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Cruise Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- Unlimited medical emergency expenses cover with 24/7 emergency medical helpline
- Unlimited cancellation cover available
- No upper age limit
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What is Cruise Travel Insurance and why do you need it?
Cruise Travel Insurance is designed specifically to cover for your cruise.
- Tailored for cruise holidays: Unlike general Travel Insurance, Cruise Travel Insurance offers specialised cover for cruise-specific situations, such as cabin confinement, onboard medical issues, and emergency care at sea.
- Medical conditions: If you have a pre-existing medical condition, Cruise Travel Insurance is important, as it includes protection for incidents unique to cruises. Without it, if you needed an emergency air evacuation from the South Pacific back to Australia, you could face bills running into tens of thousands of dollars.
Without Cruise Trip Insurance, you would have to pay for a single emergency visit on board or during trips with costs rising if you need other specialised services (x-ray etc). These costs could quickly get out of hand. You could lose money if your cruise is cancelled or stopped, and you might not be allowed to board if you don’t have the right insurance. That’s why many cruise companies need you to have full travel insurance before you set sail. Having the right policy lets you enjoy your cruise with peace of mind.
To get cruise travel insurance, just buy your Travel Insurance and add cruise cover while getting your quote. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear’s Cruise Insurance cover?
Travelling on a cruise is fun and exciting, but things can go wrong. This includes medical emergencies, missed departures, cancellations, and being confined to your cabin if you get sick on board. AllClear offers full cruise cover, even for those with pre-existing conditions.
What's covered?
Cover for getting to Australia if there's a medical emergency during your cruise.
Covers you if you have to cancel or cut short your cruise due to unexpected events.
Protects your bags if they’re lost, stolen, or damaged.
Pays for travel and places to stay if you miss your cruise departure and need to join at the next stop.
Cover for missed stops due to bad weather or schedule changes.
Compensation if you're stuck in your cabin by the ship’s doctor due to sickness.
Get money if you miss an excursion due to an accident, injury, or sickness.
Pays for a friend or relative to stay with you during treatment or to come and help you if needed.
What’s not covered?
Claims that are less than the policy's excess amount are not covered.
Only covers the region you picked when buying the policy.
No cover for claims related to known events or circumstances when booking the trip or insurance.
You must declare all countries your ship will visit, even if you don't plan to get off.
Without cruise cover, standard travel insurance does not cover cruises
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Levels of Travel Insurance cover
We offer two levels of cover: Gold Plus and Gold. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Why choose
AllClear Travel Insurance?
94%
of reviews rate us Excellent or Great. Based on 1900+ Trustpilot reviews, July 2025
98%
of customers would recommend AllClear to family and friends. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
99%+
of customers would consider buying from us again. Based on AllClear’s post purchase survey, 373 responses, correct as of 29/05/25
How to find the best Travel Insurance for cruises
To find the best travel insurance for cruises, choose the plan that fits your needs and travel style.
Whatever your travel style, we have options to suit everyone.
Annual Multi-trip Travel Insurance
Good for frequent cruisers. Covers all trips within a year and can be cheaper than buying separate policies for each trip.
Single Trip Travel Insurance
Best for those planning a single cruise within a year, this policy gives you full cover for one trip.
Tailor your Travel Insurance for your needs
With comprehensive Travel Insurance, you can relax, knowing that your holidays are protected against the unexpected.
Pre-existing Medical Conditions
For your peace of mind, get comprehensive Medical Travel Insurance including diabetes, heart disease and cancer.
Seniors Travel Insurance
This policy is for older travellers. It covers medical costs, including those related to pre-existing conditions, while you’re at sea or onshore.
Cancellation cover
Take out cancellation cover early to protect your expenses on transport, accommodation, package holidays, and enjoy peace of mind when travelling.
Destinations covered in Travel Insurance
When planning an overseas trip, it’s crucial to get the right level of cover for your destination. Travel Insurance for international trips protects you against unexpected events.
Domestic
Travel insurance for Australian cruises provides cover for medical emergencies, trip cancellations, and lost bags on domestic cruises.
Europe
Ideal for European and Mediterranean cruises, including river cruises. It covers medical emergencies, trip cancellations, and lost luggage, providing peace of mind for travellers exploring Europe’s waters and destinations.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
AllClear’s Travel Insurance for pre-existing medical conditions
AllClear specialises in travel insurance with pre-existing medical conditions.
Here are some of the main conditions we can cover:
Our experts say
“Travel doesn't always go as planned. Travel insurance covers unexpected events, whether you are travelling overseas or within Australia. Without it, you or your family could face significant costs if you have a medical emergency."
What our customers say
“As one of us is over 80 years old and going on a cruise outside Australia, we needed age specific travel insurance. The operator explained everything clearly and was very helpful.”
see full reviewFAQs
Do you need special travel insurance for a cruise holiday?
Yes, you need special travel insurance for a cruise holiday. Standard travel insurance won’t cover cruise-specific issues like being stuck in your cabin or missed port departures. Cruise holiday insurance is made to meet these needs, giving you full protection throughout your journey.
Do you need cruise travel insurance for a cruise in Australian waters?
Yes, domestic cruise holiday insurance is essential, even for cruises in Australian waters. It covers emergencies which are not usually covered by standard domestic travel insurance, such as evacuations at sea, or cabin confinements due to illness. This makes sure you have the protection you need for any unexpected events during your cruise.
Does travel insurance cover medical costs while you're on a cruise?
Yes, cruise insurance covers medical costs while you're on a cruise. This often includes treatment for illnesses or injuries that happen on the ship, as well as emergency medical evacuations if needed. With this cover, you’ll have fewer out-of-pocket expenses for medical care during your trip.
What happens if you need emergency medical help during the cruise?
If you need medical help during the cruise, your cruise travel insurance can cover the costs of treatment provided by the ship’s medical staff. It can also cover emergency medical evacuation to a hospital onshore if you get sick or injured. This means you get the care you need without worrying about the costs.
Are you covered by Medicare on an Australian cruise?
No, Medicare does not cover medical costs on an Australian cruise. While on a cruise, you are considered to be in international waters, and Medicare does not apply. This is why cruise trip insurance is crucial to cover any medical costs you may have during your trip.
Can you buy travel insurance after booking a cruise?
Yes, you can buy travel insurance after booking a cruise. But, it's best to buy it as soon as possible to make sure you're covered for any unexpected events that may happen before your trip. Buying early gives you peace of mind and financial protection in case you need to cancel your holiday before you go.
Are you covered for the time you spend on land during your cruise trip?
Yes, cruise travel insurance covers the time you spend on land during your cruise trip. This includes cover for excursions and any unexpected events that may happen while you are off the ship.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence
