Cruise Travel Insurance

Here is the thing most first-time cruisers do not know: a standard travel insurance policy often does not respond once the ship leaves port. Medical treatment on board is private, billed at private rates, and delivered in international waters. If you need to be taken off the ship, the evacuation is measured in helicopters, not taxi fares. This is why cruising is treated as its own trip type, and why Travel Protect offers a dedicated cruise pack on the Explorer plan.

Optional Upgrades to your Travel Protect coverage

Cruise

Ski and snowboarding

What makes cruise claims different

• Onboard medical centres charge like private hospitals. Even a minor infection treated at sea generates a real bill. With the cruise pack added, eligible onboard treatment falls under your unlimited* overseas emergency medical benefit.
• Missing the ship is expensive. A delayed connecting flight that makes you miss embarkation, or a missed port day, can cascade into new flights and hotels. Cancellation and trip interruption cover of up to $40,000 on Explorer can respond to eligible costs.
• Evacuation at sea is a major operation. Our 24/7 emergency assistance team coordinates medical evacuations, including from ships, under the emergency medical benefit.

Setting up cruise cover properly

Choose the Explorer plan, add the cruise pack, and make sure your destination selection matches the itinerary: an Australian coastal cruise is selected differently from a South Pacific or Mediterranean sailing. Consider setting your cancellation limit to the full prepaid cost of the cruise fare plus all other travel expenses (including flights and accommodation), because cruise fares are among the least refundable products in travel. If your sailing includes shore excursions like snorkelling or ziplining, these are the kinds of activities Travel Protect's cover is designed around; check the excluded activity list when you quote.