See plans and get a quote
There’s nothing like a cruise to feed the soul and broaden the mind. And nothing like the unexpected to put a dampener on your plans.
With over 30 years’ experience in travel insurance, covering more than 3.8 million journeys every year, Cover-More is the perfect travel (and cruising) companion. Cover-More helps you explore the world with confidence by ensuring you are covered for general medical expenses overseas, existing medical conditions, hospitalisation and medical evacuations~.
If something goes wrong, you want expert help fast so you can keep travelling.
Travel insurance for all your cruising needs
Budget Plan
- Our most affordable insurance especially for cruises
- On-trip cover if you’re diagnosed with COVID-19*
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Up to $5 million of emergency overseas medical expenses~* - Missed cruise departure cover
- Amendment or cancellation costs*
Comprehensive Plan
- On-trip cover if you’re diagnosed with COVID-19 (including cabin confinement)*
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Up to $10 million of overseas emergency medical expenses~* - Missed cruise departure, port and connections cover*
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Up to $8,000 luggage cover⬩ - Amendment or cancellation costs^
- Existing medical conditions cover available.
(To ensure your Existing Medical Condition is covered, read page 21 of the PDS)
Premium Plan
- Pre-trip cover if you’re diagnosed with COVID-19#*
- On-trip cover if you’re diagnosed with COVID-19 (including cabin confinement)*
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$Unlimited overseas emergency medical expenses~* - Missed cruise departure, port and connections cover*
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Up to $15,000 luggage cover⬩ - Amendment or cancellation costs^*
~Cover will not exceed 12 months from onset of the illness, condition or injury. To ensure your Existing Medical Condition is covered, read page 21 of the PDS. ^Cover chosen applies per policy. Read page 14 of the PDS for more information. *Sub-limits apply. Read the PDS for more information. #If you bought the policy within the 21 days before your scheduled trip departure date, we will only cover the travel costs that you paid for in the 48 hour period before buying your policy and after buying this policy. ⬩ Sub-limits and item limits apply. You may wish to increase these items limits, read the PDS for more information.
Doing more than relaxing?
If you plan on participating in sports such as scuba diving or parasailing, a premium may apply.
Special Note For New Caledonia
Guests traveling on a South Pacific cruise that calls on New Caledonia must hold a valid international travel insurance policy and present printed proof of this travel insurance at time of check-in. Guests may also be requested to present it during the cruise. Any guest who is unable to provide proof of holding suitable travel insurance will be denied boarding.
Frequently Asked Questions
Will Medicare cover me for a domestic cruise in Australia?
Not all domestic cruise ships have access to a Medicare accessible doctor on board. If you need to see a GP while on a domestic cruise, the cost won’t be covered by Medicare in these cases and – you may have to pay for it yourself in full.
At Cover-More, we can provide cover for these expenses when you tell us you are travelling on a cruise for two or more nights (except for river cruises within Australia). An additional premium will need to be paid and cruise cover benefits will then be available on your policy.
Do I need to buy Cover-More cruise insurance benefits separately?
When generating a Cover-More travel insurance quote – the first step in buying our cover – you will be asked if you are travelling on a cruise for two or more nights (except for river cruises in Australia). An additional premium will be applied to your policy and the cruise cover benefits will be available once the premium is paid and the Certificate of Insurance issued.
To buy cover for a domestic cruise in Australia, select “Domestic Cruise” as the destination in the quote box, and answer the cruise question when prompted. To buy cover for an international cruise, select the country or region or “Anywhere in the World” as your destination, and answer the cruise question when prompted.
Before protecting your trip with our Cover-More cruise insurance benefits, please read the PDSto ensure our product is right for you.
Can I buy Cover-More cruise insurance benefits once I’m on my cruise?
No. For cruise cover to apply, your travel insurance policy must include our Cruise Cover and must be purchased before you leave home. This also includes before you catch any flights or transportation required to get to your departing port.
Do Cover-More cruise insurance benefits cover me if I become ill with COVID-19 while on a cruise?
Our Cruise Cover benefit includes cover for onboard emergency medical and dental expenses and ship-to-shore medical expenses incurred by travellers on multi-night cruises. If you fall ill with COVID-19 while on board a cruise, we can help you financially and provide emergency assistance support if required.
For more information on what is and isn’t covered regarding COVID-19 while you’re on a multi-night cruise, please read the PDS. For Cover-More’s COVID-19 FAQs you can read here.
If I cancel my policy before travelling, can I get a refund?
If for some reason you change your mind about your insurance purchase, Cover-More policies give you peace of mind by offering a ‘cooling off period’ of 21 days. During this time, you can obtain a full refund if you haven’t made a claim and your departure date has not passed. If you need to cancel your policy, please phone1300 72 88 22
What happens if things go wrong?
Your claim will be managed by Cover-More. You can make a claim onlineor call Cover-More, 8am-5pm Mon – Fri and 9am-4pm Sat (Sydney/Melbourne time)
Within Australia: Call Cover-More on 1300 467 951
From overseas: Call Cover-More on +612 8907 5060 (call charges may apply)
Disclosure: Carnival Cruise Line has a referral arrangement with Cover-More and may receive a fee or commission if you choose to purchase an insurance product from Cover-More. Limits, sub-limits, conditions and exclusions apply. Insurance administered by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited [ABN 13 000 296 640, AFSL 232507). Any advice is general advice only. Please consider your financial situation, needs and objectives and read the Combined FSG/PDS before deciding to buy this insurance. For information on the Target Market and Target Market Determination for these products, contact Cover-More on 1300 77 88 22
Travel Insurance. Stay worry-free at sea.
With over 30 years’ experience in travel insurance, covering more than 3.8 million journeys every year, Cover-More is the perfect travel (and cruising) companion.
See plans and get a quote
