fbpx
Savvy logo
1300 974 066
Savvy logo

Compare Cruise Travel Insurance

Setting sail on your next holiday? Compare cruise travel insurance with Savvy. 

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 4th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

Compare Travel Insurance Quotes in 30 Seconds

Get a Free Quote
  • 100% free to use. No obligation.

Shopping around is one of those tried-and-true methods of finding the right travel insurance, no matter where you’re heading. If you’re setting off on a domestic or international cruise, compare your options with Savvy today.

When you look at your options with us, you’ll be able to consider the pros and cons of each cruise travel insurance policy to find the one that’s perfect for your next holiday. Before you pack your deck chair and sun hat, compare with Savvy today.

How do I compare cruise travel insurance policies?

When it comes to taking a cruise holiday, finding the best travel insurance for your journey can give you added peace of mind as you’re sailing the high seas. By comparing your quotes with Savvy, you can take the guesswork out of making a decision when tossing up which deal is best for you. Savvy has some handy tips for how to compare and find the right cruise travel insurance for your next getaway:

Compare the prices

Taking a cruise holiday can be expensive. The cost of the cruise itself, flights or travel needed to make it to the ship and any onboard or shore excursions can start to add up. When you’re looking to buy travel insurance, it can be handy to save a bit of money and compare the cost of your premiums and excess. By doing a comparison of prices on your travel insurance quotes, you’ll have a better shot of finding a cheaper alternative which still covers you for what you need.

Inclusions and exclusions

Benefits vary slightly depending on your chosen policy, so it’s essential to do your homework and find a set of inclusions that suit your travel needs. For example, if you suffer from a pre-existing condition, comparing and finding a travel insurance policy with cruise cover which covers it could save you thousands of dollars if you require medical treatment from the onboard doctor.

Claim limits

Consider the financial limits of your benefits and find a set that suits your next cruise holiday. If you need to claim against your policy, insurers allow you to claim up to a set limit. For example, certain insurers will allow you to claim up to $100 or more per day for cabin confinement, while others only let you claim $50 daily. Comparing with Savvy will allow you to find a set of limits sufficient for your next trip.

Consider the coverage you need

Insurers offer basic and comprehensive coverage if you want to take out a travel insurance policy. While taking out the bare minimum cover can be enticing, comparing your options will allow you to see which suits you best. For example, if you’re over 70 years old, comprehensive travel insurance may be a better option, while those travelling light may only wish to take out basic cover.

Optional extras

Many travel insurers require you to take out additional coverage if you’re partaking in ‘high risk’ shore excursions, whether it be scuba diving or a spot of rock climbing. Some providers automatically offer these under their standard policies, so it’s worth doing a quick comparison so you can prioritise those who offer cheaper coverage.

How do I compare the different types of cruise travel insurance?

Travel insurance providers offer a wide range of policies, so it’s always handy to compare them to help you find one which suits you and your holiday to a tee. Most insurance companies will offer the following policies, which you can compare with Savvy:

Domestic

You may only be cruising around the Australian coastline, but that doesn’t mean you should scrimp on travel insurance. Many cruises won’t cover medical expenses while you’re onboard, so it’s an essential piece of protection to have. Compare different policies and make sure you’re covered for things such as seasickness and cabin confinement under your domestic cruise travel insurance.

International

Are you considering travelling to New Zealand and cruising along the Bay of Islands? Compare with Savvy and find the best international travel insurance policy which covers you for everything from emergency evacuations to the loss or damage of your baggage. Also, ensure you seek out a policy with adequate health coverage for your trip, as you could end up paying a stack of money for an onboard visit to the doctor. For example, if you travel to America and are required to be evacuated, it could cost you dearly.

Basic

If you’re taking a cruise on the cheap, you can opt for basic coverage, which covers you for the bare necessities while at sea. Some of the benefits of these policies include emergency medical or dental coverage and optional protection if you lose your luggage. It’s best to compare to ensure you get the best bang for your buck.

Comprehensive

A comprehensive travel insurance policy could be just the ticket if you want top-of-the-line coverage while on holiday. These policies cover you for any cancellation fees or forfeited deposits, as well as some of the standard extras if pay to do your homework. However, some benefits and inclusions, such as coverage for the excess on a rental car, may not be automatically included in some policies, making them extra important to compare.

Single-trip policy

These types of one-off policies can be suitable if you’re more of a once-a-year cruise ship passenger. Look around at some policies and compare variables, such as different claim limits, to ensure you’re getting the most out of your policy.

Annual policy

Cruises can be the perfect way to soak up an overseas locale or a coastline that’s right on your doorstep. If you’re a familiar face on cruise liners, an annual or multi-trip option could be cheaper than taking out individual policies for every trip you take. While these policies cover you across 12 months, the maximum number of days you’re allowed to be away from home at any given time can vary between 15 and 90, so it pays to compare so you can make the most out of your policy.

How do I get the best price on my cruise travel insurance?

Getting the best price on your cruise travel insurance can come down to knowing some nifty tips and tricks. Some of the ways you can save money on your policy include:

  • Choose a higher excess: most travel insurance policies come with excesses ranging between $100 and $250, payable only if you make a claim. However, if you’re willing to pay a more significant out-of-pocket amount, you can reduce the price of your premium upfront.
  • Compare your options with Savvy: when looking around for that perfect policy, comparing it with Savvy can save you a great deal of time and money. You’ll be able to weigh up the advantages and disadvantages of each policy to see which offers the most benefit for you without breaking the bank.
  • Consider your destinations: most travel insurance providers will give you the choice of either global coverage or handpicking the countries you will be travelling to. While worldwide cover can be fuss-free and handy, choosing cover for only the countries you intend on visiting can be cheaper.
  • Think about your travelling party: taking a cruise with your spouse or heading off on a week off with a group of friends? Consider rolling your partner, family or other members of your travelling group into your policy to save money. Most providers will let you include up to 25 people on one policy, which may be cheaper overall when the cost is split between your group.

Types of travel insurance

International

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

Domestic

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

One-way

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

Cruise

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Seniors

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Ski

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Families

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

Couples

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

airplane icon

Reputable insurance partners

We’re partnered with some of Australia’s most trusted travel insurance providers, enabling you to compare quality offers.
hourglass-icon

Fast and convenient online process

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

thumbs up icon

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked cruise travel insurance questions

What islands are covered by domestic cruise travel insurance?

If you’re cruising in Australian waters, many travel insurance companies will only cover you if your ocean liner follows the domestic coastline. However, there are a few islands that are covered, including:

  • Torres Strait Island
  • Montebello Islands
  • Albrohos Islands

 

Islands that are usually not covered by domestic policies include:

  • Ashmore Reef
  • Norfolk Island
  • Thursday Island
  • Lord Howe Island
  • Christmas Island
Do I need medical cover on a domestic cruise?

Yes – if you’re taking a domestic cruise, medical cover is essential. Unfortunately, you often won’t be covered by Medicare or your private health provider once your ship departs the port, as many foreign-owned cruise ships won’t have Medicare-billable doctors onboard. As such, if you don’t have coverage, you’ll have to pay out of pocket for any treatment.

How do I make a claim online?

Claiming through your provider is usually pretty uncomplicated. Most travel insurance companies require you to follow a few simple steps to process your claim, and they’ll usually get back to you within ten working days. These steps include:

  • Enter your policy number and email
  • Complete the claim form with ample detail
  • Attach any supporting documents to back up your claim
  • Submit your claim
  • Wait to hear back from your travel insurance provider
How do I compare seniors’ cruise travel insurance?

If you’re a mature-aged cruise passenger looking for the perfect seniors’ travel insurance policy, it’s important to compare so you can find a policy which is the best fit for you. For example, policies tend to come with age limits, which can start at 75 and can reach 130 years old. Some even have no limits at all, so it pays to compare to find a set of limitations that suit you.

Do I need cruise travel insurance if I’m taking a one-night cruise?

Many travel insurance providers who offer cruise cover as an additional extra don’t require you to take out cruise cover if you’re taking an overnight cruise. These insurers will only require you to purchase extra coverage if you’re sailing for more than two nights. You can also be automatically covered if your provider already covers cruises as part of their policy.

Am I covered for COVID-19-related costs?

Yes – many travel insurance policies cover travellers for medical expenses relating to COVID-19 while you’re at sea. However, there are only certain providers whose travel insurance policies cover COVID-19-related cancellations or delays, so it’s important to compare from a range of options.

Helpful travel insurance guides

Travel Insurance Banner - Young couple sitting on fold-out chairs next to their caravan.

Cheap Domestic Travel Insurance

Compare with Savvy and find a cheap travel insurance deal for your next domestic holiday. Compare Travel Insurance Quotes in...

Travel Insurance Banner - Father pointing out the window at the airport with his son.

What is Travel Insurance?

Compare with Savvy and find out more about what travel insurance is today. Compare Travel Insurance Quotes in 30 Seconds...

Travel Insurance Banner - Young couple with their baby checking into a hotel with a young female concierge.

Best International Travel Insurance

Travelling abroad? Compare policies and find your international travel insurance here with Savvy. Compare Travel Insurance Quotes in 30 Seconds...

Travel Insurance Banner - Couple holding hands at the airport looking out over the runway.

Why Do I Need Travel Insurance?

Asking yourself why you need travel insurance for your holiday? Compare with Savvy and understand the benefits. Compare Travel Insurance...

Explore your travel insurance options for your next destination

Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

1300 974 066

Sign up to our newsletter

Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.

Savvy logo

© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

Savvy logo

1300 974 066

Sign up to our newsletter

Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.

Travel Insurance Banner - Group of women smiling and enjoying drinks on a cruise.

We'd love to chat, how can we help?

By clicking "Submit", you agree to be contacted by a Savvy broker and to receive communications from Savvy which you can unsubscribe from at any time. Read our Privacy Policy.