Cruise Travel Insurance

Just like any holiday, things can and sometimes do go wrong on cruise trips – unforeseen and costly events that, without travel insurance to protect you, could ruin your relaxing time away.

It’s important to note that, once your ship leaves Australian shores – even if it’s cruising within Australian waters between two domestic ports – you’re not covered by either Medicare or your private health insurer.

Whether you’re going on a short cruise in Australian waters, an around-the-world ocean cruise or a river cruise in Europe or Asia, we’ve got you covered.

What’s covered

Depending on your level of cover, your benefits can include:

Cancellation of your trip: If you have to cancel your cruise due to unforeseen circumstances – such as an illness, accident or job loss – we’ll cover the cost of prepaid travel, accommodation, meals, tours, activities, and visas. Yes
Overseas medical and hospital expenses: Unlimited cover for your emergency medical and hospital expenses – on board the ship and, if necessary, at the nearest on-shore medical facility. We’ll also pay for your return to Australia earlier than planned, if this is medically necessary. Yes
Pre-existing medical conditions: Automatic cover for 27 pre-existing medical conditions. (If your pre-existing medical condition is not covered, rest assured that you would still be covered for any unforeseen medical expenses not related to your condition.) Yes
Luggage and personal effects: If your luggage or personal effects (e.g. formal wear, jewellery, mobile phone, prescription glasses, camera) get lost, stolen or damaged during your cruise, we’ll pay you up to $7,500. Yes
Rental vehicle insurance excess: If you hire a car on one of your shore excursions and it’s damaged or stolen, we’ll pay you up to $6,000 to cover the hire-car insurance excess. Yes
Travel documents, credit cards and travellers’ cheques: Cover for your lost or stolen passport, visas, credit cards, travel money cards and travellers’ cheques. Yes

Choose your cover

Select from four types of travel insurance for your international or Australian-waters cruise.

If you’re going on a cruise within Australian waters, you must select ‘Australian Waters’ under ‘Pacific’ as your destination and buy one of our international travel insurance policies: Comprehensive, Essential, Last Minute, or Annual Multi-Trip (our Domestic policy does not cover cruises).

Compare travel insurance cover

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement.

Get a quote

Whether you’re after a cheap price or a policy with all the bells and whistles, we’ve got a wide range of travel insurance cover for you to choose from.

Get a quote online in 30 seconds or give us a call on 1800 444 424.

Get a Quote

Make a claim

If your trip didn’t go entirely to plan and you wish to make a claim, we’re here to help.

Make a claim on your Budget Direct travel insurance policy

Frequently asked questions

Can’t I get insurance through the cruise ship company?

Some cruise lines offer insurance, however you might want to check whether their policies provide the breadth of cover offered by specialist travel insurance companies like us.

When’s the best time to get travel insurance for my cruise?

As soon as you you’ve booked and paid for some or all of your cruise. That way, if you’re forced to cancel your trip, you’ll be covered (conditions apply – please see the PDS for full details).

I’m going on a cruise within Australian territorial waters – what destination must I select?

If you’re going on a domestic cruise and want to be covered for on-board medical expenses and evacuation, please select ‘Australian Waters’ as your destination.

If I book a cruise but then cancel it, won’t I get reimbursed by the cruise operator?

It depends on when you cancel. Most operators use a sliding scale: The closer to your departure date you cancel, the smaller your refund – if any.

Am I covered for the time I spend on land during my cruise trip?

You’re automatically covered for any stopovers up to 48 hours. Regardless, we recommend you list all destinations your cruise is scheduled to dock at. If the stopover is longer than 48 hours, your stopover destinations must be listed on your policy.

I plan to go on a few cruises in the next year – will I have to buy separate policies for each cruise?

With our Annual Multi-Trip policy, you can enjoy overseas cruises as many times as you like in a 12-month period. To qualify, you must be under 75 years of age. If any of your cruises is longer than 30 days, you’ll need to buy a separate policy for that particular cruise.

For me to qualify for travel insurance, does my cruise have to start in Australia?

Provided your trip begins in Australia – regardless of whether your cruise starts in Australia or you fly to an international port to begin your cruise – you’ll be covered. (Just make sure your travel dates include any flights.)

Can I get cover for a one-way cruise?

Yes; your cover will end 24 hours after you leave immigration control in your final destination.

My cruise ship has an ice-skating rink – will I be covered for an ice-skating injury?

Yes – provided you add Snow Sports Cover to your travel insurance policy.