Tokio Marine & Nichido Fire Insurance Co Ltd is the issuer of RACV Travel Insurance. View the 'RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.

Important things to know about RACV travel insurance for cruises

Australians love to cruise. A whopping 1.3 million Aussies boarded a cruise in 2017 and we’re expected to break through the 2 million mark by 2020. This places us as the second fastest growing cruising country in the world.1

Cruising can be a spectacular way to see the world or even just explore your own country in new, exciting ways. Whether you’re voyaging through the crystal-clear waters of the South Pacific, meandering through the Mediterranean or exploring Australia’s West Coast, cruise holidays can offer everything from total relaxation to action-packed adventure.

However, before you set sail into the sunset, you should consider whether you need travel insurance. If so, you should make sure you have the right travel insurance that covers you for cruises.

International cruise travel insurance

By taking out an international travel insurance policies, you’re covered for cruises.

This policy protects your possessions on board, provides cancellation cover if the unexpected happens and covers reasonable overseas medical expenses and medical evacuation. Most importantly, though, it gives you added peace of mind, so that you can enjoy your trip.

What does international travel insurance cover?

front view of cruise ship sailing on the ocean

Depending on the type of cover chosen, our international travel insurance can cover:

  • Overseas medical expenses and medical evacuation
  • Cancellations (not available with Travel Care plans)
  • Luggage (sub-limits apply for all items, and sets and pairs (including accessories are treated as one item))
  • 24-hour emergency assistance
  • Emergency expenses overseas
  • A number of pre-existing medical conditions and certain stages and conditions of pregnancy

These coverage benefits are subject to terms and conditions, limits (including sub-limits and exclusions. For a comprehensive list of these, click here.

In particular, the policy does not cover all medical conditions or all stages and conditions of pregnancy. You must declare such conditions to the insurer, and they will determine whether to provide cover for that condition, and any applicable premium for that cover. Some medical conditions and certain stages or conditions of pregnancy are not covered, while some will require a medical assessment before cover is offered, and some will not be covered at all. Further, cover is not provided for travel to any country or region which is the subject of a 'Do not travel' advisory issued by DFAT prior to you purchasing your policy. Certain activities are not covered (including skiing and snowboarding, unless a Ski and Winter Sports optional add on is purchased) or not covered under certain conditions.

International cruise coverage

We offer a great range of premium international travel insurance policies which automatically provide cover for cruises, providing you with added protection and insurance cover for many holiday destinations.

Our travel insurance policies:

  • Total Travel Care – For a more comprehensive cover including unlimited cancellation fees and lost deposits (sub-limits may apply^), unlimited reasonable overseas medical and hospital expenses and unlimited emergency overseas dental expenses (sub-limits apply#). 
  • Extra Travel Care – Enjoy great inclusions such as cover for cancellation fees and lost deposits (sub-limits may apply^), travel delay (daily limits apply), emergency overseas dental expenses (sub-limits apply#) and unlimited reasonable overseas medical and hospital expenses.
  • Travel Care – Includes our key benefits such as reasonable emergency expenses and lost luggage (sub-limits apply&), emergency overseas dental expenses (sub-limits apply#) and unlimited reasonable overseas medical and hospital expenses.
  • Annual-Multi Trip Plan  If you are planning on going away more than once over the next 12-months, our multi-trip plan provides more comprehensive cover for an unlimited number of trips over a year.

#A sub-limit of $500 applies for necessary emergency overseas dental costs for the relief of sudden and acute pain.
^Claims relating to cancellation of annual leave are excluded, except for emergency services personnel who can be covered where their employer cancels their annual leave so they can attend to an unexpected emergency or where they are required to be relocated overseas unexpectedly.  In which case, sub-limits for this benefit apply, which vary depending on the policy taken out.
&Lost luggage: sub-limits apply to all items, and pairs and sets (including accessories) are treated as one item.
Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of these policies and the different benefits. Please read the 'RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.

All RACV Members are also rewarded with 15% off your international policy.

Australian Cruise Travel Insurance

cruise ship sailing alond a stretch of water at dusk


If you’ve booked a cruise that’s only travelling around Australia and isn’t leaving Australian waters, you probably think that you won’t need travel insurance.

However, it’s important to consider travel insurance when cruising around Australia, as it can provide cover for cancellation fees and lost or delayed luggage as well as providing medical coverage while at sea. Our international travel insurance policies include coverage for cruises in Australian waters.

What is covered?

Depending on the type of cover chosen, our travel insurance policies may provide the following cover:

  • Medical expenses and medical evacuation while on board the ship, from medical providers on board who are not registered with Medicare  (Medicare or your private health insurer may cover you if you seek medical treatment on land, whilst the ship is in port),
  • Lost or delayed luggage (sub-limits apply for the loss of specific items),
  • Cancellation fees,
  • Lost deposits,
  • Emergency expenses, 
  • And so much more.

This cover provided by our policies is subject to terms and conditions, limits (including sub-limits) and exclusions. For a comprehensive list of these and all the policy benefits on our Australian Cruise coverage, as well as policy options and add-ons, click here.

Australian Cruise Travel Insurance policies

RACV has a number of Travel Insurance options to choose from for those looking to take a cruise that is only travelling in Australian waters. Just remember to apply for an International plan or an Annual Multi-Trip plan and select “Australian Cruise” as your destination  – this ensures you have medical coverage on board the ship, where the medical providers are not registered with Medicare.

All RACV Members are also rewarded with 15% off their policy.

Insurance policies:

  1. Total Travel Care – for a more comprehensive cover which includes unlimited cancellation fees and lost deposits (sub-limits may apply^), unlimited reasonable overseas medical and hospital expenses and unlimited emergency overseas dental expenses (sub-limits apply#). 
  2. Extra Travel Care – Mid-range cover with great inclusions such as emergency overseas dental expenses (sub-limits apply#), cancellation fees and lost deposits and travel delay (daily limits apply) (subject to lower limits than Total Travel Care) and unlimited reasonable overseas medical and hospital expenses.
  3. Travel Care – Basic cover that includes key benefits like emergency overseas dental expenses (sub-limits apply#), reasonable emergency expenses and lost luggage (sub-limits apply&) (subject to lower limits than Total Travel Care and Extra Travel Care) and unlimited reasonable overseas medical and hospital
  4. Annual-Multi Trip Plan – Planning on going away a few times over the next year? Our multi-trip plan provides more comprehensive cover for an unlimited number of trips over 12-months.

#A sub-limit of $500 applies for necessary emergency overseas dental costs for the relief of sudden and acute pain.
^Claims relating to cancellation of annual leave are an exclusion, except for emergency services personnel who can be covered where their annual leave is cancelled by their employer so they can attend to an unexpected emergency or where they are required to be relocated overseas unexpectedly.  In which case, sub-limits for this benefit apply, which vary depending on the policy.
&Lost luggage: sub-limits apply to all items, and pairs and sets (including accessories) are treated as one item.
Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of these policies. Please read the 'RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.

When should you take out travel insurance?

Consider purchasing cover as soon as you pay for any part of your trip so that you’re covered in case you need to cancel due to unforeseen circumstances.

Luckily though, you can quickly and easily get travel insurance from us online, up-to right before you go. Even if you are at the airport ready to fly, there’s time to pack the added protection of RACV travel insurance for your trip.

References

  1. Annual Report 2016 - 2017 - Australian Cruise Association
  2. 2015 Australia Economic Impact Study -  Cruise Lines International Association 

Please note: The information included in this article by RACV is general in nature, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).

Choose from a comprehensive range of RACV Travel Insurance plans