseas emergency medical and hospital expenses
  • Overseas emergency medical evacuation and repatriation

You'll also be able to access Australian medical facilities. If you become seriously sick or injured during your cruise and medical treatment is not available on-board the cruise ship, cover is extended to allow for you to be evacuated to a location where Australian emergency services (including an ambulance or Royal Flying Doctor Service) can pick you up and transfer you to an for treatment if you are injured or become sick.

Important Information

Important Information

In circumstances where you become unexpectedly injured or sick and require medical evacuation or repatriation to Australia, you may be able to use your Medicare card and your private health insurance to cover the medical expenses from the time you’re transferred to the ambulance or Royal Flying Doctor Service.

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them during your trip overseas. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions. 

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered. 

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy. 

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Insurance Cover Options for your Cruise Holiday

At Fast Cover, we have a range of coverage options available for your cruise holiday. Keep in mind that you will only be able to choose from our International policy options even if you are going on a domestic cruise within Australia. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income on and off the cruise ship. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects in case things don’t go to plan on your cruise. ^

Basic (Medical Only) Travel Insurance

Our Basics Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. Keep in mind, any medical expenses or medical transportation provided on land in Australia are not covered as they are generally covered by Medicare or private health insurance. ^

More Than One Cruise? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you plan on taking multiple cruise trips throughout the year, you can get a quote for a Frequent Traveller Saver Policy which automatically provides cover for cruises. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. ^

Who Can Get Cruise Travel Insurance?

Whether it’s your first time cruising or you’re a seasoned cruise goer, Fast Cover’s cruise travel insurance is designed to provide cover for a wide range of Aussies going on cruise holidays including:

Seniors

Seniors

Cruises are popular holidays for seniors and retirees so consider making cruise travel insurance a priority to ensure you have some protection in case you need emergency medical evacuation or repatriation. ^

Single Travellers

Single Travellers

Travelling alone or with your children? Our Single cruise travel insurance policy provides cover for you and your children and grandchildren travelling with you, of whom you are the legal guardian, are not in full time employment, aged under 20 and travelling with you for 100% of the trip itinerary (dependants). ^

Couples

Couples

Whether using European waters as the perfect backdrop for a proposal or boarding a smaller cruise on Australian waters for a break from reality, Fast Cover’s Duo cruise travel insurance can provide cover for you and another person including your spouse or companion travelling on the same itinerary for at least 75% of the trip who is listed on the certificate of insurance. ^

Families

Families

The whole family can have cover whether you’re cruising in international waters or exploring the coastline of Australia. Cruise cover is available for you and your spouse or partner or son and daughter who are travelling together for at least 75% of the trip itinerary, and dependant children or grandchildren. ^

Ready for Your Next Cruise Adventure?

Planning a cruise holiday? Get a travel insurance quote for your cruise destination and compare the benefits for your next cruise holiday.

Do I Need Travel Insurance for a Cruise?

Whether you plan to go on a cruise in Australia or overseas, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Cruise travel insurance can help better prepare you to deal with unexpected and unforeseen situations that could impact your cruise holiday should the unexpected happen. 

Here are some situations to consider when deciding if you need travel insurance for cruising and whether your travel insurance policy can provide cover for these situations on your next trip to the snow: 

Non-Refundable Expenses from Cancelling Your Trip

Non-Refundable Expenses from Cancelling Your Trip

Becoming unexpectedly sick or injured could force you to cancel your cruise trip. Rescheduling a cancelled cruise holiday and dealing with lost deposits and non-refundable cruise tickets, flights and accommodation can become stressful and expensive. Consider if your cruise travel insurance can provide cover for trip cancellation expenses.

Cancellation Cover for Existing Medical Conditions

Cancellation Cover for Existing Medical Conditions

If you need to cancel your cruise holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your cruise travel insurance can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition. 

Extra Expenses Due to Travel Delays

Extra Expenses Due to Travel Delays

Bad weather and carrier operational issues could cause delays and mean you might have to spend extra money on food and accommodation while you wait for new transport to get to your destination or cruise. Consider if your cruise travel insurance can provide cover for travel delay expenses such as additional meals and accommodation. 

Getting to Special Events on Time

Getting to Special Events on Time

If your scheduled transport to your cruise or on-shore tour package is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.

 

These are only some of the situations that you might wish to consider when deciding if you need cruise travel insurance.  

Before you decide whether you need cruise travel insurance for your trip, you should read the PDS to check what our travel insurance will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Where is Your Next Cruise Trip?

Discover travel insurance for your next cruise destination from tropical Bali, to the magical waters of the South Pacific and the picturesque seas surrounding Europe.
 
 
 
 
 
 
 
 
 
 
 
 

What is the Best Cruise Travel Insurance?

The best cruise travel insurance can be considered as a policy that provides cover for the type of trip that you’re taking. When looking for the best cruise travel insurance, it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do during your on-shore excursions, who you are travelling with and other considerations and situations that apply to you and your trip.  

Here are some examples of things you may wish to consider when reviewing the best cruise travel insurance that may also help you compare cruise travel insurance policies to help you decide which policy is right for you: 

Consider How You Will Get Around Your Cruise Destination

Consider How You Will Get Around Your Cruise Destination

Will you be renting a vehicle during your on-shore excursions?

You may wish to check whether the cruise travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.

Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.

Consider the Activities You Will Be Doing

Consider the Activities You Will Be Doing

Are you planning to do any adventurous activities while visiting cruise destinations?

You may wish to check whether the cruise travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.  

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked your cruise tickets, any tours, accommodation or flights? 

You may wish to consider whether the cruise travel insurance policy includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.  

Consider Who You Will Be Travelling With on Your Cruise

Consider Who You Will Be Travelling With on Your Cruise

Are you planning a solo adventure, a family cruise during the school holidays, or perhaps a romantic cruise getaway in your golden years?

You may wish to check whether the cruise travel insurance policy provides cover for singles, couples and families. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.  

These are just some of the considerations that you might wish to consider when reviewing the best cruise travel insurance, so you know what cover is available to you before and during your cruise holiday and under what conditions. 

Before you decide on the best cruise travel insurance for your trip, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Multi Award-Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Winner Outstanding Value

2024 Canstar Outstanding Value Award for Seniors Travel Insurance†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

The Benefits of Cruise Travel Insurance

Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare our travel insurance policies below.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


Medical Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental^

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

Permanent Disability of a Dependant (per Dependant)

 $5,000 $5,000 $5,000

Loss of Income^

sub-limits:

 ––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

 $400 $400 $400

Financial Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

 $2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability~

 $1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses

sub-limits:

 ––– $50,000 $30,000 $50,000 $50,000 $50,000

Close Relatives with a Pre-existing Medical Condition

 $2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

 $1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

 $750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

 ––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess#~

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $750 $750 $750

Theft of Cash^~

 ––– ––– ––– $250 $250 $250

Snow Sports Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

 ––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

 ––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

 ––– $750 ––– ––– $750 –––

Snow Resort Closure~

sub-limits:

 ––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

 $100 $100

COVID-19 Benefits

 Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

What is Not Covered in our Cruise Travel Insurance?

It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance. 

Below are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

Missed Ports

Missed Ports

Sometimes it happens - severe 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

Cabin Confinement

Unfortunately, if you're confined to your cabin because there's a viral outbreak on-board your cruise ship, the policy does not provide 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, and also for any shore excursions that you’ve already paid for, and are now not able to participate in.

Unsupervised Belongings

Unsupervised Belongings

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you rake a swim on the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.

You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you, or keep them locked up in your cabin.

Disappointing Cruise

Disappointing Cruise

Perhaps the weather was disappointing or the events and onshore excursions on the cruise itinerary didn’t live up to your expectations. Whatever the reason you’re unhappy with how your cruise holiday has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time.

If you become injured while breaking the law

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.  

Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas. 

If you are intoxicated or have taken illicit drugs or prohibited substances

If you are intoxicated or have taken illicit drugs or prohibited substances

Whilst it may not be illegal to have a drink overseas or while on a cruise, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws, and the cruise line’s code of conduct. Keep in mind that alcohol consumption in certain situations might result in certain exclusions being likely applied to your travel insurance policy. As an example, if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.  

Certain drugs are illegal in some countries, and you may not be covered by your international travel insurance policy when you’ve consumed drugs or been involved in drug related activities.

If you do an activity that isn’t covered by your policy

If you do an activity that isn’t covered by your policy

If you’re injured in an accident while, for example, riding a motorcycle, moped or scooter while on an on-shore cruise excursion, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.  

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas and within Australia.

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase. 

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website. 

Known events

Known events

Known events can be considered as serious situations from natural disasters like earthquakes and volcanic eruptions to disease outbreaks which can affect your holiday plans and also the cover on your overseas travel insurance policy. 
 
If you buy your international travel insurance after an event is known, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy. 

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Why Choose Fast Cover for your Cruise?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6
From over 2,527 reviews°
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4.6
From over 2,274 reviews°
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What Our Travellers Are Saying

How Can We Help, Mate?

Fast Cover’s Aussie based Emergency Assistance team are available to provide support when you need it, wherever you are, under applicable terms and conditions. ^

Overseas 24/7 Emergency Assistance

Emergency Assistance Team: +61 2 8320 7999

Emergency Consular Services

Travel Alerts and Advisories

Fast Cover Travel Alerts

Official Smartraveller Government Website

Travel Advisories Explained

Customer Service

Customer Service: +61 2 8215 7239

9am-5pm AEST Monday - Saturday

Manage Your Policy

Login to Update Policy Details

Find a Policy Document

Make a Claim Online

FAQs about Cruise Travel Insurance

Cruise cover extends the benefits of our normal policies which provide cover for air and land trips, to include cover while you are on a cruise ship. This means that a cruise travel insurance policy can provide cover for the land, sea and air portions of your trip.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

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 it is important to consider travel insurance for cruising. And that's also why a cruise travel insurance policy may cost a little more, as it provides you with certain cover for evacuation off the ship to an overseas hospital, or repatriation back to Australia for treatment.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The benefits that are frequently looked for in cruise travel insurance, for example, often include cover for:  

  • Cancellation costs if you have to unexpectedly cancel your trip due to reasons covered under the policy for example unexpected sickness or injury,  
  • Evacuation and repatriation if you are unexpectedly seriously sick or injured on your cruise,  
  • Disruptions to your trip including natural disasters and severe weather, and  
  • Lost or damaged luggage.  

You should also consider the type of trip you're taking, and your particular situation, including:  

  • If you're pregnant and considering going on a babymoon cruise, you should check our Pregnancy Travel Insurance Guide to see if you can be covered for the stage of pregnancy you're in.  
  • If you're intending to do adventure activities such as scuba diving to 30m, tandem skydiving, or quad biking, you should check to see if the activity is covered or if you need to add the Adventure Pack to your policy for the activity to be covered.  

Consider the PDS and TMD at Fastcover.com.au prior to deciding whether this policy is right for you, as policy terms, conditions, exclusions and limits apply. 

We consider a ‘cruise ship’ to be a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that you are travelling in).  

You must specify Cruise cover at time of purchase if you will be travelling on a cruise ship and you are cruising in:  

  • Australian waters, the New Zealand or the South Pacific Region for 1 night or more, or  
  • Asia, Europe or Worldwide Regions for 4 nights or more.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Customers will need to specify ‘cruise’ during their application, if the cruise ship that they are going on, satisfies our:  

  1. Definition of a cruise ship: a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that you are travelling in).  
  2. Requirements regarding the number of nights you will be sleeping on the cruise ship.  

For travel in Australia (Domestic), New Zealand and the South Pacific Regions:  

  • If you are sleeping on the cruise ship for one or more nights, you will need to purchase Cruise cover.   

For travel in the Asia, Europe or Worldwide Regions:  

  • If travelling in the Asia, Europe or Worldwide Regions and you are sleeping on the cruise ship for four or more nights, you will need to purchase the Cruise cover.  

Example 1: if you will be cruising for 7 days around the Greek Islands, Croatia or Ha Long Bay, you must answer 'Yes' to Cruise and pay the additional premium to have cover for this type of cruise.  

Example 2: If you will only be cruising around the Greek Islands, Croatia or Ha Long Bay for 3 nights or less, you should answer 'No' to the cruise question, as this is covered under our non-cruise policies.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

Cruise cover is not needed for the following types of cruises or trips. You can answer 'No' when asked if you are going on a cruise for the following types of cruising:  

  • Day trip on a cruise ship and you are not sleeping on the ship. For example, a short day cruise on a bay, such as Ha Long Bay in Vietnam.  
  • Taking a river cruise along a river such as the Danube or Seine   
  • Two separate 3-day cruises in the Asia, Europe or Worldwide regions (unless the cruises are back-to-back in which case you will need to choose cruise cover).  
  • Sailing on a yacht (see the Sailing FAQ for further terms and conditions that apply).  
  • Catching a ferry between islands and you are not sleeping on the ferry. For example, island hopping on a small boat that is not a cruise ship or taking a short one-hour ferry ride to an island.  
  • Cruising on a house-boat where the boat that you are on does not satisfy our definition of a cruise ship (see the Sailing FAQ for further terms and conditions that apply).  Activities on house-boat may be considered as sailing. Sailing (including on a house-boat) up to 10 nautical miles off any land mass is covered under our list of covered sports and leisure activities. However, sailing (including on a house-boat) from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing) requires the Adventure Pack to be added to your policy for an additional premium. Please note the Adventure Pack is available for travellers aged 74 years and under at the date of policy issue. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Only our Frequent Traveller Saver policies automatically include cover for cruising.  

Note: It is not possible to remove cruise cover from your Frequent Traveller Saver policy.  

If you are not taking out a Frequent Traveller Saver policy, you must answer 'Yes' when asked if you are going on a cruise when you get your quote, otherwise you will not have cover under any benefits for events related to your cruise.  

Important note: You will not need to add ‘cruise cover’ to your policy if you are cruising within Australian waters, the New Zealand or the South Pacific Region for a day trip, within Asia, Europe or Worldwide Regions for less than 4 nights or travelling on a river cruise.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

If you don’t have a cruise travel insurance policy, and you decide to go on a cruise – you can contact us to add cruise cover to your policy for an additional premium. Please note that for your cruise cover to be valid, you must add cruise cover to your policy BEFORE you board your cruise.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

You may need to take out Cruise cover if you will be sleeping on the cruise ship for one night or more.  Even though your cruise may never leave Australian waters, or even the coastline, a cruise travel insurance policy may prove invaluable if something does go wrong on your cruise.  This can include cover for trip cancellation expenses where you may need to cancel your Australian cruise before departure due to an unexpected illness or injury, cover for certain medical expenses incurred whilst on-board the cruise ship if you are injured or become sick (that are not covered by Medicare or private health insurance), cover for emergency medical evacuation if you are seriously sick or injured on your cruise, and stolen luggage.     

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

If you will be cruising in Australian waters or coastline, choose ‘Australia’ or ‘Australia (domestic)’ and select 'Yes' when asked if you are going on a cruise.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

You may  need to list all the countries you are travelling to, or alternatively, choose one of the regions that includes the countries you are travelling to. Check our travel insurance guide on regions for the further information including a list of countries covered in each region.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

The level of cover that you have depends on the type of cruise ship you are going on, and the policy you have chosen for your trip, and can include cover for:   

  • Cancellation expenses due to unexpected and unforeseen circumstances   
  • Onboard medical expenses (for Australian cruises with a medical practitioner and medical facility onboard that is not covered by Medicare or private health insurance)   
  • Transfer to medical transport to convey you to a hospital   
  • Lost, stolen or accidentally damaged luggage   
  • Travel delay expenses   
  • Special event transport expenses   
  • Theft of cash from your person while you are on the cruise ship itself. There is no cover for cash not on your person at the time they were stolen and not locked secured in a safe.    

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.    

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Depending on the type of domestic cruise you are going on, you may be able to purchase our Basics travel insurance policy which provides you with certain medical, evacuation and repatriation cover.  

If you have a medical condition, check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply.   

However, 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 other 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.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.   

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs. 

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

There are many considerations in the cost of travel insurance for cruising, including but not limited to:  

  • 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 increase the cover for your valuable items, and  
  • 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 the options available to you.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.   

Please note: any advice is general advice only and has not taken into account your individual objectives, financial situation or needs.

If you have a Comprehensive, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy, you may be able to claim for:   

  • Special event transport expenses to get you to the cruise on time.  
  • Travel delay expenses up to $200 for each traveller (excluding dependants) if the delay is for at least 6 hours from the time the carrier was scheduled to depart.  
  • Trip disruption expenses for any additional travel, accommodation and meal expenses you incur to get to your cruise and is covered under the policy;  

If you have a Standard Saver policy, you may be able to claim for:  

  • Trip disruption expenses for any additional travel, accommodation and meal expenses you incur to get to your cruise and is covered under the policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.   

If you make a claim, we will fully assess it in accordance with your policy and certificate of insurance. As everyone's circumstances, are different and we will assess each claim on a case-by-case basis.

If you’re combining a land tour or side trip with your cruise, our travel insurance for cruises can provide certain cover for that part of your trip too! For example, if you go on a cruise trip, take an on-shore excursion and then a 3-day train journey, we can provide you with cover for both the land and sea portions of your trip on the one cruise travel insurance policy. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

If you’re taking multiple cruise holidays, you may have the option of purchasing a Frequent Traveller Saver travel insurance policy. This policy automatically includes cover for cruises, and you can go on as many cruise trips as you like within a12-monthperiod up to a specified number of days for each trip (ranging from 15, 25, 50 or 63 days) based on the options available under the policy at the time of purchase. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Cruise Travel Hub

Discover travel resources, advice and tips for your next cruise holiday.

sun chairs on cruise ship pool deck

Cruise Health And Safety Guide

We’ve compiled the ultimate guide for cruise goers, filled with tips for staying safe and healthy while on your cruise. ~
Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.    

† Fast Cover has a referral arrangement with this company. Awards are only one factor to be taken into account when deciding whether this product is right for you. Check Product Review, Canstar and Finder for current awards.   

# We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the Policy (e.g. you have not made a claim or used your policy to obtain a visa). You have a full 25 days from the purchase date of the Policy (as set out in the Certificate of insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance Policy and in accordance with our regulatory obligations. This is known as the “cooling off” period. During this time, you may cancel the Policy simply by contacting us and we will give you a full refund. If you decide to cancel your policy outside of this cooling off period, you may be eligible for a partial refund as described in PDS.  

° Ratings are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25. Check Product Review and Google for current ratings.