Cruise Travel Insurance: everything you need to know

aerial view of cruise ship

Everything you need to know about cruise travel insurance

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 need to make sure you have the right travel insurance that covers you for cruises.

International cruise travel insurance

By taking out our international travel insurance policies, you’re covered with cruise travel insurance.

Our policy protects your possessions on board, provides cancellation cover if the unexpected happens and covers overseas medical expenses and medical evacuation. Most importantly, though, it gives you peace of mind, so that you can enjoy your trip without worrying about the ‘what ifs’.

What does internaitonal travel insurance cover?

  • Overseas medical expenses and medical evacuation
  • Cancellations
  • Luggage and personal items
  • 24-hour emergency assistance
  • Emergency expenses overseas
  • Pre-existing medical conditions and pregnancy

These coverage benefits are subject to terms, limits and exclusions. For a comprehensive list of what is and isn’t covered in our international travel insurance policies, click here.

International cruise travel insurance policies

We offer a great range of premium international travel insurance policies which automatically provides cruise insurance, providing you with the security and insurance cover you need wherever you are heading.

Our travel insurance policies:

  1. Total Travel Care – For a comprehensive cover including unlimited emergency expenses and dental.*
  2. Extra Travel Care – Enjoy great inclusions such as cover for cancellation fees and lost deposits, unlimited medical and hospital expenses and travel delay.
  3. Travel Care – Includes our key benefits such as unlimited overseas medical and hospital, emergency expenses and lost luggage.
  4. Annual-Multi Trip Plan  If you are planning on going away more than once over the next 12-months, our multi-trip plan provides comprehensive cover for an unlimited number of trips over a year.*

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

couple enjoying the view on a cruise

Australian Cruise Travel Insurance

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 that you have travel insurance when cruising around Australia as it provides cover for cancellation fees and lost or delayed luggage as well as providing medical coverage while at sea.

What is covered?

  • Medical expenses and medical evacuation while at sea (Medicare or your private health insurer will cover you while in port),
  • Lost or delayed luggage,
  • Cancellation fees,
  • Lost deposits,
  • Emergency expenses, 
  • And so much more.

For a comprehensive list of all the policy benefits on our Australian Cruise travel insurance policies, as well as policy options and add-ons, click here.

Australia 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 select “Australian Cruise” as your destination when applying for Australian cruise travel insurance with us – this ensures you have medical coverage while at sea. All RACV Members are also rewarded with 15% off your policy.

Our policies:

  1. Total Travel Care – Comprehensive cover which includes unlimited emergency expenses and dental.*
  2. Extra Travel Care – Mid-range cover with great inclusions such as lost deposits, unlimited medical and hospital expenses and travel delay.
  3. Travel Care – Basic cover that includes our key benefits like unlimited medical and hospital, emergency expenses and lost luggage.
  4. Annual-Multi Trip Plan – Planning on going away a few times over the next year? Our multi-trip plan provides comprehensive cover for an unlimited number of trips over 12-months.*

To learn more about our Australian cruise travel insurance policies, click here.

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 security 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 is general in nature, and does not take into account your particular circumstances. To ensure the right level of cover is obtained according to your needs and objectives, consult the PDS.

*Terms, limits and exclusions apply.

RACV Travel Insurance, choose from our comprehensive range of travel insurance plans

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