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What does cruise travel insurance cover?
Fast Cover’s travel insurance for cruises is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your cruise holiday.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
If you become unexpectedly sick or injured before your cruise holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including the cruise itself, flights, accommodation and on-shore tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your cruise up to 12 months prior to your departure date, including before you've purchased your cruise tickets and booked your on-shore tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies.*
Cyclones and severe weather could disrupt the course of your cruise. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel and accommodation expenses you incur whilst you are still on your trip.*
Our Trip Disruption Expenses benefit is available to provide cover for the reimbursement of your reasonable additional travel, accommodation and meal expenses which you cannot recover from any other source, if a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS.*
Cruise holiday on pause? If you’re stuck at an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship - is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy.*
Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time.*
Lost, stolen or damaged luggage can turn a dream cruise holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Our cruise travel insurance may include the Luggage and Personal Effects benefit which is available to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your cruise holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Got tickets for your cruise or an on-shore tour package? If your scheduled transport is cancelled or delayed, Fast Cover may cover you for reasonable additional travel expenses to help you to get to your special event on time whether it’s a cruise, tour package or a wedding, so you don’t miss the moments that matter.*
If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time.*
Special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
Medical emergencies can happen anywhere - even during your cruise holiday. We’re here to help with our Aussie based Emergency Assistance Team’s support when you need it most. Fast Cover’s emergency assistance Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s travel insurance for cruises may include access to our Australian based Emergency Assistance hotline with 24/7 support for reasonable unexpected medical emergencies overseas, who you can call from your cruise ship.*
An unexpected trip to the cruise ship’s on-board doctor is the last thing you might want on your cruise holiday. If you become unexpectedly sick or injured on your overseas cruise or on-board your Australian cruise, the Overseas Emergency Medical and Hospital Expenses benefit is available to provide cover for the medical expenses that you incur to see the on-board doctor in situations covered under your policy. However, we will not pay for any medical expenses or medical transportation which is provided on land in Australia.*
From food poisoning to torn ligaments, Fast Cover’s cruise travel insurance is available to provide protection against the financial burden of reasonable unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your cruise.*
If you become seriously injured or sick during your overseas cruise, access to emergency medical care could make a huge difference. Fast Cover’s travel insurance for cruises is available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision.*
If you are travelling on a cruise ship within Australian waters (including a remote area within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
What does cruise travel insurance cover?
Fast Cover’s travel insurance for cruises is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your cruise holiday.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
If you become unexpectedly sick or injured before your cruise holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including the cruise itself, flights, accommodation and on-shore tours in circumstances explained in your policy.*
At Fast Cover, you can buy travel insurance for your cruise up to 12 months prior to your departure date, including before you've purchased your cruise tickets and booked your on-shore tours and accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies.*
Cyclones and severe weather could disrupt the course of your cruise. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel and accommodation expenses you incur whilst you are still on your trip.*
Our Trip Disruption Expenses benefit is available to provide cover for the reimbursement of your reasonable additional travel, accommodation and meal expenses which you cannot recover from any other source, if a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS.*
Cruise holiday on pause? If you’re stuck at an airport or seaport because your pre-booked carrier with which you are travelling - including your aircraft or cruise ship - is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation in situations covered under your policy.*
Our Travel Delay Expenses benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each subsequent full 24-hour period beyond the initial 6-hour delay from the time your carrier was scheduled to depart until your rescheduled departure time.*
Lost, stolen or damaged luggage can turn a dream cruise holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Our cruise travel insurance may include the Luggage and Personal Effects benefit which is available to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your cruise holiday. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Got tickets for your cruise or an on-shore tour package? If your scheduled transport is cancelled or delayed, Fast Cover may cover you for reasonable additional travel expenses to help you to get to your special event on time whether it’s a cruise, tour package or a wedding, so you don’t miss the moments that matter.*
If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time.*
Special events include a pre-booked, pre-paid and pre-arranged:
Wedding
Funeral
Conference
Concert
Sporting event
Cruise
Tour package
Medical emergencies can happen anywhere - even during your cruise holiday. We’re here to help with our Aussie based Emergency Assistance Team’s support when you need it most. Fast Cover’s emergency assistance Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s travel insurance for cruises may include access to our Australian based Emergency Assistance hotline with 24/7 support for reasonable unexpected medical emergencies overseas, who you can call from your cruise ship.*
An unexpected trip to the cruise ship’s on-board doctor is the last thing you might want on your cruise holiday. If you become unexpectedly sick or injured on your overseas cruise or on-board your Australian cruise, the Overseas Emergency Medical and Hospital Expenses benefit is available to provide cover for the medical expenses that you incur to see the on-board doctor in situations covered under your policy. However, we will not pay for any medical expenses or medical transportation which is provided on land in Australia.*
From food poisoning to torn ligaments, Fast Cover’s cruise travel insurance is available to provide protection against the financial burden of reasonable unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your cruise.*
If you become seriously injured or sick during your overseas cruise, access to emergency medical care could make a huge difference. Fast Cover’s travel insurance for cruises is available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision.*
If you are travelling on a cruise ship within Australian waters (including a remote area within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Optional extras for your cruise holiday
No two cruise holidays are the same – and your cover shouldn’t be either. A cruise might only be part of your trip, so whether you plan to ride a motorcycle, rent a vehicle for a road trip, participate in snow sports or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities to fit you, your on-shore excursions and other parts of your trip.
Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many travellers riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.
Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Exploring your cruise destination at your own pace? Whether you’re hiring a car for a road trip or exploring the local towns during you on-shore excursion, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*
The rental vehicle excess benefit applies to a:
Sedan, hatchback, or station wagon
Four-wheel drive or minibus/people mover
Campervan or motorhome (up to 4.5 tonnes)
rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*
For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.
Travelling on a cruise with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.
Phone
Laptop
Camera
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Pairing a winter cruise with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
Below are some examples of things that may be covered in your snow sports benefits:
loss or theft of, or accidental damage to snow sports equipment
for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip
if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person
the cost of transport and lift passes at an alternate ski resort
in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Got a big adventure planned during your on-shore cruise excursion? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10 -15 nautical miles off any land mass
Scuba diving up to a depth of 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Optional extras for your cruise holiday
No two cruise holidays are the same – and your cover shouldn’t be either. A cruise might only be part of your trip, so whether you plan to ride a motorcycle, rent a vehicle for a road trip, participate in snow sports or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities to fit you, your on-shore excursions and other parts of your trip.
Ready to explore your travel destination on two wheels with Fast Cover’s Motorcycle Pack? For many travellers riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Bali’s lush rice terraces and Italy’s scenic Amalfi coast.
Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:
Motorcycle
Moped
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Exploring your cruise destination at your own pace? Whether you’re hiring a car for a road trip or exploring the local towns during you on-shore excursion, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*
The rental vehicle excess benefit applies to a:
Sedan, hatchback, or station wagon
Four-wheel drive or minibus/people mover
Campervan or motorhome (up to 4.5 tonnes)
rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*
For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.
Travelling on a cruise with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.
Phone
Laptop
Camera
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Pairing a winter cruise with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*
Below are some examples of things that may be covered in your snow sports benefits:
loss or theft of, or accidental damage to snow sports equipment
for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip
if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person
the cost of transport and lift passes at an alternate ski resort
in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy.*
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
Got a big adventure planned during your on-shore cruise excursion? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Examples of some activities that require the Adventure Pack include:
Abseiling
Outdoor rock climbing
Quad biking
Tandem parachuting and tandem skydiving
Sailing from 10 -15 nautical miles off any land mass
Scuba diving up to a depth of 30 m
Water skiing, jet skiing, and speedboating
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
What types of cruises can be covered?
Fast Cover can provide cruise travel insurance for Australian domestic cruises and international cruises.
You must select Cruise cover for your policy to include cover for claims related to travel on a cruise ship or arising whilst on a cruise ship for 1 night or more in Australian waters. At Fast Cover, we distinguish domestic cruise ships depending on the number of passengers as follows:
Small Cruise Ships | Cover is available for domestic cruises on small cruise ships that take you along the Australian coastline and can explore seas and bays. You will need to choose ‘small ship’ if you are travelling on a ship with 200 passengers or less. |
|---|---|
Large Cruise Ships | Cover is available for Australian cruises in the sea or ocean on large ship cruises that take you out into the sea or ocean from 1 night or more to several weeks or even months. You will need to choose ‘large ship’ if you are travelling on a ship with over 200 passengers. |
If you are travelling on a day cruise in domestic waters, or on a river cruise, you do not need to add cruise cover to your travel insurance policy.
Cover is also available for international cruises and can be added to our Comprehensive, Standard Saver, and Basics policies. Cruise cover is already included in our Frequent Traveller Saver policies, so additional cover does not need to be added.
You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship:
within New Zealand or the South Pacific Region for 1 night or more
within Asia, Europe, or Worldwide Regions for 4 nights or more.
Please note that if you also answer ‘Yes’ to ‘Skiing or Snowboarding?’ for international destinations during your policy application, you will be given the option to select our Snow Sports Plus policy which will also include cruise cover if you answered ‘Yes’ to ‘Going on a Cruise?’.
You will not need to include cruise cover if you are taking an inland river cruise or a day cruise and will not be sleeping on the boat.
Fast Cover provides travel insurance for cruises for many popular cruise destinations.
Australia: Cruising within Australian water for 1 night or more is covered under our domestic cruise travel insurance policy. For example, cruising from Melbourne to Hobart, or along the Kimberly coast.
New Zealand: So close and so amazing! Cruising to New Zealand’s north and south islands offers a plethora of unique experiences and breath-taking scenery that are difficult to find elsewhere.
Asia: Embrace the rich culture and natural wonders of Asia’s popular cruising destinations including Singapore, Malaysia, Thailand, Vietnam, Indonesia and Bali, Japan, the Philippines and even Cambodia.
Europe: From historic landmarks and world class beaches to unique dining experiences and cultural attractions, cruising around Europe and the Mediterranean is a once in a lifetime adventure. Think cruising between the Croatian or Greek islands, the French Riviera, and the Italian coast.
Middle East and Africa: Perfect for adventure seekers and history buffs, Middle East cruising is all about exploring the wonders of the Arabian Gulf and African coast from Egypt to Mauritius.
South Pacific: Complete with otherworldly natural landscapes and waters showcasing the deepest and clearest blue waters, South Pacific cruising is a popular destination for Australian travellers, from Fiji and Vanuatu to New Caledonia and Samoa.
Note: We are unable to offer travel insurance for cruising to every overseas country. To check which countries may be covered, enter your destination country in the quote.
What types of cruises can be covered?
Fast Cover can provide cruise travel insurance for Australian domestic cruises and international cruises.
You must select Cruise cover for your policy to include cover for claims related to travel on a cruise ship or arising whilst on a cruise ship for 1 night or more in Australian waters. At Fast Cover, we distinguish domestic cruise ships depending on the number of passengers as follows:
Small Cruise Ships | Cover is available for domestic cruises on small cruise ships that take you along the Australian coastline and can explore seas and bays. You will need to choose ‘small ship’ if you are travelling on a ship with 200 passengers or less. |
|---|---|
Large Cruise Ships | Cover is available for Australian cruises in the sea or ocean on large ship cruises that take you out into the sea or ocean from 1 night or more to several weeks or even months. You will need to choose ‘large ship’ if you are travelling on a ship with over 200 passengers. |
If you are travelling on a day cruise in domestic waters, or on a river cruise, you do not need to add cruise cover to your travel insurance policy.
Cover is also available for international cruises and can be added to our Comprehensive, Standard Saver, and Basics policies. Cruise cover is already included in our Frequent Traveller Saver policies, so additional cover does not need to be added.
You must take out an international travel insurance policy and add Cruise cover if you will be travelling on a cruise ship:
within New Zealand or the South Pacific Region for 1 night or more
within Asia, Europe, or Worldwide Regions for 4 nights or more.
Please note that if you also answer ‘Yes’ to ‘Skiing or Snowboarding?’ for international destinations during your policy application, you will be given the option to select our Snow Sports Plus policy which will also include cruise cover if you answered ‘Yes’ to ‘Going on a Cruise?’.
You will not need to include cruise cover if you are taking an inland river cruise or a day cruise and will not be sleeping on the boat.
Fast Cover provides travel insurance for cruises for many popular cruise destinations.
Australia: Cruising within Australian water for 1 night or more is covered under our domestic cruise travel insurance policy. For example, cruising from Melbourne to Hobart, or along the Kimberly coast.
New Zealand: So close and so amazing! Cruising to New Zealand’s north and south islands offers a plethora of unique experiences and breath-taking scenery that are difficult to find elsewhere.
Asia: Embrace the rich culture and natural wonders of Asia’s popular cruising destinations including Singapore, Malaysia, Thailand, Vietnam, Indonesia and Bali, Japan, the Philippines and even Cambodia.
Europe: From historic landmarks and world class beaches to unique dining experiences and cultural attractions, cruising around Europe and the Mediterranean is a once in a lifetime adventure. Think cruising between the Croatian or Greek islands, the French Riviera, and the Italian coast.
Middle East and Africa: Perfect for adventure seekers and history buffs, Middle East cruising is all about exploring the wonders of the Arabian Gulf and African coast from Egypt to Mauritius.
South Pacific: Complete with otherworldly natural landscapes and waters showcasing the deepest and clearest blue waters, South Pacific cruising is a popular destination for Australian travellers, from Fiji and Vanuatu to New Caledonia and Samoa.
Note: We are unable to offer travel insurance for cruising to every overseas country. To check which countries may be covered, enter your destination country in the quote.
How to add cruise cover to your travel insurance policy
If you wish to be covered for a cruise, you may be able to apply to include cover. Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Enter your travel details
Enter all the destinations or regions you will be travelling to and add your travel dates.
Select who needs cover
Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise?
Answer ‘Yes’ to ‘Are you going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 guests) or a large ship (over 200 guests).
You will need to choose from our international policy options provided during policy application. Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.
How to add cruise cover to your travel insurance policy
If you wish to be covered for a cruise, you may be able to apply to include cover. Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Enter your travel details
Enter all the destinations or regions you will be travelling to and add your travel dates.
Select who needs cover
Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise?
Answer ‘Yes’ to ‘Are you going on a cruise?’ If you’re only travelling in Australia, select whether your cruise is a small ship (up to 200 guests) or a large ship (over 200 guests).
You will need to choose from our international policy options provided during policy application. Make sure you consider the PDS for details on other terms, conditions, exclusions and limits that apply.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.
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Select who needs cover
Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.
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Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
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Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
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Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
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The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
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Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
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If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Insurance cover options
At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Does travel insurance cover medical expenses on domestic cruises?
Customers travelling on domestic cruise ships within Australian waters will not be offered the option to choose a Domestic Plus policy. They will need to choose from our international policy options provided during policy application. The reason for this is often customers who will be cruising within Australian waters will need cover for medical related expenses on board a cruise ship which is only provided under our international policies.
Covered: For cruises with a doctor on board the cruise ship, your cover is extended for some medical expenses incurred whilst on-board the cruise ship if you are injured or become sick.
Not Covered: There’s no medical cover for domestic cruises (such as out-of-pocket expenses including gap payments) where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation. We will not pay for any medical expenses or medical transportation which is provided on land in Australia.
While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations, and in an emergency, you may need to be evacuated off the ship and back onto land, so that you can be transported to a hospital for treatment.
Covered: If you are travelling on a cruise ship within Australian waters (including a remote area within Australia, but not a remote area on land within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick.
If you require medical evacuation, you MUST contact our Emergency Assistance Team or the Australian Maritime Safety Authority (AMSA) to arrange the evacuation:
Fast Cover Emergency Assistance Team | Australian Maritime Safety Authority |
In Australia: 02 8320 7999 | In Australia: 1800 641 792 |
From Overseas: +61 2 8320 7999 | From Overseas: +61 2 6230 6811 |
A helicopter or seaplane company should NOT be contacted directly prior to speaking to Fast Cover Emergency Assistance or AMSA. Failure to do so may result in your claim being unpaid.^
Does travel insurance cover medical expenses on domestic cruises?
Customers travelling on domestic cruise ships within Australian waters will not be offered the option to choose a Domestic Plus policy. They will need to choose from our international policy options provided during policy application. The reason for this is often customers who will be cruising within Australian waters will need cover for medical related expenses on board a cruise ship which is only provided under our international policies.
Covered: For cruises with a doctor on board the cruise ship, your cover is extended for some medical expenses incurred whilst on-board the cruise ship if you are injured or become sick.
Not Covered: There’s no medical cover for domestic cruises (such as out-of-pocket expenses including gap payments) where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation. We will not pay for any medical expenses or medical transportation which is provided on land in Australia.
While cruise ships have on-board medical facilities, they may not be equipped to deal with serious medical situations, and in an emergency, you may need to be evacuated off the ship and back onto land, so that you can be transported to a hospital for treatment.
Covered: If you are travelling on a cruise ship within Australian waters (including a remote area within Australia, but not a remote area on land within Australia), your cover is extended to allow for you to be evacuated to a location where Australian emergency services can pick you up and transfer you to an Australian medical facility for treatment if you are injured or become sick.
If you require medical evacuation, you MUST contact our Emergency Assistance Team or the Australian Maritime Safety Authority (AMSA) to arrange the evacuation:
Fast Cover Emergency Assistance Team | Australian Maritime Safety Authority |
In Australia: 02 8320 7999 | In Australia: 1800 641 792 |
From Overseas: +61 2 8320 7999 | From Overseas: +61 2 6230 6811 |
A helicopter or seaplane company should NOT be contacted directly prior to speaking to Fast Cover Emergency Assistance or AMSA. Failure to do so may result in your claim being unpaid.^
Will Medicare cover me on a cruise in Australian waters?
Many Australian travellers mistakenly believe that they’re automatically covered by Medicare if they’re cruising in Australian waters.
However, Medicare benefits may not apply on your cruise even if in domestic Australian waters unless there’s a Medicare-accessible doctor on-board the cruise ship, which may be unlikely, as the large cruise lines aren’t usually owned by an Australian company. The Australian Government won't pay for your medical expenses overseas or medical evacuation costs.
So, if a sickness or injury occurs on the cruise ship and requires medical attention, many people are surprised to find they could be charged at private rates. That’s why when taking a cruise which has a doctor on-board, you’ll find that many travellers arrange cruise travel insurance so that cover is available for their on-board medical expenses, the cost of emergency medical evacuation from the cruise ship by helicopter to the mainland and when overseas, their medical expenses.
Taking out an international travel insurance policy with cruise cover for a cruise in Australian waters gives you the advantage of overseas emergency medical benefits including:
Overseas 24/7 emergency medical assistance
Overseas emergency medical and hospital expenses
Overseas emergency medical evacuation and repatriation
You'll also be able to access Australian medical facilities. If you become seriously sick or injured during your cruise and medical treatment is not available on-board the cruise ship, cover is extended to allow for you to be evacuated to a location where Australian emergency services (including an ambulance or Royal Flying Doctor Service) can pick you up and transfer you to an for treatment if you are injured or become sick.*
In circumstances where you become unexpectedly injured or sick and require medical evacuation or repatriation to Australia, you may be able to use your Medicare card and your private health insurance to cover the medical expenses from the time you’re transferred to the ambulance or Royal Flying Doctor Service.
Will Medicare cover me on a cruise in Australian waters?
Many Australian travellers mistakenly believe that they’re automatically covered by Medicare if they’re cruising in Australian waters.
However, Medicare benefits may not apply on your cruise even if in domestic Australian waters unless there’s a Medicare-accessible doctor on-board the cruise ship, which may be unlikely, as the large cruise lines aren’t usually owned by an Australian company. The Australian Government won't pay for your medical expenses overseas or medical evacuation costs.
So, if a sickness or injury occurs on the cruise ship and requires medical attention, many people are surprised to find they could be charged at private rates. That’s why when taking a cruise which has a doctor on-board, you’ll find that many travellers arrange cruise travel insurance so that cover is available for their on-board medical expenses, the cost of emergency medical evacuation from the cruise ship by helicopter to the mainland and when overseas, their medical expenses.
Taking out an international travel insurance policy with cruise cover for a cruise in Australian waters gives you the advantage of overseas emergency medical benefits including:
Overseas 24/7 emergency medical assistance
Overseas emergency medical and hospital expenses
Overseas emergency medical evacuation and repatriation
You'll also be able to access Australian medical facilities. If you become seriously sick or injured during your cruise and medical treatment is not available on-board the cruise ship, cover is extended to allow for you to be evacuated to a location where Australian emergency services (including an ambulance or Royal Flying Doctor Service) can pick you up and transfer you to an for treatment if you are injured or become sick.*
In circumstances where you become unexpectedly injured or sick and require medical evacuation or repatriation to Australia, you may be able to use your Medicare card and your private health insurance to cover the medical expenses from the time you’re transferred to the ambulance or Royal Flying Doctor Service.
Who can get cruise travel insurance?
Whether it’s your first time cruising or you’re a seasoned cruise goer, Fast Cover’s cruise travel insurance is designed to provide cover for a wide range of Aussies going on cruise holidays including:
Seniors and retirees enjoying retirement on a cruise
Solo travellers exploring new horizons
Couples enjoying a romantic cruise or engagement
Families going on a family cruise holiday
Who can get cruise travel insurance?
Whether it’s your first time cruising or you’re a seasoned cruise goer, Fast Cover’s cruise travel insurance is designed to provide cover for a wide range of Aussies going on cruise holidays including:
Seniors and retirees enjoying retirement on a cruise
Solo travellers exploring new horizons
Couples enjoying a romantic cruise or engagement
Families going on a family cruise holiday
Do I need travel insurance for a cruise?
Whether you plan to go on a cruise in Australia or overseas, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Cruise travel insurance can help better prepare you to deal with unexpected and unforeseen situations that could impact your cruise holiday should the unexpected happen.
Here are some situations to consider when deciding if you need travel insurance for cruising and whether your travel insurance policy can provide cover for these situations on your next cruise trip:
Becoming unexpectedly sick or injured could force you to cancel your cruise trip. Rescheduling a cancelled cruise holiday and dealing with lost deposits and non-refundable cruise tickets, flights and accommodation can become stressful and expensive. Consider if your cruise travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your cruise holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your cruise travel insurance can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for new transport to get to your destination or cruise. Consider if your cruise travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.
If your scheduled transport to your cruise or on-shore tour package is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.
Do I need travel insurance for a cruise?
Whether you plan to go on a cruise in Australia or overseas, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. Cruise travel insurance can help better prepare you to deal with unexpected and unforeseen situations that could impact your cruise holiday should the unexpected happen.
Here are some situations to consider when deciding if you need travel insurance for cruising and whether your travel insurance policy can provide cover for these situations on your next cruise trip:
Becoming unexpectedly sick or injured could force you to cancel your cruise trip. Rescheduling a cancelled cruise holiday and dealing with lost deposits and non-refundable cruise tickets, flights and accommodation can become stressful and expensive. Consider if your cruise travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your cruise holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your cruise travel insurance can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for new transport to get to your destination or cruise. Consider if your cruise travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.
If your scheduled transport to your cruise or on-shore tour package is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.
What is the best cruise travel insurance?
The best cruise travel insurance can be considered as a policy that provides cover for the type of trip that you’re taking. When looking for the best cruise travel insurance, it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do during your on-shore excursions, who you are travelling with and other considerations and situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best cruise travel insurance that may also help you compare cruise travel insurance policies to help you decide which policy is right for you:
Will you be renting a vehicle during your on-shore excursions?
You may wish to check whether the cruise travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.
Are you planning to do any adventurous activities while visiting cruise destinations?
You may wish to check whether the cruise travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.
Have you booked your cruise tickets, any tours, accommodation or flights?
You may wish to consider whether the cruise travel insurance policy includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.
Are you planning a solo adventure, a family cruise during the school holidays, or perhaps a romantic cruise getaway in your golden years?
You may wish to check whether the cruise travel insurance policy provides cover for singles, couples and families. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is the best cruise travel insurance?
The best cruise travel insurance can be considered as a policy that provides cover for the type of trip that you’re taking. When looking for the best cruise travel insurance, it’s important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do during your on-shore excursions, who you are travelling with and other considerations and situations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best cruise travel insurance that may also help you compare cruise travel insurance policies to help you decide which policy is right for you:
Will you be renting a vehicle during your on-shore excursions?
You may wish to check whether the cruise travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.
Are you planning to do any adventurous activities while visiting cruise destinations?
You may wish to check whether the cruise travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional premium and may have age limits and other conditions of cover.
Have you booked your cruise tickets, any tours, accommodation or flights?
You may wish to consider whether the cruise travel insurance policy includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.
Are you planning a solo adventure, a family cruise during the school holidays, or perhaps a romantic cruise getaway in your golden years?
You may wish to check whether the cruise travel insurance policy provides cover for singles, couples and families. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is not covered in our cruise travel insurance?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Sometimes it happens - severe weather may prevent your cruise ship from being able to dock at a port. While there is no cover on your cruise travel insurance policy for missing a port, you can put a claim in for any shore excursions that you've already paid for at that destination.
Unfortunately, if you're confined to your cabin because there's a viral outbreak on-board your cruise ship, the policy does not provide cover for you not being able to enjoy everything that the cruise ship has to offer. If you do unexpectedly contract a virus, however, and need to see the doctor, you can put in a claim for the medical expenses you incur, and also for any shore excursions that you’ve already paid for, and are now not able to participate in.
If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you take a swim on the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.
You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you, or keep them locked up in your cabin.
Perhaps the weather was disappointing or the events and onshore excursions on the cruise itinerary didn’t live up to your expectations. Whatever the reason you’re unhappy with how your cruise holiday has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, moped or scooter while on an on-shore cruise excursion, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas and within Australia.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events can be considered as serious situations from natural disasters like earthquakes and volcanic eruptions to disease outbreaks which can affect your holiday plans and also the cover on your overseas travel insurance policy.
If you buy your international travel insurance after an event is known, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What is not covered in our cruise travel insurance?
It’s important to know not just what your travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
Sometimes it happens - severe weather may prevent your cruise ship from being able to dock at a port. While there is no cover on your cruise travel insurance policy for missing a port, you can put a claim in for any shore excursions that you've already paid for at that destination.
Unfortunately, if you're confined to your cabin because there's a viral outbreak on-board your cruise ship, the policy does not provide cover for you not being able to enjoy everything that the cruise ship has to offer. If you do unexpectedly contract a virus, however, and need to see the doctor, you can put in a claim for the medical expenses you incur, and also for any shore excursions that you’ve already paid for, and are now not able to participate in.
If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the deck chairs while you take a swim on the cruise pool, this may be considered leaving your belongings unattended, in which case you may not be covered.
You must take care to reasonably protect and secure your luggage and personal effects at all times. Make sure that you have your belongings with you, or keep them locked up in your cabin.
Perhaps the weather was disappointing or the events and onshore excursions on the cruise itinerary didn’t live up to your expectations. Whatever the reason you’re unhappy with how your cruise holiday has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, moped or scooter while on an on-shore cruise excursion, and you didn’t add the Motorcycle Pack to your international travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas and within Australia.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory of Do Not Travel (or equivalent if this term is replaced) was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel (or equivalent if this term is replaced) warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events can be considered as serious situations from natural disasters like earthquakes and volcanic eruptions to disease outbreaks which can affect your holiday plans and also the cover on your overseas travel insurance policy.
If you buy your international travel insurance after an event is known, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
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