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9 reasons why you’ll want travel insurance on your next cruise

Number three is an important one

A young girl kisses her father on the cheek as they take a break from snorkelling while a cruiseship sits in the background
A young girl kisses her father on the cheek as they take a break from snorkelling while a cruiseship sits in the background

Exploring the world by sea on a luxury cruise. You might be sipping cocktails while island-hopping around the South Pacific or spotting wildlife on an Alaskan adventure, or exploring Australia’s inland waterways on a Murray River houseboat. However, you’re cruising, we can help cover mishaps should you head into choppy waters.

We hope your cruise goes swimmingly, punctuated with no more than island stops, tropical snorkels and sunset dinners. But if you were to become unwell, have an accident or medical emergency, or the weather messes with your plans, we’re here to help you navigate your way to help.

nib Travel Insurance can cover you for cruise-related events, such as:

  1. 1

    Sudden illness: It’s all fun and games until someone eats a dodgy prawn, or life on the high seas messes with your tummy and seasickness joins you on your cruise.

  2. 2

    Unexpected delays: What would you do if your flight is delayed and you don’t think you’ll be able to join your cruise on time?

  3. 3

    Lost luggage: Your bags containing that sequin gown and slingbacks for your Captain’s dinner is accidentally lost, stolen or damaged.

  4. 4

    Loss of income: you might be retrenched from your permanent employment in Australia before you start your cruise.

  5. 5

    Bad weather: an unexpected storm means you miss a paid-form shore excursion because your cruise is delayed.

  6. 6

    Medical evacuation: All nib Travel's insurance plans include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.

  7. 7

    COVID-19: Cover for some coronavirus-related events is available on all our plans (excl. the Cancellation and Additional Expenses Plan), but the types of benefits and benefit limits vary. As much as we’d love the plans to cover every coronavirus-related scenario, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) carefully to know what is, and isn’t, covered. The Coronavirus Travel Costs benefit is available on the International Comprehensive, Australian Travel and Annual Multi Trip plans. Plans including Coronavirus Travel Costs can provide cover for several coronavirus related events, including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus, up to the relevant benefit limit.

  8. 8

    Home or away: Even when cruising just off the coast of Australia, for example, to Norfolk Island which is outside Australian coastal waters, one of our international plans will need to be chosen in order to have cover on board for medical treatment. Medical facilities aboard cruise ships and the destinations visited by cruises may not be accepted by Medicare. Our domestic plans can offer cover for inland river cruises within Australia.

  9. 9

    International illness: we’ll help if you’re sick overseas with our Overseas Medical Benefit. All nib International Travel Insurance plans include cover for overseas medical expenses. As always, these are subject to the terms, conditions, limitations and exclusions around existing medical conditions.

Once you’ve chosen and bought the right policy for you, your next big decision is which sunlounger to retreat to, and which cocktail to order. Bon voyage!

Travelling soon? Consider nib Travel Insurance and get a quote

To learn more about what’s covered, see nib travel insurance. nib health insurance members get a 10% discount off their travel insurance.* 

This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read the Product Disclosure Statement (PDS) before buying.

nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193. 

*The discount applies to the total nib travel insurance premium and is for members that currently hold an Australian health insurance product, an Overseas Student Health Cover product or an Overseas Visitors Health Cover product with nib. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.