Cruise Travel Insurance
 

• Do I have to purchase the cruise pack to be covered?

• Yes, you are not covered out at sea if you do not purchase the Cruise Pack. You must add it to both Domestic & International cruises. 

• Will My Policy Cover Me for Medical Evacuation Off the Ship?

• Yes, if you’re seriously ill or injured in a remote location (including onboard a ship) and need urgent medical assistance, you should contact our Emergency Assistance Team. Our medical experts will liaise with the medical team onboard the ship and arrange an evacuation for you to the nearest or most suitable hospital for your treatment.
  
  If you're within Australia, once you’re transported to a location where an ambulance or Royal Flying Doctor Service can pick you up, your Medicare card or private health insurance can be used for any medical expenses that you incur. Policy terms, conditions and limitations such as pre-existing medical conditions apply.

• Will My Policy Cover Me Medically on a Domestic Cruise?

• Yes, in the event a medical emergency onboard your cruise, you would be covered for your medical provided that you added the Cruise Pack on to your policy.  If your cruise is along the Australian coastline or within Australian waters, you would need to select the Comprehensive Policy with Cruise Pack add-on. This includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack. You should choose the Australia Cruise or Domestic Cruise region for your destination. Whilst in port or travelling domestically on land, there’s no cover for medical costs (including out-of-pocket expenses) in Australia under your policy.  Once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider.  Your policy will cover you for emergency medical expenses incurred on-board the ship whilst cruising. Basically, where you can use your Medicare Card or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover.  

• Will Medicare Cover Me On A Cruise In Australian Waters? 

• No, once your ship leaves port, even if you're cruising Australian waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. 
  
  If your cruise is in Australian waters, you would need to select a Comprehensive policy with Cruise Pack add-on, choosing the Australia Cruise region. This includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack.  

• Can I Buy A Medical Only Policy a Cruise?

• Our Medical Only policy does not offer the Cruise Pack add-on. To be covered while on your cruise, you’ll need to add the Cruise Pack to your Comprehensive, Frequent Traveller and Already Overseas policy. The Medical Only policy won't cover you on a cruise. 

• How Much Is Healthcare On-Board A Cruise? 

• While on-board a cruise medical costs are quite expensive. Hospital bills can be as much as $5,000 per day. Simple treatments, consultations and medications on board a ship are charged at private rates. This can mean that a doctor’s appointment can be as much as $100. 

• What Destination Do I Choose when buying my policy?

• Please refer to the Cruise Region list on this page. If you’re going on a cruise, you must select the region/s based on the countries the ship will visit.
  
  Travellers on domestic cruises in Australian waters should select the Australia Cruise region to ensure cover for such things as emergency medical assistance and emergency medical and hospital expenses, cancellation fees or lost deposits, and more.

• What Happens If I Come Home Early?

• Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the PDS.

• How do I claim for missed port cover?

• If your cruise has been affected and you wish to make a claim for missed ports, the best way to do this is using our online claim form: https://www.1cover.com.au/claims/making-a-claim. When submitting your claim, please select the benefit type "Other". You will need to provide a copy of your itinerary and a letter from the cruise ship specifying the ports missed and the reason for the missed ports. Please Note: a) our missed ports benefit amount is $250 per missed port, per adult listed on the policy. b) The missed port benefit is capped at a total benefit limit of $750 per Adult. c) A $200 excess applies per policy per event (not per person or per port).

• Does Cruise travel insurance come with covid cover? 

• Our policies cover for medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment whilst on your cruise internationally and domestically. However a cruise pack must be purchased in order to be covered. We do not cover for any cancellation costs or additional costs incurred because of Coronavirus, or for cabin confinement due to Coronavirus. 

• Do you cover for river cruises? 

• You are required to purchase additional cruise insurance for river cruises. Whilst river cruises will have teams onboard to deal with certain medical situations, you will need travel insurance to cover medical expenses onboard as well as medical evacuation should you need it.  

• My cruise stops at multiple destinations. Do I need to list them all?

• You should include all destination countries you'll be visiting, however, you can select a region if you are making multiple stops within the same area. For example, you can choose ‘South Pacific’ or ‘Europe’ or ‘USA’ depending if you are going on a Pacific, Mediterranean or Caribbean cruise. If unsure, list all destinations separately. 

• What is considered a cruise ship?  

• A cruise ship is defined as a ‘Cruise Vessel’ which is a large ship that carries people on voyages for the purpose of leisure travel, typically but not limited to docking temporarily at several ports and places. Please see the PDS for full terms, conditions and definitions.

• Do I need cruise cover for a harbour cruise or boat transportation? 

• No, you do not typically need to add the cruise pack if you are going on a tourist day boat trip for example or if you are getting on a boat for transport to get you from A to B. We define cruising as a large ship that carries people on voyages for the purpose of leisure travel, typically but not limited to docking temporarily at several ports and places. Please see the PDS for full terms, conditions and definitions.

• Can seniors buy cruise travel insurance? 

• Seniors can purchase the cruise pack at any age. However, if you are aged 80 years old or above, a $3,000 Excess applies for all claims arising from, related to or associated with an Injury, Illness or medical condition. 

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