Cruise Travel Insurance Features & Benefits

What are the benefits of getting cruise travel insurance? The odds of falling ill whilst aboard a cruise ship are heightened. Don't forget, as soon as you're off home soil you're technically overseas, so the public health system isn't going to help you out. If you're looking at a domestic cruise, remember you still need overseas travel insurance, not domestic.

• Relax, we’ll look after you from ship to shore. We have unlimited emergency medical cover.

• Planning to take some valuables on your trip? We cover up to $15,000 worth of luggage and personal effects.

• Don’t worry if an unexpected natural disaster affects your trip. We cover unlimited cancellation and lost deposits.

• We know how important your family is. That is why we have up to $50,000 worth of Family Emergency cover.

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.

FAQs About Cruise Travel Insurance

• Will Domestic Travel Insurance Cover Me On A Cruise In New Zealand's Waters? 

• No once your ship leaves port, even if you're cruising New Zealand's waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider. That’s why we recommend you getting an overseas travel insurance policy. For example if your cruise is in New Zealand's waters then choose a New Zealand Cruise policy. 

• How Much Is Healthcare On-Board A Cruise? 

• While on-board a cruise medical costs are quite expensive. Hospital bills can be as much as $5,000 per day. Simple treatments, consultations and medications on board a ship are charged at private rates. This can mean that a doctor’s appointment can be as much as $100. 

• My Cruise Is Going To Multiple Destinations What Destination Do I Choose? 

• If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
  Travellers on domestic cruises in New Zealand waters may also purchase Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses. 

• What Happens If I Come Home Early?

• Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

A complete list of FAQS.

Table of Benefits - Cruise Travel Insurance

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies.

Medical Benefits

Luggage Benefits

Cancellation Benefits

Ancillary Benefits

* $100 excess payable

Cruising Considerations

It pays to do your research when planning a cruise. What might be an amazing time for some could quickly turn into a holiday full of sea-sickness, overspending and rowdy neighbours. We’ve put together some things to consider to ensure your next cruise experience is as enjoyable as possible.

• Different cruises will be more suited to what different people want out of their experience.

• There are cruises that are more advisable for seniors whilst others have better facilities for families with kids to keep them entertained. Some are more recommended for singles with romance on the mind, some for fitness fanatics, some are more gay-friendly and others geared towards foodies. Some have better on-board entertainment whilst others spend more time in ports of destinations. Sites like www.cruises.com.au compare them for you so you can find one that appeals to what you are looking for.

• • Planning your budget for your cruise is very important.

  • If you have a tight budget and choose a cruise accordingly than you shouldn’t expect the same facilities and service that a more expensive cruise will provide. This doesn’t mean it will be less fun, just have realistic expectations. There are also many hidden costs to cruising even if you choose an all-inclusive package or one that includes your meals. You’ll need to budget for tipping, on-board activities, souvenir shopping, laundry, spa and salon treatments, shore excursions, alternative dining and alcohol if it’s not included in your package.  If you are to require medical assistance it can be very expensive on a cruise ship. We recommend you take out cruise travel insurance to protect you in this circumstance.

  • Research the different destinations your cruise is going to.

  • The destinations are very important of course, but you should also be aware that not all ports of call are guaranteed so keep that in mind in your decision making process. It may not be worth going on a particularly cruise if there is only one stop you are excited about it, so best to choose one that has a few places you’d like to visit just in case. You should also check the time in each port as well.

  • Choose your cabin wisely!

  • Another important decision to make on your cruise is what sort of cabin you will choose. There is generally a choice between an inside cabin that has no window and is in an inside corridor, an outside cabin which has a window or porthole with a view to the outside, a balcony cabin, that includes a veranda that allows you to step outside without going up to a public deck or a suite which is a larger cabin, often with separate living and sleeping areas, and better amities and perks. It may come down to budget but it also depends on your personality. If you plan on spending most of your stay socialising above deck than you may not need your own outdoor area. If you really need your own space a balcony might be quintessential to your trip.

  • Avoid seasickness.

  • Seasickness can definitely damper your cruise fun. You can try and prevent becoming seasick by choosing port intensive cruises, spending as much time on deck out in the fresh air and booking a cabin in the middle of the ship- the natural balance point. You can also take natural remedies like ginger or peppermint tea or any chemist or pharmacy will have many different motion sickness solutions.

  • Always read the fine print when booking.

  • Lastly read the fine print. Some cruises may have strict refund policies or rules and regulations that aren’t suited for what you are looking for.  There may be hidden costs or restrictions on certain activities you were excited about doing. Once you’re happy with everything book your cruise. Start paying if off and when it’s time to go, relax and enjoy all your cruise has to offer.

Further Reading

Going On A Cruise In Greece?

If you're going on a cruise around the Greek Islands make sure you understand the risks so you can enjoy your holiday.

 

Greece Travel Insurance

Going On A Cruise To Fiji?

You'll find more information on things not to miss in Fiji, and also things to watch out for, all here to help you plan your trip.

 

Fiji Travel Insurance