There were more than a million Aussies who went on cruises in 2014, with trips ranging between eight and fourteen days being the most popular, according to the CLIA.1
When you’re confined to a luxurious cruise ship for nearly two weeks at a time, what could possibly go wrong on your trip? Well, you could fall ill before you even set sail, and miss the trip altogether. You could accidently drop your wallet into the Pacific Ocean, or slip by the pool and throw out your back out.
A lot can happen when you’re on vacation, especially if you don’t have your sea legs! That’s why it’s such a smart idea to protect yourself and your family with a travel insurance policy while on your cruise. It’s just as easy to get this type of policy as it is to get covered for any regular trip overseas or domestically.
Tips for getting covered on your cruise
Here are some things you should keep in mind when booking travel insurance for your cruise. Keep in mind that not all insurance policies cover all of the below.
Get covered for a variety of activities. Cruises often include great days out on the water to snorkel, Jet Ski, and explore new environments. It’s all fun and games when you’re on vacation, but you need to make sure these activities (partaken on or offshore) are covered by your insurance policy.
Ensure your medical costs are covered. If you’re worried about falling ill on your trip and missing something important on your itinerary, it’s a good idea to seek out a travel insurance policy that covers overseas medical expenses, evacuations, and even pre-existing conditions. Evacuations alone have cost more than $100,000 in certain parts of the world!3
What about Medicare? You can only claim healthcare benefits if you’re travelling between two Australian ports, and are being treated by a Medicare-accredited physician/doctor.2 The cruise operator may not bring a eligible doctor on board.
Reimbursement if you miss out. If you have to cancel the cruise or any activities for unexpected reasons, travel insurance could ensure you get some money back (depending on your policy).
Look after all your gear. There’s something very satisfying about dressing ‘to the nines’, hitting up the restaurant for a nice dinner, and then having a few classy drinks at the bar. If for any reason your suit or dress gets destroyed or nicked, insurance may cover its worth! This kind of coverage extends to a bunch of your belongings, like your phone, camera, laptops, etc (again, depending on the travel cover you have).
Do I need insurance for domestic cruising?
Whether you’re travelling around just a small part of Australia, or partaking in a sprawling tour of Europe, you should at least consider travel insurance. All the above precautions apply to both international and domestic travellers.
Are there any common exclusions?
If you’re docked in an Australian port for an extended period of time, you may not be able to make a claim – depending on if you have an international policy or not.
Going on a different kind of holiday? Find travel insurance based on what kind of traveller you are.