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Travel insurance for cruises

Compare travel insurance options for your cruise, with 15% off for RACV Members

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International cruise cover
Types of cruises
Australian cover
Frequently asked questions
Assistance and support
Medical conditions
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RACV Travel Insurance $20K giveaway

You could win a share of $20,000 in prepaid gift cards with RACV Travel Insurance. Purchase a new policy by 30 September 2024 and you'll automatically go into the draw for a chance to win. Terms and conditions apply.

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Consider travel cover before your cruise

Going on an ocean cruise for more than one night? Consider an RACV Travel Insurance policy with optional cover for cruises.

  • Choose from a range of policies to cover international and Australian cruises.
  • A range of benefits, depending on the policy you choose — such as medical expenses, stolen or lost luggage, cancellation fees, and emergency expenses.
  • RACV Members save 15% on all travel insurance policies.
  • Select the cruise option when you buy your policy. You may need to pay an additional premium.

Compare international policies for your cruise

Find a full list of inclusions and exclusions for all policies in the Product Disclosure Statement.

Most popular

Comprehensive

RACV Members save
15%
on all travel insurance policies

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Essentials

RACV Members save
15%
on all travel insurance policies

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Basics

RACV Members save
15%
on all travel insurance policies

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#Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

**$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital.

Types of cruises

River cruises

Cover for international and domestic river cruising is included automatically in your policy. You do not need to select the Cruise option.

Ocean cruises

For ocean cruises of more than one night, select the cruise option when you buy your policy.

Cruises only in Australian waters or calling into Australian ports

You may still need a policy with medical cover while on board, if the medical provider is not registered with Medicare. Check with your cruise provider.

Why consider cover for Australian cruises

24/7 emergency assistance

Get overseas emergency assistance 24-hours a day. Make a claim online any time. 

Medical expenses, including evacuation

Some cruise ship medical providers are not covered by Medicare. Check with your cruise provider if you need medical cover. 

Lost or delayed luggage

Domestic plan includes $7,500 for lost or stolen luggage, $500 for delayed luggage and $250 for personal money#.

Cancellation fees

Domestic plan includes cover for cancellations and lost deposits due to unforeseen circumstances#.

Emergency expenses

Domestic plan includes up to $25,000 for emergency expenses#.

RACV Members save 15%

Already a Member with us? You’ll save 15% on all travel insurance policies. Check if you’re a member.

# Limits, sub-limits and exclusions apply. For more inclusions check the Product Disclosure Statement.

Frequently asked questions

You have the flexibility to choose when you buy your cover.

You can choose to buy travel insurance as soon as you pay for any part of your trip. This means you're covered in case your trip is cancelled due to unforeseen circumstances.

You can also choose to get RACV Travel Insurance online right before you go. Even if you're just about to leave there's still time to pack an RACV Travel Insurance policy for your trip.

If you’re heading on an international ocean cruise, you can choose from 3 levels of International Travel Insurance:

  • Basics
  • Essentials
  • Comprehensive.

Make sure you select the cruise option when you buy your policy.

Going on a cruise only in Australian waters or calling into Australian ports? You may still need a policy with medical cover while on board, if the medical provider is not registered with Medicare. Check with your cruise provider.

Select Australian Cruise as your country of destination to see your options. You will be offered the international policy options and benefits, including cover for medical and evacuation benefit while at sea. This does not apply if you go to a medical provider while in port in Australia.

Cover for river cruising is included with RACV domestic and international policies. There’s no need to select the cruise option.

RACV Travel Insurance covers 38 medical conditions automatically, provided you meet specific criteria. Some medical conditions are not covered.

Medical conditions not automatically covered:

You can apply for cover by completing a medical assessment. If accepted, you may need to pay an additional premium.

Check which medical conditions are covered.

Browse all FAQs

Assistance and support

Making a claim

Make a claim online 24/7 anytime. You can also call the team for support.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

Medical conditions and things to consider

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.