Cruise Travel Insurance FAQs

Answers shown refer to policies purchased on or after 21st May 17. For policies purchased prior, they are a guide only and you must read the PDS for exact wording.

  1. When I board a cruise, I'm required to leave my luggage with the porters for it to be taken to my room and before I disembark I need to leave my luggage outside my room overnight for the porters to collect. Can I claim if my luggage is lost or stolen in this instance as technically, I have left my luggage unattended during those times?

    Yes, you can claim if your luggage gets lost or stolen. You will need to obtain documentation from your cruise company to confirm that your luggage was lost or stolen.

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  2. Is travel on a yacht covered and do I need a Cruise policy?

    Yes, as long as the yacht (not motorised) or catamaran does not travel more than 10 nautical miles from land, if you purchase the Adventure Pack the distance extends up to 15 nautical miles from land. You only require a Cruise policy if you are travelling on a cruise vessel travelling on open sea or ocean, not a sailing yacht.

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  3. Am I covered if I am on a cruise and I get an injection for sea sickness?

    If you become sick while on your trip and a doctor proscribes the sea sickness injection as treatment, the policy offers cover for this. If you're not sick and get the sea sickness injection as a precaution this is NOT covered.

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  4. I am going on a Kimberley Expedition cruise, what am I covered for?

    If you will be going on a Kimberly cruise, you can be covered for:
    1) Cancellations for unexpected and unforeseen cancellations.
    2) Transfer to medical transport. If you require medical evacuation, there is only cover for any necessary private transport (such as a tourist helicopter) to transfer you to medical transport. There is no cover for medical costs in Australia, including air ambulance (plane or helicopter), the Royal Flying Doctor Service or road ambulance as the cruise is a domestic cruise.
    3) Luggage and Personal Effects. You are covered up to $5000 for a Standard policy and up to $10,000 for a Comprehensive and Frequent Traveller Saver policy.
    4) Travel Delay Expenses up to $2000 if you are covered under our Comprehensive policies.
    5) Alternative Transport Expenses up to $5000 if you are covered under our Comprehensive policies.
    6) Theft of cash from your person while you are on the boat itself (if you are covered under our Comprehensive policies). There is no cover for cash not on your person at the time they were stolen and not locked secured in a safe.

    Please note that there is no cover for for expenses incurred if your Luggage and Personal Effects are delayed or for Passport, Credit Cards & Credit Card Fraud, as the cruise is a domestic cruise.

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  5. I'm only going on a cruise around Australia, do I still need a Cruise policy?

    Yes, even though your cruise may never leave Australian Waters, most cruise ships are staffed with non-Medicare registered doctors, who charge overseas (mainly US Dollars) prices. As you can imagine, these costs can quickly rise. Even if you are only cruising around Australia, ensure you add on the Cruise option to ensure any on-board medical expenses are covered.

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  6. I'm going on a river cruise, do I need a Cruise policy?

    No, you will not need a Cruise policy. You only need a cruise policy if you are cruising in open waters on the sea or ocean.

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  7. I'm catching a ferry between islands, do I need a cruise policy?

    If travelling in the Domestic, New Zealand and Pacific Regions and you are sleeping on the ferry for one or more nights, you will need to purchase Cruise cover. If travelling in the Asia, Europe or Worldwide Regions and you are sleeping on the ferry for four or more nights, you will need to purchase the Cruise cover.

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  8. Does my policy cover cruising?

    To be covered for cruising, you must answer 'Yes' when asked if you are going on a Cruise, even if your cruise is only a part of your whole holiday. Your policy will then cover you for both the land and sea portions of your trip.

    If you will only be taking a river cruise, you can answer 'No' when asked if you are going on a cruise. Cover for river cruising is automatically covered under your policy.

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  9. Am I covered under a Cruise policy if I sail for 7 nights on a 'Tall Ship'?

    No, a cruise policy will NOT cover you if you are not travelling on a cruise ship.

    1) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) further than 15 nm from a land mass, our policies do NOT cover you should something go wrong on the boat whether or not you have a cruise policy. You will need to find a specialised insurance provider for such trips.

    2) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) between 11 - 15 nm from a land mass, you need to take out the Adventure Pack to be covered.

    3) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) less than 10 nm from a land mass, our policies will automatically cover you.

    Cover is subject to the policy terms, conditions, limits and exclusions.

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  10. I'm going on a day cruise, do I need a cruise policy?

    If you will not be sleeping on the boat, and will just be on the boat for a day trip, you will not need a cruise policy.

    If you will be travelling in the Domestic, New Zealand and Pacific Regions and you are sleeping on the ferry for one or more nights, you will need to purchase Cruise cover. If you will be travelling in the Asia, Europe or Worldwide Regions and you are sleeping on the ferry for four or more nights, you will need to purchase the Cruise cover.

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  11. Am I covered if I take a cruise around the Greek islands?

    You would need to take out a cruise policy if you will be on the cruise for 4 nights or more and you will be in open waters, on the sea or ocean.

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  12. How do you define a river cruise?

    A river cruise is defined as a cruise where there are no onboard medical facilities and you are not travelling in the open water.

    If you are cruising in the Greek Islands, you are considered to be in open waters so you would need a cruise policy if you will be sleeping on the cruise ship for more than 4 nights.

    If you will be taking a European river cruise, this would not be considered cruising in open waters, so you would not require a cruise plicy.

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