Cruise travel insurance

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'll need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

If during your trip you suffer a disabling injury, sickness or disease (which first presents during the Period of Insurance), we will pay the usual and customary cost of emergency transportation provided outside of Australia by, or on the advice of, a qualified medical practitioner to evacuate you to the nearest onshore medical facility (unlimited on our international travel insurance policies with Cruise Cover).

Limits, sub-limits, exclusions and conditions apply. See the Combined FSG/PDS for more information.

You can purchase either an International Comprehensive Plan, or International Medical Only Plan and add Cruise Cover to your selected policy.  

You will need to enter all relevant destination(s) or regions related to your trip when quoting.  

If you are travelling on an overseas cruise, enter every country you will be travelling to, or select relevant region(s) of travel.  

If you are travelling on a cruise between Australian ports and your cruise travels outside of Australian Coastal Waters (e.g. Sydney to Brisbane), enter ‘Domestic Cruise’ as a destination.  

If your cruise includes an Australian port(s) as well as international ports, then you will need to select ‘Domestic Cruise’ plus enter every country or region(s) you will be travelling to.  

You can compare Medibank Travel Insurance plans on our compare page.

If you are travelling on a multi-night (2 or more nights) cruise overseas or outside Australian Coastal Waters, you'd need to add and pay for the additional Cruise Cover to be insured for claims related to your cruise travel. 

Missed port cover: Should you miss the scheduled departure of your pre-booked cruise or a pre-booked connection to your cruise due to unforeseen circumstances outside of your control, we will cover you for reasonable costs (up to $1,000) to use alternative public transport services to catch up to your planned itinerary.³ Excludes COVID-19.

Luggage and personal effects cover: If you purchased an International Comprehensive Plan and added Cruise Cover to your policy, you will have luggage cover up to the limits specified in the PDS for any lost damaged or stolen luggage whilst cruising.

Unfortunately if you purchased an International Medical Only Plan, no cover is available for lost, damaged or stolen luggage whilst you're on your trip.

Item limits and sub-limits apply. See the Combined FSG/PDS for terms, conditions and more information.

For cruises within Australian Coastal Waters, or on inland waterways: If you are travelling on an Australian inland waterway (e.g. a Murray River Cruise), or within Australian Coastal Waters (e.g. A Kimberley Cruise where the cruise ship does not leave these waters) then you do not require separate Cruise Cover. Please select or type ‘Australia’ and choose a Domestic Plan.  

For multi-night cruises leaving Australian Coastal Waters: If you are travelling on a multi-night cruise that leaves Australian Coastal Waters (for example, a cruise from Sydney to Brisbane or a Kimberley cruise that ventures outside Australian Coastal Waters), you will need to add Cruise Cover to your policy to be insured for any cruise-related claims. 

Please select ‘Domestic Cruise’ as your destination. Although your cruise departs from and returns to Australia, an international plan with Cruise Cover is required, because you will be outside of Australian Coastal Waters.

If you have any questions, contact Medibank Travel Insurance on 134 190.

Yes, you can purchase a travel insurance policy after your trip commenced, however you will be subjected to a 3-day no cover period. Cruise Cover must be purchased at the time of purchasing the travel insurance policy and cannot be added retrospectively.

If you are diagnosed with COVID-19 on board a multi-night sea or ocean cruise, cover applies to: 

• On-board medical.¹
• Dental cover ship to shore medical cover.²

Available on International Comprehensive and International Medical plans only if Cruise Cover has been added.

If you're on a cruise in Australian Waters, Medicare may not pay towards your medical cost on the cruise ship because the cruise ship may not have doctors onboard who are registered to practice in Australia. Check before your trip and consider getting travel insurance with Cruise Cover.