Travel insurance for cruising and river boat cruising

If you are booking cruise ship transportation for your trip, then there are a few things to consider. Travel insurance is available for cruising, provided you take out the appropriate policy that covers you for medical expenses, lost luggage and any delays that may occur while on board the ship.* Some policies require you to specify whether you are going on a cruise or whether you are going on a river cruise, so they are able to cover you for the medical expenses.

What do you classify as a cruise?

Cruise ship in the context of travel insurance means a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and trained medical staff. Fast Cover has cover available for cruise ships, provided you specify this at the time of the policy purchase. Cruise cover can also include cover for non-cruise activities as an add-on to your land portion of the trip. Cruise cover travel insurance can offer coverage for medical expenses, transfers/evacuations and repatriation if you become sick or have to be treated by an on-board doctor including if you need to be taken to the nearest medical facility.*

What do you classify as a river cruise?

A river cruise is a cruise where you are able to see both sides of the docks when on the water. This could be a cruise on the river in Europe or a Viking river cruise. This will depend on which region you will be going to.

But I will be going on open water on a small boat…

If you will be embarking on mini trips in a small boat within domestic waters, this does not require you to specify cruise cover when taking out a policy as they are usually close to the docks and therefore closer to medical facilities.

What if I am operating the boat myself?

If you will be operating a boat by yourself such as a charter, the cruise cover is not an option that you can apply for. You may need to take out the Adventure Pack to be covered for this activity.

When should I specify cruise cover?

If your cruise is a domestic trip within Australia, New Zealand or the Pacific regions for 1 or more nights you need to specify cruise cover when taking out a quote. If you are going on a cruise in the Worldwide, Europe or Asian regions for 4 or more nights you need to specify cruise cover when taking a quote.

Knowing what to choose when purchasing a policy

If you will be on a cruise on the open sea, it might be a good option to choose cruise cover so you can have peace of mind while travelling.

Please note eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS before deciding on which policy is right for you and your needs.