Cruise travel insurance
Considering a cruise for your next holiday?
There’s nothing better than exploring exciting destinations while enjoying the comfort and luxury of a cruise ship at sea. But like any holiday there are risks and unexpected costs on open waters can add up fast. Cruise travel insurance adds essential coverage and protection if something goes wrong.
From travel interruptions and luggage loss to medical accidents and personal liability, the right policy can provide peace of mind and added assurance throughout your voyage.
Why choose a cruise?
When it comes to planning your next holiday, choosing the right type of adventure can make all the difference in creating a memorable and relaxing experience. While there are numerous options available, embarking on a cruise is a fantastic choice that offers a unique blend of convenience, exploration, and leisure. We’ve outlined some reasons a cruise could be ideal for your next trip away:
- Convenience & All-Inclusive: Enjoy a hassle-free holiday with accommodation, meals, entertainment, and transportation bundled into one, simplifying your travel experience.
- Diverse Destinations, One Itinerary: Explore multiple destinations in a single journey, from exotic islands to historic cities, making the most of your travel time.
- Unpack Once: Say farewell to constant packing and unpacking luggage; on a cruise, you unpack just once, waking up in new destinations without moving your suitcase about.
- Variety of Activities: Find entertainment, relaxation, and adventure on board, from world-class shows to spa treatments, catering to travellers of all interests.
Explore our range of cruising insurance policies to find the right cover for you!
Cover for overseas cruises
Our International Comprehensive policy has an optional add-on for cruises overseas, leaving you free to sit back, relax and enjoy the view.
From unexpected changes to tours and lost bags, to health emergencies and cancellations, our 'Cruise cover' add on for International Comprehensive travel insurance can help you and your family feel secure with our International Comprehensive policy, should something go wrong. Remember to read your Product Disclosure Statement and Financial Services Guide, to ensure you’ll be looked after by our experts when you need it most.
Our International Comprehensive insurance also includes cover for:
- Unlimited medical and evacuation expenses
- Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
- Damaged or lost luggage
- Stolen, lost or damaged personal items
- Rental vehicle excess
- Emergency dental treatment
- Funeral expenses
Included in your policy, you’ll get access to our worldwide emergency assistance team who are just a phone call away, and are available 24 hours a day, 7 days a week.
For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement to decide if International Comprehensive is right for you and your overseas cruise trip.
Cover for domestic cruises
Perhaps you’re after a shorter trip or just want to enjoy the beautiful coastline or waterways of Australia? Our Domestic policy has an optional add-on for cruise cover, so you can relax on your next cruise adventure.
Our Domestic cruise travel insurance also includes cover for:
- Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
- Damaged or lost luggage
- Stolen, lost or damaged personal items
- Rental vehicle excess
- Pet services
- Childcare expenses
- Funeral expenses
This protection helps manage unexpected costs if your domestic itinerary changes or a covered accident occurs before or during your cruise
For more details, including the terms and conditions, please read our travel insurance Product Disclosure Statement and Financial Services Guide to decide if our Domestic policy is right for you and your domestic cruise trip.
Top tips for cruise insurance
For more information on choosing travel insurance for a cruise, read our cruise tips and advice:
- Make sure you select the cruise add-on when buying your policy.
- Consider the total cost of your cruise voyage when selecting your cancellation cover amount.
- If you are planning on participating in any water sport activities during your trip, such as diving or kayaking, please check the policy conditions to ensure these are covered.
- Don’t leave your travel insurance to the last minute. Buy your policy as soon as you’ve booked your cruise to ensure there's cover for unexpected cancellations or illness before you travel.
- Carefully read all policy documents to ensure you understand the terms, conditions, limits, and exclusions
What you need to know
This page includes some information about our products but, as with all insurance policies, eligibility criteria, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure our travel insurance products are right for you.
You can find the relevant documents here: International Comprehensive, Annual Multi-trip, International Medical Only, Working Overseas, Domestic.
The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.
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