Cover for river cruising is included with RACV Domestic or International Travel Insurance.ǂǂ You don’t need to select the Cruise option when buying your policy.
Travel insurance for all types of cruises
Explore RACV Travel Insurance policies for international and Australian cruises with 15% off for RACV Members year-round.*
Still planning your holiday? Book with RACV and save on a range of cruises.
River cruises
Ocean cruises
Going on an ocean cruise for more than one night in Australia or overseas? You can add cruise cover to your policy.**
Compare cruise travel insurance
Explore travel insurance cover for international and Australian cruises.
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
- International
- Australian
Choose from 3 international policies with medical cover: Comprehensive, Essentials or Basics. You may need to pay an additional premium for cruise cover.**
When getting a quote include all countries you are travelling to. On the next page select ‘Yes’ to the cruise option under the ‘Choose your options’ section.
If you're going on a one-night ocean cruise in Australia and don't need medical cover, explore our Domestic travel insurance options.
For multi-night Australian cruises that require medical cover, select ‘Australian Cruise’ as your destination when getting a quote. You can choose from 3 international policies with medical cover: Comprehensive, Essentials or Basics. You may need to pay an additional premium for cruise cover**. Cruise cover is also available on Annual Multi Trip policies.
This option provides access to medical cover for onboard medical costs and evacuations, as some medical providers may not be registered with Medicare..
Explore the benefits of cruise insurance
Frequently asked questions
You can purchase travel insurance as early as you like. Depending on the policy you choose, some policies include cancellation cover that usually starts immediately after you purchase the policy. If you’ve already paid for part of your holiday, this could help cover you for unexpected cancellations or departure interruptions. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
About to head on a trip? No worries - you can take out an RACV Travel Insurance policy online, right before you go.
You won't be able to take out a policy if your trip has already started.
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RACV Travel Insurance covers 38 medical conditions automatically, provided you meet specific criteria.~
Check which medical conditions are covered
If you have a medical condition that isn’t automatically covered, you can apply for cover by completing a medical assessment. If accepted, you may need to pay an additional premium.
Refer to combined PDS/FSG for full information on medical conditions that are automatically covered.
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Update your policy
If you’ve made a mistake with your policy, please call as soon as possible so your details can be reviewed and updated, if possible.
Extend your policy
You can extend your policy at no extra cost if you experience a delay that’s covered by your policy. If you need to extend your policy for other reasons, you must apply for an extension before it expires. If your extension is approved you may need to pay an additional premium. The combined period of insurance cannot exceed 12 months. Refer to the Product Disclosure Statement for more details.
Cancel your policy
You have 21 days from the purchase date to decide if the policy suits your needs. If it doesn't, you can cancel within the "cooling-off period" for a full refund, provided you:
- haven't started your trip;
- haven’t made a claim; and
- don’t intend to make a claim or exercise any other rights under your policy.
You can also request your policy to be cancelled outside of the 21-day “cooling-off period”. You’ll need to meet the above criteria. Your request will be reviewed and is subject to approval.
You can call 13 13 29 or email care@racv.com.au to discuss changes or to cancel your policy.
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* RACV Member discount applies to the premium only (not applicable taxes).
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to combined PDS/FSG for full details.
** Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
~~ $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
ǂ Daily limits apply.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
Learn more about what's covered
Medical conditions and pregnancy
Find out if your medical condition is covered.
Travel alerts
RACV Travel Insurance won't cover you for destinations with a "Do Not Travel" status.
Check travel status before you plan and start your trip.
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.