Cruise Travel Insurance | Domestic & International Cruises

Flights booked? Save 20% on the travel insurance premium^^. Use code WW20VAC.

^^Offer available from 8 Dec 2025 to 31 Mar 2026. The 20% discount applies to the travel insurance premium (excluding any applicable stamp duty or GST. T&Cs apply.

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What’s Included

Cruises move differently. They’re part escape, part exploration and shift from shore excursions to sea days. Vacatio World2Cover travel insurance can provide additional cruise cover for your time at sea.

Please see the combined PDS/FSG for more detail of cover in each section, as conditions, exclusions, section limits and sub-limits may apply as set out in each section, and additional sub-limits may apply.

Confinement due to injury or illness

Cover for docking at less ports than originally scheduled

Missed shore excursions due to circumstances beyond your control

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Vacatio World2Cover’s Travel Insurance Plans for Cruises

This table is a summary of the International Plan benefits with optional cruise cover. Please see the combined PDS/FSG for more detail of cover in each section, as conditions, exclusions, section limits and sub-limits may apply as set out in each section, and additional sub limits may apply.

Choose your plan and go explore

Basic Cover

What’s included

$Unlimited* overseas medical and hospital
24/7 overseas medical emergency assistance
Emergency expenses (up to $5,000 per Adult)
Luggage loss, theft, or damage (up to $2,000 per Adult)
38 listed existing medical conditions covered
Most amateur sporting and adventure activities are covered at no extra cost, such as canyoning and hot air ballooning

Top Cover

What’s included

$Unlimited* overseas medical and hospital expenses
Choose your level of cover for cancellation fees and lost deposits due to unforeseen circumstances
24/7 overseas medical emergency assistance
$Unlimited* emergency expenses
Luggage loss, theft, or damage (up to $15,000 per Adult)
Legal liability (up to $10,000,000 per Adult)
Travel agent fees (up to $4,000 per Adult)
Rental car excess (up to $5,000 per Policy)
Travel delay (up to $3,000^^ per Adult)
38 listed existing medical conditions covered
Most amateur sporting and adventure activities are covered at no extra cost such as hot air ballooning and bungee jumping

Essentials Cover

What’s included

$Unlimited* overseas medical and hospital expenses
Choose your level of cover for cancellation fees and lost deposits due to unforeseen circumstances
24/7 overseas medical emergency assistance
Emergency expenses (up to $25,000 per Adult)
Luggage loss, theft, or damage (up to $7,500 per Adult)
Legal liability (up to $10,000,000 per Adult)
38 Listed existing medical conditions covered
Most amateur sporting and adventure activities are covered at no extra cost, such as canyoning and hot air ballooning

*$Unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
^^ Daily limits apply.
++The ‘Most Popular’ label is based on the number of policies sold to date. Please consider your own needs and read the Product Disclosure Statement before choosing a policy.

Cover that travels with you. Get a quote today.

Unlimited* Overseas Medical

The policy includes Unlimited* medical expense benefit on international plans.
Dependant Coverage

Dependent children aged 19 or under can be added to your policy when they are travelling with you.^
24/7 Overseas Emergency Assistance

You get access to overseas emergency assistance 24 hours a day, 7 days a week.
Ski & Winter Sports Cover

Option to add winter sports cover for your skiing and snowboarding adventures.~

*Unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, however, amount payable depends on the specific cover, exclusions and terms outlined in the relevant section of the PDS/FSG. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered.
^ Dependants is defined as any of your children, stepchildren, foster children or grandchildren who are 19 years of age or under at the time you purchase your policy, are financially dependent on their parents or grandparents and not working full time. Dependants must be travelling with you for your entire trip and listed on your Certificate of Insurance.
~ The ‘Ski and Winter Sports’ option is only available if you are 85 years or under at the time you purchase your policy. Terms, conditions, exclusions, limits and sub-limits apply.