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 there is cover for common cruise-related disruptions.
When Cruise Cover is added to your travel insurance policy, it helps provide cover for:
- Coverage for overseas medical expenses while at sea1
- 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 dependants8
- RACQ members save
15%20% on Travel Insurance++
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.1 -
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.1
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 and read the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) to learn what is and is not covered and which travel insurance policy to choose when going on a cruise.
This section only provides a summary of the policy benefits. Terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
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, the emergency assistance team is just a call away if you need emergency help. This benefit forms part of the RACQ 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, cover is available for medical emergencies while on board the ship. - Medical evacuations and repatriation
If you are cruising internationally, there is cover available for medical evacuation while you are onboard the ship if Cruise Cover has been added to your policy. - 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 conditions3
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
There is cover available to help with 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
There is cover available to help with the reasonable cost of repair or replacement if your luggage or formal attire is lost, stolen, or damaged, 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
There is cover to help 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 conditions3
There is 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
There is cover available to help with the reasonable cost of repair or replacement if your luggage or formal attire is lost, stolen, or damaged, 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
There is cover to help 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.
More travel insurance information
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.1 -
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.
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Contact us onlineFill out our enquiry form and we’ll get back to you. -
Talk to our Travel team at selected store locationsFind your local RACQ Travel store. -
Speak to a travel insurance agent over the phoneCall us on 1300 338 821, Mon-Fri. -
Something not quite right?Find information on how we review and respond to complaints if you have a concern or would like to provide feedback.
Cruise travel insurance FAQs
This section only provides a summary of the policy benefits. Review each section of the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Things to note
++20% discount applies to the premium payable (excluding GST, stamp duty and any other taxes) and is a combination of the RACQ member rate and an additional 5% discount. Promotion is valid for new policies purchased online by 31 July 2026. To redeem this offer, apply promotion code EXTRA5 and provide a valid RACQ membership number to receive 20% off the policy. Non-members can apply promotion code EXTRA5 to receive 5% off the policy. Discount is only combinable with the RACQ member rate.
1Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) for full details. Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
3You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to PDS for full information on medical conditions that are automatically covered.
8Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
RACQ has been recognised by Mozo in 2023 and 2024.
RACQ Operations Pty Ltd (ABN 80 009 663 414, AR No. 234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803, AR No.432492) (RACQ) are authorised representatives of the RACQ Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACQ Travel Insurance as the managing agent on behalf of Tokio Marine. Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available at racq.com or on request from RACQ.