Important Notice
International Cruise Travel Insurance for Ocean Cruising and River Cruising
Whether you’re cruising through the Caribbean or touring the rivers of Thailand, the last thing on your mind is the possibility of something going wrong. An unexpected Illness or injury or even a delay or cancellation could be costly not to mention confusing if you are in another country. An International cruise insurance policy can help to relieve some of that burden for you and your family if an unforeseen or emergency situation were to arise with coverage for a variety of situations as well as a 24/7 emergency helpline. A World2Cover cruise insurance policy can help provide added peace of mind for you, your friends or family.
There are three World2Cover international policies that provide cover for cruises. Each one has different benefits as well as limits and sub-limits within these benefits. The type of coverage and the price that is best suited for you will be based on your required needs. Please refer to the PDS and our TMD's to understand whether this product suits your requirements and which level of cover is most appropriate as well as any exclusions that may apply. If you have questions about any of the features of the product do not hesitate to call our team! Our customer service team is available on (02) 9225 7599, Monday to Friday 8am to 9pm (AEST) and Saturday/Sunday 9am to 6pm (AEST).
We provide cover for river cruising and ocean cruising regardless of whether you are cruising overseas or within Australia. A number of options are available subject to the terms, conditions and exclusions.
Our definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for only one night you will automatically be covered under the policy without selecting the Cruise Option.
For domestic travel it is important to understand that medical evacuation and medical costs are not covered as medical costs are covered by Medicare, whilst any additional costs relating medical evacuations will need to be covered by you.
An extra premium is payable for the Cruise cover option.- River Cruising – International or Domestic Cover for river cruising is automatically included in your cover and there is no need to select the Cruise Option.
For international river cruising, medical evacuation and medical costs will be covered subject to the policy terms and conditions. - Open water sailing – International or Domestic Please note there is an exclusion on any Open Water Sailing which means sailing more than 12 nautical miles from any landmass. This applies to a sailing vessel using either a motor and/or wind as its means of propulsion and for these types of vessels no cover can be provided unless the vessel stays within 12 nautical miles of any landmass. For example, a customer wishing to sail in a commercially operated sailing vessel along the coast of Croatia or The Whitsundays and always staying within 12 nautical miles of any landmass is automatically included in your cover and there is no need to select the Cruise option.
- Going on an Ocean Cruise – International Our definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for only one night you will automatically be covered under the policy without selecting the Cruise Option.
Medical evacuation and medical costs will be covered with all ocean cruising subject to the policy terms and conditions.
If you are going on an international ocean cruise, you will be covered for this travel by selecting the Cruise Option and adding all countries and/or regions being visited to the destination list when quoting for a policy.
There are currently no restrictions on the size of the vessel or on the medical facilities required onboard.
Going on an Australian Cruise - Cruising to Australia plus international ports Many cruises depart Australian ports to visit other Australian ports and then international ports of destination. For example, Sydney, Brisbane plus countries in the South Pacific.
For these types of cruises, please select Australian Cruise and add all countries and/or regions being visited in the destination list when quoting for a policy - this will ensure you have cover for any medical evacuation and medical costs while overseas or onboard but please note, any medical treatment received in Australia is not covered given this is excluded and provided by Medicare. - Cruising to Australian ports or offshore islands with medical facilities and trained doctors onboard and commercially operated Many cruises depart from Australian ports to visit major city or regional ports, for example cruising from Sydney to Brisbane or cruising in the Kimberly region.
If your cruise has medical facilities and doctors onboard, and meets the definition of Cruise, please select Australian Cruise while quoting for a policy. This will ensure you have cover for any medical evacuation and medical costs while onboard, as some medical providers are not registered with Medicare. - Cruising to Australian ports or offshore islands with NO medical facilities and doctors onboard or chartered for self-operation Many cruises depart from Australian ports to visit major city or regional ports, for example cruising from Sydney to Brisbane or cruising in the Kimberly region. You may also charter a cruise, boat or yacht yourself for self-operation including a fishing trip.
If these cruises have no medical facilities and staff or are chartered for self-operation, please select Australia – Domestic cover, while quoting for a policy.
Cover for international river cruising is included automatically in our single and annual multi trip policies and you do not need to select the Cruise option to be covered for river cruising.Medical evacuation and medical costs will be covered with all river cruising. All other international cruising will require you to select the Cruise option on your preferred policy level to have the cover while you are on your cruise.
Our definition of Cruise means an ocean voyage on a commercially operated vessel for more than one night. If you are travelling for only one night you will automatically be covered under the policy without selecting the Cruise Option.
All other international ocean cruising will require you to select the Cruise option to be covered while you are on your cruise. and adding all countries being visited to the destination list when quoting for a policy.
Medical evacuation and medical costs will be covered with all ocean cruising.
There are currently no restrictions on the size of the vessel or on the medical facilities required onboard.
However, please note that there is an exclusion on any Open Water Sailing which means sailing more than 12 nautical miles from any landmass.
This applies to a vessel using the wind as its means of propulsion and for these type of vessels no cover under cruise cover can be provided unless the vessel stays within 12 nautical miles of any landmass. For example, a customer wishing to sail in a commercially operated sailing vessel along the coast of Croatia and always staying within 12 nautical miles of the landmass of Croatia can be covered via the Cruise Option. Conversely, a customer wishing to sail the Mediterranean in open water more than 12 nautical miles from any landmass at any time cannot be covered via the Cruise option and is specifically excluded under our activities.
Once you’ve made your decision, our online purchase journey is designed to get you on your way smoothly so that you can spend more time looking forward to your cruise. Select your chosen cover type, complete the details of all travellers to be listed and any medical declarations. And all that’s left to do is to enjoy your cruise!
Policy criteria and conditions apply
Which policy might be right for me?
All World2Cover overseas policies provide 24-hour emergency medical assistance and unlimited overseas medical coverage **. Our goal is to provide quality cost effective coverage. The conditions, benefits and policy limits vary between our three policies. Take the time to read the PDS to ensure you have the cover that is right for you and your trip and you are aware of any exclusions or limitations.
** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusion that apply to this benefit. This benefit covers reasonable overseas medical, hospital, evacuation and repatriation costs as a result of an injury (including arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by your treating doctor or our consulting medical officer. You must notify us as soon as possible of your admittance to hospital.
Policy criteria and conditions apply
Why should I consider cruise travel insurance?
Travel insurance for cruises offers additional peace of mind while you travel whether onboard ship or spending a day onshore in another country. World2Cover has your back for those unexpected events so you can relax and enjoy your holiday.
Travel Insurance for domestic river cruising
Cover for domestic cruising is included automatically in the policy and you do not need to select the Cruise option to be covered. Please select Australia as the destination of travel.
However, it is important to understand that medical evacuation and medical costs are not covered for any domestic travel as medical costs are covered by Medicare while any medical evacuations costs will need to be covered by you.
There are no restrictions on vessel size or whether medical facilities and medically trained staff are onboard.
Travel Insurance for cruising around Australia
Cruising from Australia to International ports
Many cruises depart from Australian ports to visit international ports of destination such as countries in the South Pacific or South East Asia.
For these types of cruises, please select Australian Cruise and add all countries being visited in the destination list when quoting for a policy - this will ensure you have cover for any medical evacuation and medical costs while overseas or onboard but please note, any medical treatment received in Australia is not covered given this is excluded and provided by Medicare.
Cruising to Australian ports or offshore islands with medical facilities and trained medical staff onboard and commercially operated
Many cruises depart from Australian ports to visit local Australian ports only such as major city based ports, regional ports or inland river systems such as the Murray River.
If your cruise has medical facilities and trained medical staff onboard and the cruise is commercially operated, please select Australian Cruise while quoting for a policy - this will ensure you have cover for any medical evacuation and medical costs while onboard but please note, any medical treatment received in Australia is not covered given this is excluded provided by Medicare.
Cruising to Australian ports or offshore islands with NO medical facilities and trained medical staff onboard or chartered for self-operation
Many cruises depart from Australian ports to visit local Australian ports only such as major city based ports, regional ports or inland river systems such as the Murray River.
If these cruises have no medical facilities and staff or are chartered for self-operation, please select Australia – Domestic cover, while quoting for a policy.
Please note that no cover is provided for medical treatment received onboard or for medical evacuation. Any medical treatment received in Australia is not covered given this is excluded and provided by Medicare.
Open Water Sailing
Please note there is an exclusion on any Open Water Sailing which means sailing more than 12 nautical miles from any landmass. This applies to a vessel using the wind as its means of propulsion and for these type of vessels no cover can be provided unless the vessel stays within 12 nautical miles of any landmass.
If you have questions on the features of our products and cruising in Australia do not hesitate to call our team! Our customer service team is available on (02) 9225 7599, Monday to Friday 8am to 9pm (AEST) and Saturday/Sunday 9am to 6pm (AEST).
Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548) is the issuer of World2Cover Travel Insurance. The 'World2Cover Travel Insurance - Combined Financial Services Guide and Product Disclosure Statement' (PDS) which includes the policy wording, is available here. Any financial advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should consider the PDS in deciding whether to acquire, or to continue to hold the policies.
