Compare Cruise Travel Insurance

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

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

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:


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.


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.


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.


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

Why compare travel insurance with Savvy?

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.

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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.

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