Travel alert
Before your trip, check the latest government advice for any travel alerts for your destination.
Travel insurance for domestic or international cruises
Consider protecting your cruise trip and cruise easy with cover that takes you across the seas.
15% off travel insurance for nib Health members*
Cover for adventures on the high seas
Whether you're relaxing on a cruise around the South Pacific or embarking on an Alaskan adventure way off on the horizon, we offer cover should your cruise head into choppy waters.
Learn how our travel insurance plans could help before you set sail into the sunset.
What's covered by travel insurance on a cruise
Our travel insurance policies offer coverage for cruise related events, including, but not limited to:
Sudden illness or injury – if your holiday is ruined by sea-sickness, or you’re injured being tossed around in rough seas, our policies may cover emergency medical treatment, both on board and on shore.
Medical evacuation – we offer cover if you need to be evacuated to medical assistance, or if you need to return to Australia. Keep in mind that once you’re home in Australia, we’re not able to cover ongoing medical costs.
Unexpected delays - if your flights are delayed on the way to your cruise, our policies may cover trip delay.
Lost stolen, or damaged luggage - if your bags are accidentally lost, stolen or damaged we may cover replacement or repair of your items.
Cancellation – if your pre-paid shore activity is cancelled because of severe weather, natural disaster, strike and other events, we may cover the non-refundable portion.
You're covered for publicly available international river cruises, and ocean cruises within Australian waters or International waters⁺.
The features and benefits described are a summary of cover only and cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
⁺What do we mean by International waters? When setting off on your next cruise please be aware that we define International waters as, “the open seas of the world outside the territorial waters of any nation”. In case you were wondering, travelling in international waters in a private sail vessel or privately registered sail vessel is not covered.
Travel insurance plans
Our range of plans means you can choose the level of cover you need to suit the trip you're taking.
International Travel Insurance
From a week in Bali to a month in Europe, we may offer cover for all types of overseas adventures.
Domestic Travel Insurance
Cover for a weekend up the coast, a campervan trip across the country, or somewhere in between.
Annual Multi-Trip
Year-round cover for overseas and domestic travels from your home in Australia for trips of up to 45 days.
Cover that takes you across the seasˆ
Cruise cover
Cover for publicly available cruises, including international ocean or river cruises, and domestic river cruises depending on the plan.
Existing medical conditions
Get automatic cover for more than 40 existing medical conditions, provided all criteria for the condition are met.
Luggage and personal effects
Cover for accidental damage, theft or permanent loss of your luggage and personal effects.
Cancellation costs
Cancellation or holiday deferment costs are included in all plans. Select the limits that suit your holiday.
^ Coverage is subject to the terms, conditions, limitations and exclusions for each policy, as contained in the Product Disclosure Statement. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read the international and domestic Product Disclosure Statement (PDS).
What’s not covered?
While we offer extensive coverage, there are some exclusions, including:
Travelling against medical advice or while unfit to travel.
Incidents related to excessive alcohol or drug consumption.
Engaging in reckless behaviour that puts you in danger.
Leaving luggage or personal items unattended.
Failing to seek refunds or compensation from service providers before claiming expenses.
Does my policy have cruise cover?
Frequently asked questions about cruise cover
Cover is subject to the full terms, conditions, limitations and exclusions outlined in the PDS. Read your policy carefully and contact us if you have any queries.
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.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. 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.