Cruise Travel Insurance

20% off¹ travel insurance with code WW20VAC

¹Offer available from 16 Apr 2026 to 31 Dec 2026. The 20% discount applies to the
travel insurance premium (excluding any applicable stamp duty or GST). T&Cs apply.

Cruises move differently and so should your cruise travel insurance. Whether you’re sailing around Australia on that well-deserved short domestic cruise or island-hopping overseas, adding cruise cover to your policy can help protect your trip from the unexpected.

What’s Included in Cruise Travel Insurance Cover

Cruises are part escape, part exploration and shift from shore excursions to sea days. The Vacatio with World2Cover Cruise Travel Benefit option can provide 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. Additional sub-limits may also 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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Cruise Ship Travel Insurance for Australian Travellers

Vacatio with World2Cover Travel Insurance can provide greater peace of mind with add-on extra cover for Australian cruises, as well as optional add-on cover for international trips.

Australian Cruises

If you’re looking for domestic cruise travel insurance, Vacatio with World2Cover Travel Insurance can provide additional cover for Australian cruises, when you select the Additional Cruise Benefit option as an add-on to your policy. Even if your cruise never leaves Australian waters, you may still want to consider selecting travel insurance for Australian cruises. Medicare may not be applicable once the ship is outside a port and onboard medical care can be treated as private healthcare.

International Cruise Travel Insurance

Sailing beyond Australia’s shores could also bring reasons to consider adding the international Cruise Travel Benefit option to your policy. Once you’re overseas or in international waters, access to medical care, transport and emergency support can be limited. Whether you’re embarking on a South Pacific cruise or a trip around Asia or Europe, travel insurance for cruises can provide greater peace of mind from departure to docking.

Vacatio with World2Cover’s Optional Add-On Travel Insurance for Cruises

This table summarises 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 $7,500 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 $5,000 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. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time of treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
^^ 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.

Cruise Travel Insurance FAQs

Do I need cruise insurance for domestic cruises in Australia?

Selecting Vacatio with World2Cover’s Additional Cruise Benefit option with your Australian Cruises policy could help with onboard medical care and other cruise-specific plan changes.

Is cruise cover included in all travel insurance policies?

Vacatio with World2Cover’s Additional Cruise Benefit option is an extra that you can consider adding onto select policies. Always refer to the combined PDS/FSG for more detail on what’s covered.

What can the Vacatio with World2Cover Additional Cruise Benefit option cover?

Refer to the combined PDS/FSG for details on what’s covered in each section. Your Additional Cruise Travel Insurance Benefit option could cover medical costs, missed ports, trip interruptions and lost belongings on select plans. T&Cs apply.

Can I get a cruise insurance quote online?

You can easily request a Vacatio with World2Cover quote for Additional Cruise Benefit option on top of your select policy online in minutes. Simply select the ‘Get a quote‘ button and you’ll be redirected to our travel partner, World2Cover’s Travel Insurance website, where you can submit your details and receive a quote.

Why am I redirected to the World2Cover Travel Insurance website when I click ‘Get a quote’ for my chosen policy with Additional Cruise Benefit option selected?

We partner with World2Cover Travel Insurance as an authorised representative, and we distribute their travel insurance policies. This means all travel insurance policy quotes, including those with the Additional Cruise Benefit option selected are completed securely on the World2Cover Travel Insurance website.

Does travel insurance cover me if I get sick on my cruise?

If you’ve added the Vacatio with World2Cover Additional Cruise Cover Benefit option to your travel insurance policy, you may be covered for onboard medical treatment and confinement due to illness. T&Cs apply.

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.