Our team has estimated that the travel insurance premium cost for a one-week cruise to the South Pacific for an Australian resident, including the relevant cruise insurance extension coverage, could see premium costs ranging from around $79 to $100 AUD for a healthy 50-year-old without pre-existing medical conditions.
In contrast, the same 50-year-old person planning a 31 day voyage around the south pacific might see basic insurance premium costs ranging from $169 – 250 AUD.
These estimated costs vary based on the level of coverage and liability requirements needed and chosen destinations.
Excess Options:
If you make a claim under the policy, you may be required to pay an excess. Insurers will usually give customers the option to adjust this set excess, generally can choose excesses which range between $100-300 AUD. Please refer to the insurance policy’s wording for details of the policy sections to which the excess applies.
Regions:
Certain insurers will allow you to select specific cruising regions, which can reduce premium rates.
Domestic Cruising – Australia
All Asia Cruising
South East Asia Cruising
Europe River Cruising
Worldwide Cruising
Europe Ocean Cruising
Cancellation cover:
In certain situations, cancellation cover can provide protection for you if you need to cancel or change your travel plans.
Cancellation Value is the total amount covered by your insurance for trip-related expenses, including transportation, accommodation, and activities. Selecting the right cancellation value ensures adequate protection against cancellations or interruptions, safeguarding your investment. Most insurers allow you to set the amount of cover required or ability to remove the requirement completely. This will affect your quoted cruise insurance premium.
Property Cover:
Cover for loss, theft or damage of your personal belongings as well as reimbursement for essential items purchased if your baggage is lost or delayed. This type of cover usually includes: Personal property, some emergency purchases and personal money. * Always check the insurers PDS (product disclosure statement) to consider if it appropriate for you and your needs and to understand the specific limits and conditions.
Liability:
For situations where you are held legally liable for accidental injury or death of another person or the accidental loss or damage of someone else’s property. Generally, cruise travel insurers might include the Liability option with your option to remove it if needed. Adjusting this will have an impact on the premium quoted to you.
Legal:
Reimbursement of legal costs and expenses if you suffer physical bodily injury or die during your trip and wish to seek compensation. Insurers often give customers the option to remove this module if required.
Cruising is the best way to experience the world and make memories in a way that you wouldn’t be able to any other way. For the holiday of your dreams, start looking into where you want to go today. With cruises running all year round, the opportunities and possibilities are endless. You won’t regret going on a (or multiple) trip of a lifetime at a time and for a length of time that suits you and your needs.
Cruise trips are for every type of person. You could be single, have a young family, be a retiree and experience the wonder of the world from a cruise ship. With trips spanning over a couple of nights to cruises that last for weeks, you can always find the perfect cruise to meet your holiday hopes and expectations.
Ships enable you to see stunning islands, older century landmarks, history across the globe, stunning and unique wildlife and caters to the destination hopes and dreams of everyone on board.
If travelling by ship is your next choice of mode of transport, then it is prudent that you compare cruise insurance quotes and policy inclusions and fully understand the exclusions, to make sure that your trip goes smoothly.
From medical expenses cover onboard and if needed to seek hospital assistance offboard the ship, then you don’t want to go without cruise travel insurance options. You may also receive potential cash reimbursements if a disaster strikes or circumstances beyond your control result in you being quarantined. Missing shore excursions, or failing to board the ship due to port changes.
Explored in this article are travel insurance policy options from both and Go Insurance and Cover More insurance. To make the most of your trip of a lifetime, make sure that you are caring for your onboard needs before they occur. If you’re ready to travel, see incredible sights and locations, all whilst having an incredible onboard experience and having your own cabin, then you want to follow through with cruise insurance and maximise your trip.
We all want peace of mind if we’re travelling. So you can experience peace both from breathtaking scenery, exquisite locations, and peace of mind for your wallet and your health, medical and travel needs.
Another fantastic option if you’re looking to cruise for your next holiday or special occasion is with a GO Insurance quote with cruise extension cover. Provided by Travel Insurance Quotes an affiliated agent of Go Insurance. For all of your cruise insurance needs.
Travel insurance is crucial if you’re travelling and you experience unforeseen events that may happen on your cruise travel journey.
Travel insurance can cover you, if you miss boarding your ship due to cancelled or delayed flights. Go Insurance can cover medical costs if something unforeseen happens and you become injured or ill whilst on the ship. And if you miss a planned visit to shore due to weather conditions, you can receive reimbursement of a cash payment.
If a doctor on board medically quarantines you, you may receive a cash benefit for each day you spend confined to your cabin while on your cruise.
Refer to website for limits, sub-limits, exclusions, and conditions that may apply to the travel insurance benefits for cruising.
With Cover More travel insurance you can find insurance to meet your needs on any single trip as an Australian resident travelling within Australia or overseas. Cruise cover option in your travel insurance is essential if you decide to go on a cruise. It can help you in providing for coverage of medical costs on board the cruise ship, to assistance if you require being evacuated from the ship for medical reasons. Cruise cover with Cover More insurance may also reimburse you for lost baggage expenses.
The benefits of travelling with Cover More travel insurance generally means being covered for the cost of cruise cancellations, onboard medical and dental cover, sea sickness, cabin confinement, missed shore excursions, and failing to miss the cruise because of accidentally being at the wrong port to embark on the ship.
Refer to website for limits, sub-limits, exclusions, and conditions that may apply to the travel insurance benefits for cruising.
Depending on what areas you select with the cruise insurance option, Cover More insurance you can cover you for travel within Australia, and other international destinations if selected.
If you’re wanting to travel more than just a single trip, you can get cruise insurance for an annual multi-trip including any number of trips within a 12 month period up to a maximum duration.
