Cruising covered when Cruise Trip Extra added at an additional cost to the base policy.
Whether you're puttering around the Mediterranean or voyaging across the Canadian Arctic, cruises are a fabulous way to travel. To get coverage for ocean or sea going cruises outside of Australia that are longer than two nights (multi-night), you’ll need to add our Cruise Trip Extra to your plan (at an additional cost), from the day you board until the day you disembark.
If you fall ill with COVID-19 before or on your trip, you may be able to claim the cost of additional accommodation and expenses because of it. Sub-limits and a special excess apply.
With our Cruise Trip Extra, we may reimburse you for onboard medical or ship-to-shore medical expenses.
If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.
To get cover on your multi-night ocean or seagoing cruise, it is mandatory to add our Cruise Trip Extra for all days you’re onboard, from the day you board to the day you disembark.
All our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard.
~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.
Trip Extras let you build on your base policy, before you go or while you're away. Whether you want increased limits for your valuable items, extra cancellation cover, or pay-per-day cover for activities like skiing, motorcycle riding or cruising - just add what you need.
While river cruising is automatically included in our plans (both domestic and international), travellers hopping on an ocean or sea going cruise for more than two nights (multi-night) in international waters must add our Cruise Trip Extra to the base policy at an additional cost, from the day you board to the day you disembark.
As a cruise passenger, there are many things you can do to make sure you stay in tip-top health for the duration of your journey. In the months leading up to leaving the shore, build up your immune system with diet, exercise and rest. If you have a chronic illness, check in with your doctor six-to-eight weeks before you set sail to check you are fit enough to travel, find out what vaccinations you may need and work out how you’re going to manage your medication.
Pack a little medical kit for minor ailments (think bandaids, burn cream, antiseptic ointment, antifungal cream and the like), and ask your doctor if there are any extra medications – such as antibiotics – that you might need to self-treat certain conditions. If you become unwell on the ship, seek medical advice immediately.
Here are some helpful tips to consider ...
Seasickness is rarely a problem when you’re onboard a cruise ship due to their size and steadiness. However, if it’s something you’re prone to, ask if you can have a cabin on the lower level as close to the centre of the boat as possible. Refrain from having a heavy meal before you board the vessel for the first time, and avoid hitting the booze too hard. Your inner ear canal contains small crystals that are super sensitive to vibration and movement – and lying down to rest can help stabilise you if you feel dizzy or nauseous.
Respiratory illnesses (such as influenza and COVID-19) and gastrointestinal infections are the most commonly reported illnesses onboard cruise ships. Be sure to wash or sanitise your hands regularly, which we should all be good at by now! The buffet can be a bit of a breeding ground for bugs, too – as they thrive in foods kept at room temperature. Let the medical staff onboard know immediately if you start to feel unwell.
Even standing on the deck when it’s cloudy can expose you to high levels of radiation – let alone frolicking on exotic beaches or strolling through local towns licking an ice-cream cone. Cover up with long-sleeved clothing and top up your sunscreen every couple of hours. To avoid dehydration, drink lots of water!
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