Cover for river cruising is included with RACV Domestic or International Travel Insurance. 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.
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Explore travel insurance cover for international and Australian cruises. Limits, sub-limits and exclusions apply. Check the Product Disclosure Statement.
- 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.
We recommend checking with your cruise provider whether you need medical cover.
Find a full list of inclusions, limits, sub-limits and exclusions for all policies in the Product Disclosure Statement, or read the terms and conditions below.
Explore the benefits of cruise insurance
~ Terms and conditions apply. Vic residents only. Competition closes at 11.59PM (AEDT) on 31 October 2025. Draw will take place at 485 Bourke Street, Melbourne, VIC 3000 at 12.00PM (AEDT) on 3 November 2025. Winners will be published on the RACV competition webpage on 3 November 2025 and notified by phone and/or in writing. See full terms and conditions
** $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.
^ Daily limits apply.
# Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.
Frequently asked questions
International cruises
You can choose from 3 levels of International Travel Insurance:
- Basics
- Essentials
- Comprehensive.
Cruise cover is also available on Annual Multi Trip policies.
River cruising is already covered with all policies. Select the cruise option when you buy your policy to be covered for multi-night ocean cruises.
Australian cruises
If you're staying in Australian waters or ports, you may still need a policy with medical cover while on board, as some cruise ships are not registered with Medicare.
River cruising is included with all policies.Check with your cruise provider. If they recommend cover, select ’Australian Cruise’ as your country of destination to see your options.
You’ll be offered the international policy options and benefits, including cover for medical and evacuation benefit while at sea. No medical cover can be provided while in an Australian port.
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You have the flexibility to choose when you buy your cover.
You can choose to buy travel insurance as soon as you pay for any part of your trip. This means you're covered in case your trip is cancelled due to unforeseen circumstances.
You can also choose to get RACV Travel Insurance online right before you go. Even if you're just about to leave there's still time to pack an RACV Travel Insurance policy for your trip.
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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.
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Update your policy
If you’ve made a mistake with your policy, please contact us as soon as possible. We’ll review the details and update the policy 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
- don’t intend to make a claim.
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.
Call us on 13 13 29 or email us at care@racv.com.au to discuss changes or to cancel your policy.
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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.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.