Cruise confidently with our cruise cover
Embark on that dream cruise knowing you're prepared for the unexpected. If your trip includes more than one night on a cruise docking at Australian or international ports, Cruise cover can be added to your international travel insurance policy for an extra premium. With cruise travel insurance, you can relax and enjoy your journey knowing you're protected against common cruise-related disruptions^^.
When you add Cruise cover to your travel insurance policy you get:
- Coverage for overseas medical expenses while at sea^^
- 24/7 medical assistance hotline access
- Medical evacuation and medical costs while on board or at sea
- Coverage for up to two adults and any listed dependants#
- A 15% discount on policies as an RACQ member~~
Please note: if your cruising is limited to a river cruise (either internationally or within Australia) you are already covered in your RACQ Travel Insurance policy and do not need to add the Cruise cover option.
How to add Cruise cover to your RACQ Travel Insurance policy
For eligible cruises, you can add Cruise cover to your travel insurance policy for an additional premium. This optional benefit helps cover unforeseen events while cruising, whether your trip is cruise-only or includes a cruise as part of a broader overseas journey.
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If your ocean/international cruise docks at an Australian port:Select ‘Australian Cruise’ under ‘Destinations’ when purchasing a policy for cruises travelling around Australian ports.##This coverage depends on whether your vessel is commercially operated or privately chartered, and whether it has onboard medical facilities. -
If your international cruise does not dock at an Australian port:Simply select the countries your cruise travels to then choose our Cruise cover option for unexpected events, medical expenses on board or at sea while holidaying on a commercially operated vessel for more than one night on international waters. ^^ -
If you’re going on a river cruise, international or domestic:Cover for both international and domestic river cruising is automatically included in your international or domestic travel insurance policy and you don’t need to select the “Cruise Cover” when getting a travel insurance quote online.For international river cruising, medical evacuation and medical costs will be covered subject to the policy terms and conditions. However, medical expenses and evacuations are not covered for Australian river cruises. While Medicare covers medical treatment within Australia, any medical evacuation costs will be your Responsibility. Cabin confinement and missed ports are not covered for river cruising.^^
What does RACQ Travel Insurance cover for cruises?
RACQ’s Cruise cover can help manage unexpected disruptions while cruising or at sea. Below we’ve outlined the most popular cruise types our customers choose. For other cruise types, including domestic or river cruises, visit our FAQ page to learn what is and is not covered and which travel insurance policy to choose when going on a cruise.
To ensure that RACQ Travel Insurance meets your needs, read our Product Disclosure Statement (PDS) and any applicable Supplementary PDS.
If you are cruising for more than one night on international waters, you can add cruise insurance cover as an optional benefit to your international travel insurance policy for an additional premium. It can help cover expenses related to medical emergencies on board, missed shore excursions, cabin confinement and more. Check the below inclusions for more information:
- 24/7 emergency assistance
No matter where you are, we’re just a call away if you need emergency help. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Medical emergencies at sea^^
When you add the Cruise cover option to your international travel insurance policy, you’re covered for medical emergencies while on board the ship. - Medical evacuations and repatriation^^
If you are cruising internationally, our Cruise cover will ensure you have cover for any medical evacuation while onboard the ship. - Missed Ports^^
If your international cruise misses scheduled ports, and docks at fewer locations than originally planned, you may be covered.
- Cabin confinement^^
If you’re confined to your cabin for more than 24 hours due to illness or injury during an international cruise, you may be covered. - Missed shore excursions^^
If you're unable to participate in a prepaid shore excursion due to circumstances out of your control, you may be covered for the cost of the unused tickets. - Automatically covered medical conditions^^
We provide cover for a variety of common medical conditions - including diabetes and high blood pressure - when specific criteria are met. If you require broader protection, you can apply for additional medical cover. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
- Overseas medical and hospital cover^^
Our international plans have benefits to cover reasonable medical and hospital expenses you may have to pay as a result of an unexpected injury or illness. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Trip cancellation and interruptions ^^
We’ll cover any fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen illness. This benefit forms part of our international travel insurance policy, except under the Saver plan where this benefit is not included. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
- New for old replacement of luggage ^^
In the event of loss, theft or damage to your luggage, or formal attire, we’ll cover the reasonable cost of repair or replacement, subject to the applicable policy limits. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Emergency expenses^^
We’ll pay your emergency expenses if your cruise holiday is rescheduled, cancelled or cut short due to a lost passport, if you are no longer fit for travel, or because of injury or illness to a relative. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
For cruises that depart from or dock at Australian ports, select ‘Australian Cruise’ and include all countries visited if international ports are included in your itinerary. The inclusions outlined below apply to ocean voyages of two nights or more on commercially operated vessels with onboard medical facilities.
- 24/7 emergency assistance
No matter where you are, we’re just a call away if you need emergency help. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Medical emergencies at sea^^
Our Australian Cruise cover option includes cover for medical emergencies while onboard a ship that has medical facilities. - Medical evacuations and repatriation^^
Whether you are cruising from or to Australian ports or offshore islands, our Cruise cover will ensure you have cover for any medical evacuation while onboard the ship. - Missed Ports^^
If your Australian cruise misses scheduled ports, and docks at fewer locations than originally planned, you may be covered.
- Cabin confinement^^
If you’re confined to your cabin for more than 24 hours due to illness or injury during your Australian cruise, you may be covered. - Missed shore excursions^^
If you're unable to participate in a prepaid shore excursion due to circumstances out of your control, you may be covered for the cost of the unused tickets. - Automatically covered medical conditions^^
We provide cover for a variety of common medical conditions - including diabetes and high blood pressure - when specific criteria are met. If you require broader protection, you can apply for additional medical cover. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
- Overseas medical and hospital cover^^
Our international plans have benefits to cover reasonable medical and hospital expenses you may have to pay as a result of an unexpected injury or illness. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Trip cancellation and interruptions ^^
We’ll cover any fees and lost deposits for travel and accommodation arrangements if your trip is cancelled or cut short due to unforeseen illness. This benefit forms part of our international travel insurance policy, except under the Saver plan where this benefit is not included. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
- New for old replacement of luggage ^^
In the event of loss, theft or damage to your luggage, or formal attire, we’ll cover the reasonable cost of repair or replacement, subject to the applicable policy limits. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy. - Emergency expenses^^
We’ll pay your emergency expenses if your cruise holiday is rescheduled, cancelled or cut short due to a lost passport, if you are no longer fit for travel, or because of injury or illness to a relative. This benefit forms part of our international travel insurance policy. When you are travelling on a cruise, it only applies if Cruise cover has been added to your policy.
Why choose RACQ Travel Insurance for your cruise?
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Get help when you need itEmergency assistance is available 24/7 while overseas plus you can lodge a claim on your RACQ Travel Insurance policy online, at any time. -
Customise your travel insurance for your cruise holidayChoose Cruise cover for an added premium to add extra protection to your cruising gateway. -
21-day cooling off periodIf your plans change, you can cancel your policy within 21 days of purchase and get a full refund.^^ -
Award-winning insuranceRACQ Travel Insurance Premium Cover won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.
Top cruise destinations
From tropical island escapes to iconic river cruises, discover some of the world’s most popular cruise destinations. Whether you’re chasing sunshine, culture, or coastal charm, there’s a cruise route to match every kind of traveller.
Discover the remote and rugged Kimberley coast aboard a luxurious small ship on this classic Aussie cruise with a French flavour.
Crown Princess sets a new standard for effortless cruising with a blend of modern technology and personalised service.
It’s not a huge country, but Croatia is blessed with one of the world’s most spectacular coastlines.
Contact us
Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.
Cruise travel insurance FAQs
Things to note
RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS) and the Target Market Determinations (TMDs) that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found here.
Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the 'RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' for full details.
^^Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances.
*$Unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
#Dependants such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.
~~Offer is subject to change/withdrawal without notice.
**Each trip is subject to a maximum duration limit. A maximum duration of either 30, 45, or 60 days per trip can be chosen.
##For cruises departing from Australian ports, select Australian Cruise and include all countries visited if your itinerary includes international ports. If your cruise has medical facilities and trained medical staff on board and the cruise is commercially operated, please also select Australian Cruise. This will ensure you have cover for any medical evacuation and medical costs while overseas or on board. Please note, that Cruise cover doesn’t cover for any medical treatment received in Australia. If your cruise has no medical facilities and staff or is chartered for self-operation, please select Domestic Travel Insurance to get coverage.