{"id":96916,"date":"2026-08-02T13:11:48","date_gmt":"2026-08-02T03:41:48","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=96916"},"modified":"2026-11-04T05:34:32","modified_gmt":"2026-11-03T19:04:32","slug":"best-travel-insurance-for-cruises","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/","title":{"rendered":"Cruise Travel Insurance Australia: Cover, COVID and What to Look For"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Here&#8217;s something most first-time cruisers don&#8217;t find out until it&#8217;s too late: Medicare doesn&#8217;t cover you at sea. Not even in Australian waters. Not even on a cruise that never leaves the coast. Your private health fund won&#8217;t help either. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And \u201ccomprehensive\u201d travel insurance \u2013 the kind that seems to cover almost everything \u2013 usually skips cruise-specific benefits unless you\u2019ve added them yourself. Cabin confinement, missed ports, ship-to-shore evacuation: none of it is automatic. Here\u2019s what real cruise cover looks like, how the major Australian insurers stack up, and where cruisers get caught out. It also covers how COVID-19 cover works at sea, how domestic and South Pacific cruises differ, and what to check before you buy.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<!-- TCM Quick Answer card (tcm-qa-), replaces key takeaways -->\n<style>.tcm-qa{border:1px solid #e4e7f0;border-radius:14px;overflow:hidden;background:#fff;margin:0 0 28px;box-shadow:0 2px 10px rgba(10,31,92,.06)}.tcm-qa__head{background:#0a1f5c;color:#fff;padding:12px 20px;display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.tcm-qa__head i{color:#b8992e;font-size:18px}.tcm-qa__pick{padding:20px;border-left:4px solid #b8992e;border-bottom:1px solid #eef0f6;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.tcm-qa__body{flex:1 1 280px}.tcm-qa__label{font-size:12px;font-weight:700;color:#b8992e;text-transform:uppercase;letter-spacing:.06em;margin:0 0 4px}.tcm-qa__name{font-size:20px;font-weight:800;color:#0a1f5c;margin:0 0 4px;line-height:1.25}.tcm-qa__why{font-size:15px;color:#3a4256;margin:0;line-height:1.5}.tcm-qa__alts{display:grid;grid-template-columns:1fr 1fr}.tcm-qa__alt{padding:16px 20px;display:flex;flex-direction:column;gap:12px;justify-content:space-between}.tcm-qa__alt+.tcm-qa__alt{border-left:1px solid #eef0f6}.tcm-qa__alt .tcm-qa__name{font-size:16px}.tcm-qa__alt .tcm-qa__why{font-size:14px}.tcm-qa a.tcm-qa__btn{display:inline-block;align-self:flex-start;background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important;text-decoration:none!important;font-weight:700;font-size:14px;line-height:1.2;padding:11px 18px;border-radius:8px;white-space:nowrap}.tcm-qa a.tcm-qa__btn:hover{background:#b8992e!important}.tcm-qa a.tcm-qa__btn--alt{background:#fff!important;color:#0a1f5c!important;-webkit-text-fill-color:#0a1f5c!important;border:1.5px solid #0a1f5c}.tcm-qa a.tcm-qa__btn--alt:hover{background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important}@media(max-width:640px){.tcm-qa__alts{grid-template-columns:1fr}.tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}.tcm-qa a.tcm-qa__btn{display:block;width:100%;text-align:center;box-sizing:border-box}}<\/style><div class=\"tcm-qa\"><div class=\"tcm-qa__head\"><i class=\"ti ti-bolt\" aria-hidden=\"true\"><\/i>Quick answer<\/div><div class=\"tcm-qa__pick\"><div class=\"tcm-qa__body\"><p class=\"tcm-qa__label\">Our pick for cruises<\/p><p class=\"tcm-qa__name\">Cover-More<\/p><p class=\"tcm-qa__why\">A dedicated cruise add-on covering cabin confinement, missed port departures, itinerary changes and ship-to-shore medical evacuation.<\/p><\/div><a class=\"tcm-qa__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\">Get a Cover-More quote<\/a><\/div><div class=\"tcm-qa__alts\"><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Tick Travel Insurance<\/p><p class=\"tcm-qa__why\">Real cruise cover without comprehensive-insurer pricing.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">AllClear<\/p><p class=\"tcm-qa__why\">Cruise cover alongside specialist pre-existing condition underwriting and no upper age limit.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Why Cruises Need Their Own Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cruise ship runs its own rules. Get sick or hurt on board, and you&#8217;re not treated under Medicare or your private health fund \u2013 you&#8217;re treated by the ship&#8217;s medical centre, and they bill you directly, often at a premium. If your condition needs more than the ship can handle, you&#8217;re looking at a medical evacuation: either to the nearest port, or by helicopter if you&#8217;re too far out. Smartraveller doesn&#8217;t sugarcoat the cost of that. A helicopter evacuation from a cruise ship can run into the hundreds of thousands of dollars. None of it comes back to you without the right cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard travel insurance handles medical costs on land just fine. At sea, it&#8217;s a different story. Cabin confinement, missed port departures, missed shore excursions, ship-to-shore evacuation \u2013 these usually sit behind a separate cruise pack you have to select. Skip that step, and you can find yourself completely uncovered for the exact risks that make cruising different from a land holiday.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One more thing worth knowing: the insurance a cruise line sells you at checkout is usually pretty basic \u2013 think cancellation or deposit protection, not real travel insurance. Most Australians are better off buying a standalone policy and adding the cruise pack themselves.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does Cruise Travel Insurance Cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cruise cover is a set of benefits added on top of a standard travel policy. The exact list varies by insurer and tier, but these are the benefits to look for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medical evacuation and ship-to-shore transfer.<\/strong> The most important benefit, so check the limit is unlimited or very high.<\/li>\n\n\n\n<li><strong>Cabin confinement.<\/strong> A daily payment, up to a cap, if you are confined to your cabin on medical advice.<\/li>\n\n\n\n<li><strong>Missed port departure.<\/strong> Reimburses limited costs such as catch-up transport. It does not refund your fare.<\/li>\n\n\n\n<li><strong>Itinerary changes.<\/strong> Some policies pay a benefit if the ship skips or changes a port.<\/li>\n\n\n\n<li><strong>Cancellation and interruption.<\/strong> Reimburses non-refundable costs if you cancel or cut your trip short for a covered reason.<\/li>\n\n\n\n<li><strong>Shore excursions.<\/strong> Usually only pre-booked, pre-paid excursions missed because of a covered event.<\/li>\n\n\n\n<li><strong>COVID-19.<\/strong> Medical cover is now standard on most policies, but cruises are where most exclusions apply. See the COVID-19 section below.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The traps section further down explains where each of these catches people out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare Cruise Travel Insurance at a Glance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Cruise Cover<\/th><th class=\"has-text-align-left\" data-align=\"left\">Notable Feature<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best For<\/th><th class=\"has-text-align-left\" data-align=\"left\">Quote<\/th><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Dedicated cruise add-on<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cabin confinement, missed port departures, itinerary changes, ship-to-shore emergency medical evacuation<\/td><td class=\"has-text-align-left\" data-align=\"left\">All-round comprehensive cruise cover from a household name<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">AllClear<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cruise cover options available<\/td><td class=\"has-text-align-left\" data-align=\"left\">No upper age limit and pre-existing conditions considered alongside cruise cover<\/td><td class=\"has-text-align-left\" data-align=\"left\">Seniors and travellers with pre-existing conditions cruising<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Dedicated cruise cover<\/td><td class=\"has-text-align-left\" data-align=\"left\">Won the 2025 Canstar Outstanding Value Award for Cruise Travel Insurance in its first year offering the product<\/td><td class=\"has-text-align-left\" data-align=\"left\">Budget-conscious cruisers who still want solid value<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Optional cruise cover add-on<\/td><td class=\"has-text-align-left\" data-align=\"left\">Dependent children and grandchildren under 19 travel free<\/td><td class=\"has-text-align-left\" data-align=\"left\">Families cruising together<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/butter-travel-insurance-discount-code\/\">Butter<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Optional boat and cruise add-on<\/td><td class=\"has-text-align-left\" data-align=\"left\">Modular, pay-for-what-you-need policy structure<\/td><td class=\"has-text-align-left\" data-align=\"left\">Younger, budget-focused cruisers<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/buttertravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Cruises supported as an activity<\/td><td class=\"has-text-align-left\" data-align=\"left\">App-based cover you can adjust while travelling<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cruisers combining a sailing leg with other adventure activities<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Southern Cross Travel Insurance (SCTI)<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cruise cover included under standard policies<\/td><td class=\"has-text-align-left\" data-align=\"left\">Cover for time at sea works a little differently to a land-based trip, so it&#8217;s worth checking the specifics before you buy, but SCTI&#8217;s broad pre-existing condition cover and free kids&#8217; cover carry over to cruise trips too<\/td><td class=\"has-text-align-left\" data-align=\"left\">Seniors or families with pre-existing conditions wanting broad cover that also covers cruising<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Table compiled 1 August 2026 from insurer information published on The Champagne Mile. Cruise pack inclusions, sub-limits and eligibility change by insurer and policy tier \u2013 always confirm current cruise-specific benefits on the insurer&#8217;s own quote page before buying, and read the PDS for exact sub-limits.<\/em> <em>COVID-19 cover by insurer is in the COVID-19 section below.<\/em><\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102870\" class=\"elementor elementor-102870\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-258f7e11 e-flex e-con-boxed e-con e-parent\" data-id=\"258f7e11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c96a04 elementor-widget elementor-widget-html\" data-id=\"c96a04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- TCM Cruise Cover Checker: Custom HTML block (revised) -->\n<!-- Namespace: tcm-ccc- (scoped). 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id=\"tcmCccWrap\">\n  <div class=\"tcm-ccc-head\">\n    <div class=\"tcm-ccc-title\"><i class=\"ti ti-ship\" aria-hidden=\"true\"><\/i>Cruise Cover Checker<\/div>\n    <div class=\"tcm-ccc-sub\">3 quick questions to match you with the right cruise cover, and the one clause to check first.<\/div>\n  <\/div>\n  <div class=\"tcm-ccc-progress\"><div class=\"tcm-ccc-progress-bar\" id=\"tcmCccProgress\"><\/div><\/div>\n\n  <div class=\"tcm-ccc-body\">\n\n    <div class=\"tcm-ccc-step active\" data-step=\"1\">\n      <div class=\"tcm-ccc-stepno\">Step 1 of 3<\/div>\n      <div class=\"tcm-ccc-qlabel\">What type of cruise is this?<\/div>\n      <div class=\"tcm-ccc-options\" data-q=\"cruisetype\" role=\"group\" aria-label=\"Cruise type\">\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"ocean-intl\" aria-pressed=\"false\"><i class=\"ti ti-world\" aria-hidden=\"true\"><\/i><span>Ocean cruise (international)<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"ocean-au\" aria-pressed=\"false\"><i class=\"ti ti-map-pin\" aria-hidden=\"true\"><\/i><span>Ocean cruise (Australian waters only)<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"river\" aria-pressed=\"false\"><i class=\"ti ti-ripple\" aria-hidden=\"true\"><\/i><span>River cruise<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"multi\" aria-pressed=\"false\"><i class=\"ti ti-route\" aria-hidden=\"true\"><\/i><span>Multi-country or repositioning cruise<\/span><\/button>\n      <\/div>\n      <div class=\"tcm-ccc-nav\">\n        <button type=\"button\" class=\"tcm-ccc-back\" disabled>&larr; Back<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-ccc-step\" data-step=\"2\">\n      <div class=\"tcm-ccc-stepno\">Step 2 of 3<\/div>\n      <div class=\"tcm-ccc-qlabel\">Who&rsquo;s cruising?<\/div>\n      <div class=\"tcm-ccc-options\" data-q=\"travellers\" role=\"group\" aria-label=\"Who is cruising\">\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"solo\" aria-pressed=\"false\"><i class=\"ti ti-user\" aria-hidden=\"true\"><\/i><span>Just me or my partner<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"family\" aria-pressed=\"false\"><i class=\"ti ti-users-group\" aria-hidden=\"true\"><\/i><span>Family with kids or grandkids<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"senior\" aria-pressed=\"false\"><i class=\"ti ti-heart-handshake\" aria-hidden=\"true\"><\/i><span>A senior or someone with a pre-existing condition<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"unsure\" aria-pressed=\"false\"><i class=\"ti ti-help-circle\" aria-hidden=\"true\"><\/i><span>Not sure yet<\/span><\/button>\n      <\/div>\n      <div class=\"tcm-ccc-nav\">\n        <button type=\"button\" class=\"tcm-ccc-back\">&larr; Back<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-ccc-step\" data-step=\"3\">\n      <div class=\"tcm-ccc-stepno\">Step 3 of 3<\/div>\n      <div class=\"tcm-ccc-qlabel\">What matters most to you?<\/div>\n      <div class=\"tcm-ccc-options\" data-q=\"priority\" role=\"group\" aria-label=\"Your priority\">\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"price\" aria-pressed=\"false\"><i class=\"ti ti-coin\" aria-hidden=\"true\"><\/i><span>The lowest price<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"medical\" aria-pressed=\"false\"><i class=\"ti ti-first-aid-kit\" aria-hidden=\"true\"><\/i><span>Strongest medical evacuation cover<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"kids\" aria-pressed=\"false\"><i class=\"ti ti-baby-carriage\" aria-hidden=\"true\"><\/i><span>Free cover for kids or grandkids<\/span><\/button>\n        <button type=\"button\" class=\"tcm-ccc-option\" data-value=\"extras\" aria-pressed=\"false\"><i class=\"ti ti-ship\" aria-hidden=\"true\"><\/i><span>Cruise extras (cabin confinement, missed port)<\/span><\/button>\n      <\/div>\n      <div class=\"tcm-ccc-nav\">\n        <button type=\"button\" class=\"tcm-ccc-back\">&larr; Back<\/button>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-ccc-results\" id=\"tcmCccResults\" tabindex=\"-1\" aria-live=\"polite\">\n      <div class=\"tcm-ccc-result-heading\">Your best matches<\/div>\n      <div class=\"tcm-ccc-result-sub\">Always confirm the cruise cover option is selected in your quote and check the current PDS before you buy.<\/div>\n      <div class=\"tcm-ccc-chips\" id=\"tcmCccChips\"><\/div>\n      <div class=\"tcm-ccc-cards\" id=\"tcmCccCards\"><\/div>\n      <div class=\"tcm-ccc-restart-row\"><button type=\"button\" class=\"tcm-ccc-restart\" id=\"tcmCccRestart\">Start over<\/button><\/div>\n      <div class=\"tcm-ccc-disclaimer\">This tool gives general guidance only and isn&rsquo;t personal financial advice. The Champagne Mile may earn a commission via links above. Always read the PDS and Target Market Determination before purchasing a policy, and confirm cruise cover is included in your quote.<\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var wrap = document.getElementById('tcmCccWrap');\n  if (!wrap) return;\n  var steps = wrap.querySelectorAll('.tcm-ccc-step');\n  var progress = document.getElementById('tcmCccProgress');\n  var resultsEl = document.getElementById('tcmCccResults');\n  var cardsEl = document.getElementById('tcmCccCards');\n  var chipsEl = document.getElementById('tcmCccChips');\n  var answers = { cruisetype: null, travellers: null, priority: null };\n\n  var labels = {\n    cruisetype: { 'ocean-intl': 'International ocean cruise', 'ocean-au': 'Australian waters cruise', 'river': 'River cruise', 'multi': 'Multi-country cruise' },\n    travellers: { solo: 'Solo or couple', family: 'Family', senior: 'Senior or pre-existing condition', unsure: 'Travellers not set' },\n    priority:   { price: 'Lowest price', medical: 'Medical evacuation', kids: 'Free kids\u2019 cover', extras: 'Cruise extras' }\n  };\n\n  \/\/ All 8 insurers from the cruise comparison table\n  var insurers = {\n    covermore: {\n      name: 'Cover-More',\n      tag: 'Best for cruise extras and medical evacuation',\n      why: 'A dedicated cruise add-on covering cabin confinement, missed port departures, itinerary changes and ship-to-shore medical evacuation, backed by Zurich.',\n      watch: 'Cruise cover is an add-on, not automatic on Comprehensive. Confirm it\u2019s selected during the quote before you pay.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore',\n      aff: true\n    },\n    allclear: {\n      name: 'AllClear',\n      tag: 'Best for older cruisers and pre-existing conditions',\n      why: 'Cruise cover options sit alongside no upper age limit and specialist pre-existing condition underwriting, built for cruisers other insurers may decline.',\n      watch: 'The cruise add-on doesn\u2019t override your base policy\u2019s medical assessment. Sort eligibility first.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear',\n      aff: true\n    },\n    scti: {\n      name: 'Southern Cross Travel Insurance',\n      tag: 'Best for seniors and families wanting broad cover',\n      why: 'Cruise cover is included under standard policies, with broad pre-existing condition cover and free cover for dependent kids.',\n      watch: 'Cover for time at sea works a little differently to a land-based trip. Check the specifics in the PDS, and confirm the cover for your type of cruise.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti',\n      aff: true\n    },\n    tick: {\n      name: 'Tick Travel Insurance',\n      tag: 'Best for straightforward cruises on a budget',\n      why: 'Won the 2025 Canstar Outstanding Value Award for Cruise Travel Insurance in its first year offering the product. Strong value for a simple cruise.',\n      watch: 'Confirm cruise cover is included at your chosen tier. Entry-level plans may not carry the full cruise pack.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/tick',\n      aff: true\n    },\n    zoom: {\n      name: 'Zoom Travel Insurance',\n      tag: 'Best for families and grandparents',\n      why: 'An optional cruise cover add-on, plus dependent children and grandchildren under 19 travel free on your policy.',\n      watch: 'Cruise cover is priced as a separate optional extra. Check it\u2019s added before you assume you\u2019re covered at sea.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom',\n      aff: true\n    },\n    butter: {\n      name: 'Butter',\n      tag: 'Best for budget-minded solo and couple trips',\n      why: 'A modular policy with an optional boat and cruise add-on, so you pay only for the cover you actually need.',\n      watch: 'Built with a younger, budget-focused customer in mind. Compare medical evacuation limits carefully against a comprehensive insurer.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/buttertravelinsurance',\n      aff: true\n    },\n    freely: {\n      name: 'Freely',\n      tag: 'Best for a cruise combined with adventure',\n      why: 'Cruises sit alongside skiing, trekking and diving as a supported activity, with cover adjustable through the app while you\u2019re travelling.',\n      watch: 'Best suited to cruises combined with other adventure activities rather than a pure cruise trip. Check cruise-specific sub-limits.',\n      cta: 'Get a Quote',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely',\n      aff: true\n    }\n  };\n\n  \/\/ Tie-break order (earlier wins a tie)\n  var order = ['covermore', 'allclear', 'scti', 'tick', 'zoom', 'butter', 'freely'];\n\n  \/\/ Points by traveller type\n  var byTraveller = {\n    senior: { allclear: 3, scti: 3, covermore: 2, tick: 1 },\n    family: { zoom: 3, scti: 2, covermore: 1 },\n    solo:   { butter: 3, freely: 3, tick: 2, scti: 1 },\n    unsure: { covermore: 2, tick: 2, allclear: 1, zoom: 1, scti: 1 }\n  };\n  \/\/ Points by cruise type\n  var byCruise = {\n    'ocean-intl': { covermore: 2, allclear: 1, scti: 1 },\n    'multi':      { covermore: 2, allclear: 1, scti: 1 },\n    'ocean-au':   { tick: 2, covermore: 1, scti: 1, butter: 1, freely: 1 },\n    'river':      { covermore: 1, allclear: 1, zoom: 1, scti: 1 }\n  };\n  \/\/ Insurers left out for a cruise type\n  var excluded = {\n    'ocean-intl': ['butter'],\n    'multi':      ['butter'],\n    'river':      ['butter', 'freely', 'tick']\n  };\n  \/\/ Points by priority\n  var byPriority = {\n    price:   { tick: 3, butter: 2, zoom: 1 },\n    medical: { covermore: 3, scti: 1, allclear: 1 },\n    kids:    { zoom: 3, scti: 2 },\n    extras:  { covermore: 3, zoom: 1 }\n  };\n\n  function add(scores, table) {\n    if (!table) return;\n    Object.keys(table).forEach(function (k) { scores[k] = (scores[k] || 0) + table[k]; });\n  }\n\n  function pickInsurers() {\n    var scores = {};\n    order.forEach(function (k) { scores[k] = 0; });\n    add(scores, byTraveller[answers.travellers]);\n    add(scores, byCruise[answers.cruisetype]);\n    add(scores, byPriority[answers.priority]);\n    var out = excluded[answers.cruisetype] || [];\n    return order\n      .filter(function (k) { return out.indexOf(k) === -1; })\n      .sort(function (a, b) { return (scores[b] - scores[a]) || (order.indexOf(a) - order.indexOf(b)); })\n      .slice(0, 3);\n  }\n\n  function showStep(n) {\n    steps.forEach(function (s) {\n      s.classList.toggle('active', parseInt(s.getAttribute('data-step'), 10) === n);\n    });\n    resultsEl.classList.remove('active');\n    progress.style.setProperty('width', (n \/ 3 * 100) + '%', 'important');\n  }\n\n  steps.forEach(function (step) {\n    var options = step.querySelectorAll('.tcm-ccc-option');\n    var qKey = step.querySelector('[data-q]').getAttribute('data-q');\n    var backBtn = step.querySelector('.tcm-ccc-back');\n    var stepNum = parseInt(step.getAttribute('data-step'), 10);\n\n    options.forEach(function (opt) {\n      opt.addEventListener('click', function () {\n        options.forEach(function (o) { o.classList.remove('selected'); o.setAttribute('aria-pressed', 'false'); });\n        opt.classList.add('selected');\n        opt.setAttribute('aria-pressed', 'true');\n        answers[qKey] = opt.getAttribute('data-value');\n        setTimeout(function () {\n          if (stepNum < 3) { showStep(stepNum + 1); } else { renderResults(); }\n        }, 200);\n      });\n    });\n\n    backBtn.addEventListener('click', function () {\n      if (stepNum > 1) showStep(stepNum - 1);\n    });\n  });\n\n  document.getElementById('tcmCccRestart').addEventListener('click', function () {\n    answers = { cruisetype: null, travellers: null, priority: null };\n    wrap.querySelectorAll('.tcm-ccc-option.selected').forEach(function (o) {\n      o.classList.remove('selected');\n      o.setAttribute('aria-pressed', 'false');\n    });\n    showStep(1);\n  });\n\n  function renderResults() {\n    var finalPicks = pickInsurers();\n\n    chipsEl.innerHTML = '';\n    ['cruisetype', 'travellers', 'priority'].forEach(function (q) {\n      var text = labels[q][answers[q]];\n      if (!text) return;\n      var chip = document.createElement('span');\n      chip.className = 'tcm-ccc-chip';\n      chip.textContent = text;\n      chipsEl.appendChild(chip);\n    });\n\n    cardsEl.innerHTML = '';\n    finalPicks.forEach(function (key, idx) {\n      var ins = insurers[key];\n      var card = document.createElement('div');\n      card.className = 'tcm-ccc-card' + (idx === 0 ? ' tcm-ccc-top' : '');\n      card.innerHTML =\n        '<div class=\"tcm-ccc-card-top-row\">' +\n          '<div class=\"tcm-ccc-card-name\">' + ins.name + '<\/div>' +\n          (idx === 0 ? '<span class=\"tcm-ccc-badge\">Top match<\/span>' : '') +\n        '<\/div>' +\n        '<div class=\"tcm-ccc-for\"><i class=\"ti ti-award\" aria-hidden=\"true\"><\/i> ' + ins.tag + '<\/div>' +\n        '<div class=\"tcm-ccc-card-why\">' + ins.why + '<\/div>' +\n        '<div class=\"tcm-ccc-watch\"><b>Check before buying:<\/b> ' + ins.watch + '<\/div>' +\n        '<a class=\"tcm-cta-btn tcm-ccc-btn\" href=\"' + ins.url + '\" target=\"_blank\" rel=\"' + (ins.aff ? 'nofollow sponsored noopener' : 'noopener') + '\">' + ins.cta + ' &rarr;<\/a>';\n      cardsEl.appendChild(card);\n    });\n\n    steps.forEach(function (s) { s.classList.remove('active'); });\n    resultsEl.classList.add('active');\n    progress.style.setProperty('width', '100%', 'important');\n    try { resultsEl.focus({ preventScroll: true }); } catch (e) {}\n  }\n})();\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Picks for Cruise Travellers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best all-round cruise cover: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a>.<\/strong> A dedicated cruise add-on \u2013 cabin confinement, missed port departures, itinerary changes, ship-to-shore medical evacuation. Backed by Zurich, trusted by 15 million-plus travellers a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best value: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a>.<\/strong> Real cruise cover without comprehensive-insurer pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for seniors and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">pre-existing conditions<\/a>: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a>.<\/strong> Cruise cover sits alongside AllClear&#8217;s specialist underwriting and no upper age limit \u2013 a handy combo, since so many cruisers fall into this exact bracket. Planning around age or health? Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"\">seniors travel insurance guide<\/a> covers the wider picture.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for families or seniors wanting broad cover: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross Travel Insurance<\/a>.<\/strong> Cruise cover is included under its standard policies, and its broad pre-existing condition cover and free kids\u2019 cover carry over to cruise trips too. Cover for time at sea works a little differently to a land-based trip, so check the specifics before you buy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for families cruising together: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a>.<\/strong> Cruise cover is an optional extra, and dependent children and grandchildren under 19 travel free on a parent&#8217;s or grandparent&#8217;s policy. A real saving on a multi-generational trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for younger, budget-focused cruisers: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/butter-travel-insurance-discount-code\/\" title=\"\">Butter<\/a>.<\/strong> Butter&#8217;s modular setup includes an optional boat and cruise add-on. Pay for what you need, skip what you don&#8217;t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best if your cruise is part of a bigger trip: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a>.<\/strong> Cruises sit right alongside skiing, rock climbing, trekking and surfing on Freely&#8217;s activity list, and you can adjust cover through the app while you&#8217;re already travelling.<\/p>\n\n\n\n<!-- TCM Spotlight: Cover-More cruise cover -->\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/covermore-promo-code-logo-4.png\" alt=\"Cover-More Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> Backed by Zurich, trusted by 15 million+ travellers a year<\/p>\n      <h3 class=\"tcm-sp__title\">Cover-More cruise cover for cabin confinement and ship-to-shore evacuation<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>Cruise add-on<\/strong>\n      <span>Covers cabin confinement, missed port departures and itinerary changes<\/span>\n    <\/li>\n    <li>\n      <strong>Evacuation<\/strong>\n      <span>Emergency medical evacuation from ship to shore when you need it at sea<\/span>\n    <\/li>\n    <li>\n      <strong>Velocity<\/strong>\n      <span>3 Velocity Points per $1 spent on your policy<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">Get a Cover-More quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; 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}\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">Domestic Cruise Travel Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cruise that starts and ends in Australia may be treated differently from an international sailing. Some insurers classify it as domestic travel and others as international, and cover for cruise-specific events such as missed ports, cabin confinement or medical evacuation depends on the policy. Check whether cruise cover is included as standard or sold as an add-on, and whether it applies to your itinerary. For domestic cruise travel insurance in Australia, remember that Medicare still won\u2019t pay for treatment on board, so a domestic itinerary doesn\u2019t remove the need for cruise cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">International and South Pacific Cruises<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cruise that calls at overseas ports, such as the common South Pacific stops of Vanuatu, Fiji and New Caledonia, is an international trip. Overseas medical cover applies at each port, the policy&#8217;s destination rules matter, and a Smartraveller \u201cDo Not Travel\u201d advisory for one stop can affect cover for that leg. Choose a policy that lists every country on your itinerary and includes the cruise pack, and use the Cruise Cover Checker above to shortlist insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Want to see what a South Pacific cruise policy actually costs? <a href=\"#what-it-costs\">See our real quotes for a couple aged 68<\/a>.<\/p>\n\n\n\n<!-- TCM Spotlight: Tick Travel Insurance cruise cover -->\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/tick-travel-insurance-promo-code-logo-4.png\" alt=\"Tick Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> Cruise value pick<\/p>\n      <h3 class=\"tcm-sp__title\">Tick cruise cover that won on value, and may cover quarantine costs too<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>Award<\/strong>\n      <span>2025 Canstar Outstanding Value Award for Cruise Travel Insurance<\/span>\n    <\/li>\n    <li>\n      <strong>Quarantine<\/strong>\n      <span>May cover extra accommodation and travel costs if you are forced into quarantine<\/span>\n    <\/li>\n    <li>\n      <strong>Unlimited<\/strong>\n      <span>Overseas medical expenses for COVID-19 on Standard and Top tiers<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">Get a Tick quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; 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}\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">The Traps and Caveats Cruise Travellers Need to Watch For<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Medicare stops at the gangway \u2013 even on a cruise that never leaves Australian waters.<\/strong> This trips up more first-time cruisers than anything else. Sail Sydney to Melbourne and back without ever touching international waters, and Medicare still won&#8217;t help you on board. Most ships don&#8217;t carry a Medicare-accessible doctor, so onboard treatment gets billed straight to you. <a href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller&#8217;s <\/a>advice: get travel insurance for any cruise, domestic or international. No exceptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&#8220;Comprehensive&#8221; is a cover level, not a cruise guarantee.<\/strong> Even the top-tier plans usually need the cruise pack added separately. Skip that step assuming &#8220;comprehensive&#8221; already has you sorted, and you might only find the gap once you actually needed it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cabin confinement cover doesn&#8217;t kick in straight away.<\/strong> Most policies only start paying once you&#8217;ve been stuck in your cabin for a minimum stretch \u2013 often 24 to 48 hours straight \u2013 then pay a daily rate (usually somewhere around $50\u2013$100) up to a modest cap, often near $1,500. It&#8217;s there for genuinely being stuck, not for feeling a bit seasick.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Missed port cover won&#8217;t stretch to cover your whole cruise fare.<\/strong> Skip a scheduled port, and most policies reimburse missed excursion costs or catch-up transport up to a set limit \u2013 often $750 to $1,500. That covers the immediate out-of-pocket hit, not the itinerary you&#8217;d planned around.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>River cruises and ocean cruises often get treated completely differently.<\/strong> Some insurers fold river cruise cover automatically into a standard policy, no add-on needed \u2013 but the same insurer might exclude medical expenses and evacuation for river cruising within Australia, since Medicare&#8217;s assumed to cover you on land nearby. Got a river leg in your trip? Don&#8217;t assume the same cover applies as it would at sea. Check the specific terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Multi-country cruises can trip destination exclusions you&#8217;d never hit on a single-destination holiday.<\/strong> Call at several countries in one trip, and the odds go up that at least one falls under a &#8220;Do Not Travel&#8221; advisory at some point during your policy period \u2013 which can void cover tied to that leg. Check your full itinerary against current Smartraveller advisories before you sail, not just your main destination.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shore excursion cover usually only protects what you&#8217;ve already booked and paid for.<\/strong> Spontaneous, pay-on-the-day excursions typically aren&#8217;t covered if you cancel. The benefit&#8217;s built around trips you&#8217;ve already committed money to, not a &#8220;let&#8217;s see how we feel&#8221; itinerary.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cruise cover doesn&#8217;t override your base policy&#8217;s age or health rules.<\/strong> It&#8217;s an add-on layered on top, not a workaround. A cruise pack won&#8217;t help if your base policy would decline you on age or health grounds anyway \u2013 sort that layer first. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"\">seniors travel insurance guide<\/a> is the place to start if that&#8217;s the more pressing question for your trip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Don&#8217;t let the small print distract you from what actually matters.<\/strong> Formal attire cover, sea sickness treatment, small daily cabin confinement payments \u2013 nice touches, sure, but not the reason you&#8217;re buying cover. Medical evacuation limits and cancellation cover that actually matches your cruise fare matter far more than whether your policy replaces a lost dinner jacket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">COVID-19 Cover on a Cruise<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">During the pandemic, COVID cover was a genuine add-on question, and plenty of standard policies excluded it. That has mostly changed. Tick includes unlimited overseas medical cover for COVID-19 on its Standard and Top tiers, Freely covers COVID illness overseas, and every Cover-More plan includes some COVID-19 cover, with the level of benefits depending on the tier you choose.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What hasn&#8217;t fully caught up is cancellation cover, the benefit that reimburses you if you are diagnosed before you leave and have to cancel. That is still tier-dependent at some insurers. Cover-More, for example, gives no cover for COVID-related pre-trip cancellation or amendment costs on its Basic plans. Read your policy tier carefully rather than assuming \u201cCOVID cover\u201d means the same thing at every level.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The COVID-19 exclusions that catch cruise travellers out<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Cruises often need their own add-on.<\/strong> A standard COVID benefit doesn&#8217;t automatically extend to cruise scenarios. Cover-More, for example, requires its Cruise Cover option for sea or ocean cruises of two nights or more, and even with Cruise Cover it won\u2019t pay cabin confinement claims related to COVID-19. Check this before you book, not after you board.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Diagnosed before you bought the policy.<\/strong> Like any pre-existing condition, a COVID diagnosis that predates your policy purchase generally isn&#8217;t covered, including any cancellation or interruption that flows from it. Buy your policy as early as possible, ideally when you book the cruise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Close contact isn&#8217;t a diagnosis.<\/strong> Several insurers, including Cover-More, are explicit that being a close contact without an actual positive diagnosis doesn&#8217;t trigger a claim. You need written confirmation from a medical adviser, not just a rapid test at home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cDo Not Travel\u201d advisories can void the claim.<\/strong> If Smartraveller has a port or country on your itinerary under a \u201cDo Not Travel\u201d warning when you enter, a COVID claim can be excluded. Cover-More calls this out specifically: it provides no COVID-19 cover if your destination is at Level 4 \u201cDo Not Travel\u201d when you enter and the warning is because of COVID-19. The common carve-out is New Zealand, where Cover-More\u2019s exclusion doesn\u2019t apply.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What you&#8217;ll need if you get sick on a cruise<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>See a doctor and get it in writing.<\/strong> Most insurers require a letter or certificate from a qualified medical adviser confirming your diagnosis and that you&#8217;re unfit to travel, not just a positive test result. On a ship, that means the ship&#8217;s medical centre.<\/li>\n\n\n\n<li><strong>Isolate and seek the medical attention advised.<\/strong> Follow the documented medical advice you&#8217;re given. It becomes part of your claim evidence.<\/li>\n\n\n\n<li><strong>Contact your insurer&#8217;s emergency assistance line promptly.<\/strong> Especially if hospital treatment, quarantine accommodation or evacuation is involved, because delaying contact can complicate a claim.<\/li>\n\n\n\n<li><strong>Keep every receipt.<\/strong> Medical costs, extended accommodation, amended flights: anything COVID-related you are paying for should be documented and kept.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">How the major insurers compare on COVID-19 cover<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Medical Cover<\/th><th class=\"has-text-align-left\" data-align=\"left\">Notable Detail<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best For<\/th><th class=\"has-text-align-left\" data-align=\"left\">Quote<\/th><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a><\/td><td>Unlimited on Standard\/Top tiers<\/td><td>May cover extra accommodation and travel costs if you are forced into quarantine<\/td><td>Travellers wanting quarantine-cost cover, not just medical<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/td><td>Included as standard on eligible plans<\/td><td>Backed by Zurich, one of the largest Australian travel insurers<\/td><td>Broad, well-established cover<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/td><td>Included for overseas COVID illness<\/td><td>Also covers cancelling if a relative back home is hospitalised with COVID<\/td><td>Travellers wanting flexible, app-based cover<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/td><td>Check at quote stage by tier<\/td><td>Family-friendly structure alongside standard COVID benefits<\/td><td>Families wanting COVID cover plus free-kids perks<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\">WAS<\/a><\/td><td>Included on eligible plans<\/td><td>Straightforward online purchasing<\/td><td>Simple, no-frills international cover<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/wastravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Table compiled 31 August 2026 from insurer information. COVID benefit inclusions, tiers and sub-limits change by insurer and policy level, so confirm current COVID-19 cover on the insurer&#8217;s own quote page, check that the cruise pack is included, and read the PDS before buying.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cruise Travel Insurance for Seniors<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many cruisers are older, and age limits and medical assessments vary by insurer. Sort the base policy first, because a cruise add-on won&#8217;t override its age or health rules. If you have a pre-existing condition, declare it when you get a quote. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a> has no upper age limit and considers pre-existing conditions alongside cruise cover, and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross Travel Insurance<\/a> is aimed at seniors and families with pre-existing conditions who want cruising included. For the wider picture, see our guides to <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">travel insurance for seniors<\/a> and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">travel insurance for pre-existing conditions<\/a>.<\/p>\n\n\n\n<h2 id=\"what-it-costs\" class=\"wp-block-heading\">What Cruise Insurance Actually Costs: Real Quotes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We priced a 10-night South Pacific cruise from Sydney for a couple aged 68 through each insurer&#8217;s own online quote form. The biggest surprises were how differently the insurers charge for cruise cover itself, and how much the cheaper tiers leave out once you&#8217;re on board. If you&#8217;re older or have a health condition, our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">seniors travel insurance guide<\/a> explains what changes from 65.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103708\" class=\"elementor elementor-103708\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-4aad471 e-con-full e-flex e-con e-parent\" data-id=\"4aad471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div 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!important;padding:0 !important;font-size:22px !important;line-height:1.25 !important;font-weight:700 !important;color:var(--rq-ink) !important;letter-spacing:-.01em}\n.tcm-rq__scen{display:grid;grid-template-columns:repeat(4,1fr);margin:20px 0 6px;background:var(--rq-panel);border-radius:10px}\n.tcm-rq__scen div{padding:12px 16px;border-left:1px solid var(--rq-rule);font-size:13.5px;line-height:1.4;color:var(--rq-ink-soft)}\n.tcm-rq__scen div:first-child{border-left:0}\n.tcm-rq__scen b{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--rq-figure);margin-bottom:2px}\n.tcm-rq table{width:100%;border-collapse:collapse;margin:14px 0 4px;font-size:15px;border:0}\n.tcm-rq th{text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--rq-ink-soft);font-weight:700;padding:10px 8px;border:0;border-bottom:1px solid var(--rq-rule);background:none}\n.tcm-rq td{padding:13px 8px;border:0;border-bottom:1px solid 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a.tcm-rq__btn:link,html body .tcm-rq a.tcm-rq__btn:visited,html body .tcm-rq a.tcm-rq__btn:hover,html body .tcm-rq a.tcm-rq__btn:focus,html body .tcm-rq a.tcm-rq__btn:active{display:inline-block;width:124px;text-align:center;background:var(--rq-btn-bg) !important;background-image:none !important;color:var(--rq-btn-text) !important;-webkit-text-fill-color:var(--rq-btn-text) !important;font-size:13.5px !important;font-weight:700 !important;line-height:1.2 !important;padding:12px 8px !important;border:1px solid var(--rq-btn-bg) !important;border-radius:8px;text-decoration:none !important;white-space:nowrap;box-shadow:none !important}\nhtml body .tcm-rq a.tcm-rq__btn:hover{opacity:.9}\n.tcm-rq__find{display:grid;grid-template-columns:repeat(3,1fr);margin:20px 0 18px;background:var(--rq-panel);border-radius:10px}\n.tcm-rq__find div{padding:16px 18px;border-left:1px solid var(--rq-rule);font-size:13.5px;line-height:1.45;color:var(--rq-ink-soft)}\n.tcm-rq__find div:first-child{border-left:0}\n.tcm-rq__find b{display:block;color:var(--rq-ink);font-size:15px;margin-bottom:4px}\n.tcm-rq__foot{border-top:1px solid var(--rq-rule);padding-top:14px;font-size:12.5px;line-height:1.55;color:var(--rq-ink-soft)}\nhtml body .tcm-rq .tcm-rq__foot p{margin:0 0 6px !important;font-size:12.5px !important;color:var(--rq-ink-soft) !important}\nhtml body .tcm-rq .tcm-rq__foot p:last-child{margin:0 !important}\n@media (max-width:760px){.tcm-rq{padding:20px 16px 18px !important}html body .tcm-rq .tcm-rq__title{font-size:19px !important}.tcm-rq__scen{grid-template-columns:1fr 1fr}.tcm-rq__scen div:nth-child(3){border-left:0}.tcm-rq__scen div:nth-child(n+3){border-top:1px solid var(--rq-rule)}.tcm-rq thead{display:none}.tcm-rq table,.tcm-rq tbody,.tcm-rq tr,.tcm-rq td{display:block;width:100%}.tcm-rq tr{border:1px solid var(--rq-border);border-radius:10px;margin:12px 0;overflow:hidden}.tcm-rq td,.tcm-rq td:last-child{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:10px 12px;text-align:right;width:100%}.tcm-rq td:before{content:attr(data-l);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--rq-ink-soft);text-align:left}.tcm-rq td.tcm-rq__ins{display:block;text-align:left;background:var(--rq-panel)}.tcm-rq td.tcm-rq__ins:before,.tcm-rq td:last-child:before{display:none}.tcm-rq td:last-child{border-bottom:0}html body .tcm-rq a.tcm-rq__btn{width:100%}.tcm-rq__find{grid-template-columns:1fr}.tcm-rq__find div{border-left:0;border-top:1px solid var(--rq-rule)}.tcm-rq__find div:first-child{border-top:0}}\n<\/style>\n<div class=\"tcm-rq\" id=\"real-quotes-cruise\">\n<p class=\"tcm-rq__tag\"><span>TCM Real Quotes<\/span>Priced 3 November 2026<\/p>\n<div class=\"tcm-rq__title\">What it actually costs: a 10-night South Pacific cruise for a couple aged 68<\/div>\n<div class=\"tcm-rq__scen\"><div><b>Trip<\/b>South Pacific cruise from Sydney<\/div><div><b>Dates<\/b>7 to 17 May 2027<\/div><div><b>Travellers<\/b>2, both aged 68<\/div><div><b>Health<\/b>No medical conditions<\/div><\/div>\n<table><thead><tr><th>Insurer and plan<\/th><th>Price for both<\/th><th>Cancellation<\/th><th>Excess<\/th><th>Cruise cover<\/th><th><\/th><\/tr><\/thead><tbody>\n<tr class=\"is-best\"><td class=\"tcm-rq__ins\"><strong>Freely<\/strong><span>Explorer<\/span><br><em class=\"tcm-rq__best\">Lowest price<\/em><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$430.87<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$200<\/td><td data-l=\"Cruise cover\"><span class=\"tcm-rq__ok\">Cruise Trip Extra, $85<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<tr><td class=\"tcm-rq__ins\"><strong>Cover-More<\/strong><span>International Comprehensive<\/span><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$507.00<\/span><\/td><td data-l=\"Cancellation\">$10,000<\/td><td data-l=\"Excess\">$250<\/td><td data-l=\"Cruise cover\"><span class=\"tcm-rq__ok\">Cruise cover added, $32<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<tr><td class=\"tcm-rq__ins\"><strong>Tick<\/strong><span>Standard<\/span><\/td><td data-l=\"Price for both\"><span class=\"tcm-rq__price\">$568.70<\/span><\/td><td data-l=\"Cancellation\">$20,000<\/td><td data-l=\"Excess\">$200<\/td><td data-l=\"Cruise cover\"><span class=\"tcm-rq__ok\">Built in, with $3,000 cabin confinement<\/span><\/td><td data-l=\"Quote\"><a class=\"tcm-rq__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" rel=\"nofollow sponsored\" target=\"_blank\">Get quote<\/a><\/td><\/tr>\n<\/tbody><\/table>\n<div class=\"tcm-rq__find\">\n<div><b>Cruise cover is priced very differently<\/b>Cover-More charged $32 to add cruise cover, Freely charged $85, and Tick builds it into its Standard and Top plans.<\/div>\n<div><b>Watch the cheaper tiers<\/b>Tick's Budget plan was $432.21 with $10,000 cancellation, but it has no cabin confinement, missed port or cruise delay cover.<\/div>\n<div><b>Cancellation is the big cost<\/b>Lifting Freely's cancellation cover from $5,000 to $10,000 added $187.77, more than the base policy price.<\/div>\n<\/div>\n<div class=\"tcm-rq__foot\"><p><strong>How we priced this:<\/strong> quotes taken on 3 November 2026 through each insurer's own online quote form, for a hypothetical couple aged 68 on a 10-night South Pacific cruise leaving from and returning to Sydney, 7 to 17 May 2027. Prices are totals for both travellers, with no medical conditions declared. Cover-More and Freely were priced on their South West Pacific Cruise destination, and Tick on its Domestic, South Pacific and New Zealand cruise region. Tick sets cancellation cover by plan, so its Standard plan includes $20,000.<\/p><p>Your price will differ with your dates, ages, health and the cover you choose. Always read the PDS and get your own quote. We re-price this scenario every quarter.<\/p><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">What the Data Says About Cruising Right Now<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A few numbers worth knowing before you buy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Australia hit 1.08 million cruise passengers in 2025 \u2013 up 16% \u2013 according to CLIA&#8217;s Australia Source Market data. More Australians cruising means more people exposed to exactly the gaps above.<\/li>\n\n\n\n<li>Cruise tourism was worth $8.43 billion to the Australian economy in the 2023\u201324 season and supported more than 26,000 jobs, per CLIA and the <a href=\"https:\/\/www.australiancruiseassociation.com\/\">Australian Cruise Association<\/a>. This isn&#8217;t a niche holiday style anymore.<\/li>\n\n\n\n<li>Roughly one in three cruises worldwide are multigenerational trips \u2013 grandparents, parents and kids sailing together, according to CLIA&#8217;s 2026 State of the Cruise Industry Report. Which means age-related cover gaps and free-kids perks both matter to a lot of families at once.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Actually Buy the Right Cruise Policy<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Make sure the cruise pack is actually selected<\/strong>, not assumed. Check the quote summary before you pay.<\/li>\n\n\n\n<li><strong>Check whether you&#8217;re river or ocean cruising<\/strong>, and read the terms for that specific category \u2013 they&#8217;re often not interchangeable at the same insurer.<\/li>\n\n\n\n<li><strong>Match your cancellation cover to your real cruise fare<\/strong>, including pre-paid excursions, not just the base cabin cost.<\/li>\n\n\n\n<li><strong>Make sure medical evacuation cover is unlimited or very high.<\/strong> This matters more than any other single benefit.<\/li>\n\n\n\n<li><strong>Check your full itinerary against Smartraveller advisories<\/strong>, especially on multi-country cruises.<\/li>\n\n\n\n<li><strong>Sort your base eligibility (age, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">pre-existing conditions<\/a>) before worrying about cruise add-ons.<\/strong> The add-on sits on top, not instead of.<\/li>\n\n\n\n<li><strong>Buy through a standalone travel insurer, not the cruise line&#8217;s checkout upsell<\/strong>, and compare at least two or three cruise-specific quotes before you commit.<\/li>\n\n\n\n<li><strong>Check that <a href=\"https:\/\/www.claudeusercontent.com\/?domain=claude.ai&amp;parentOrigin=https%3A%2F%2Fclaude.ai&amp;errorReportingMode=parent&amp;formattedSpreadsheets=true&amp;contentType=text%2Fhtml#covid-cruise\">COVID-19 cover applies at sea.<\/a><\/strong> Some insurers only extend it to cruises when the cruise pack is added.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What affects the price.<\/strong> Cruise insurance quotes depend on the total trip cost, how long you are away, the ages of everyone travelling, the countries on the itinerary, whether the cruise pack is included, and the excess you choose. The cheapest policy isn&#8217;t always the best one, so compare the medical evacuation limit and COVID-19 terms before you compare price. Once you have two or three quotes, check our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">travel insurance promo codes<\/a> to see whether a discount applies to the insurer you choose.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103389\" class=\"elementor elementor-103389\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-7a6007a e-flex e-con-boxed e-con e-parent\" data-id=\"7a6007a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Other Useful Links<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Got a complaint about a travel insurer? Lodge it with the <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\/insurance\">Australian Financial Complaints Authority (AFCA)<\/a> \u2013 just give the insurer a chance to sort it internally first, usually within 45 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current government travel advisories, including country-specific warnings that matter on multi-port cruises, check <a href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller<\/a> \u2013 Australia&#8217;s official travel advisory service.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cruise options you might consider are <a href=\"https:\/\/thechampagnemile.com.au\/deals\/princess-cruises-promo-code\/\">Princess Cruises<\/a> or <a href=\"https:\/\/thechampagnemile.com.au\/deals\/cruisedirect-discount-code\/\">CruiseDirect<\/a>, or check out our<a href=\"https:\/\/thechampagnemile.com.au\/deals\/cruise-promo-codes\/\"> cruise promo code<\/a> page.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do I need separate travel insurance for a cruise?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, in most cases. Standard travel insurance often skips cruise-specific benefits like cabin confinement, missed port departures, and ship-to-shore medical evacuation. Look for a policy with an explicit cruise cover add-on \u2013 <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a>, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a> and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a> all offer one \u2013 rather than assuming a comprehensive policy has you covered.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does Medicare cover me on a cruise within Australian waters?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No. Medicare generally doesn&#8217;t apply on board, even sailing entirely within Australian waters, because most ships don&#8217;t carry a Medicare-accessible doctor. Onboard treatment gets billed straight to you. Smartraveller recommends private travel insurance for any cruise, domestic or international.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What does cabin confinement cover actually pay for?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It compensates you if you&#8217;re confined to your cabin for a minimum stretch \u2013 usually 24 to 48 hours straight \u2013 due to illness or injury, paying a daily rate up to a cap. It&#8217;s for genuinely being stuck on medical advice, not general seasickness or a mild cold.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is a river cruise covered the same way as an ocean cruise?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not always. Some insurers automatically include river cruise cover in a standard policy, no add-on required \u2013 but might still exclude medical expenses and evacuation for river cruises within Australia. Check the specific terms for your trip type rather than assuming.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Should I buy insurance directly from the cruise line?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Generally, no \u2013 or not exclusively. Cruise line insurance at checkout is usually pretty basic: cancellation or deposit protection, not full travel insurance. Most Australians are better off with a standalone policy and a dedicated cruise cover add-on.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does cruise cover include missed shore excursions?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Most cruise packs cover pre-booked, pre-paid excursions you miss due to a covered event, up to a policy limit. Spontaneous or pay-on-the-day excursions usually aren&#8217;t covered if you cancel \u2013 the benefit&#8217;s built around trips you&#8217;ve already committed to.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover COVID-19 on a cruise?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not always automatically. Most major insurers now include COVID-19 medical cover as standard, but some exclude COVID claims connected to a multi-night ocean or sea cruise unless you have purchased a separate Cruise Cover add-on. Check this specifically rather than assuming your standard COVID benefit extends to the ship.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How much does cruise travel insurance cost?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It depends on your total trip cost, trip length, the ages of travellers, the itinerary, whether the cruise pack is included and the excess you choose. Compare two or three quotes and look at the medical evacuation limit as well as the price.<\/p>\n<\/div><\/div>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"102958\" class=\"elementor elementor-102958\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc77e70 e-con-full e-flex e-con e-parent\" data-id=\"cc77e70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-733ec7f elementor-widget elementor-widget-html\" data-id=\"733ec7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\nsection.tcm-eeat{margin:0 0 24px;font-family:inherit;color:#1c1f2a}\nsection.tcm-eeat ul.tcm-eeat-items{list-style:none !important;margin:0 !important;padding:0 !important;display:grid !important;grid-template-columns:1fr 1fr;gap:10px}\nsection.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item{list-style:none !important;display:flex !important;gap:12px;align-items:flex-start;background:#f5f6fb;border:1px solid #e6e9f3;border-radius:10px;padding:12px 14px !important;margin:0 !important}\nsection.tcm-eeat li.tcm-eeat-item::before,section.tcm-eeat li.tcm-eeat-item::marker{display:none !important;content:none !important}\nsection.tcm-eeat li.tcm-eeat-item > i{flex:0 0 auto;display:block;font-size:20px;color:#b8992e;margin-top:2px}\nsection.tcm-eeat.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item h3{margin:0 0 3px !important;padding:0 !important;font-size:15px !important;line-height:1.35 !important;font-weight:700;color:#0a1f5c}\nsection.tcm-eeat .tcm-eeat-item p{margin:0 !important;padding:0 !important;font-size:14px;line-height:1.55;color:#454a5a}\n.tcm-eeat a{color:#0a1f5c;text-decoration:underline;text-decoration-color:#b8992e;text-underline-offset:2px}\n.tcm-eeat a:hover{color:#b8992e}\n@media (max-width:640px){section.tcm-eeat ul.tcm-eeat-items{grid-template-columns:1fr}}\n<\/style>\n<section class=\"tcm-eeat\" aria-label=\"Why trust us\">\n  <h2 class=\"wp-block-heading\">Why Trust Us<\/h2>\n  <ul class=\"tcm-eeat-items\">\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-map-pin-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Independent and Australian<\/h3>\n        <p>We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-shield-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Sourced and checked<\/h3>\n        <p>Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-refresh\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Kept up to date<\/h3>\n        <p>Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-message-report\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Corrections welcome<\/h3>\n        <p>Spotted something out of date? <a href=\"https:\/\/thechampagnemile.com.au\/deals\/contact\/\">Let us know<\/a> and we will look into it and update the page. See our <a href=\"https:\/\/thechampagnemile.com.au\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n      <\/div>\n    <\/li>\n  <\/ul>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n<div id=\"rh-postel-621327057\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-621327057 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-621327057 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='Michael Coates' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">Michael Coates<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s something most first-time cruisers don&#8217;t find out until it&#8217;s too late: Medicare doesn&#8217;t cover you at sea. Not even in Australian waters. Not even on a cruise that never leaves the coast. Your private health fund won&#8217;t help either. And \u201ccomprehensive\u201d travel insurance \u2013 the kind that seems to cover almost everything \u2013 usually [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98936,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-96916","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare cruise travel insurance in Australia. See what cruise cover includes, how COVID cover works at sea, and how domestic and South Pacific cruises differ.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.5\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Cruise Travel Insurance Australia: Best Cover Compared\" \/>\n\t\t<meta property=\"og:description\" content=\"Compare cruise travel insurance in Australia. 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See what cruise cover includes, how COVID cover works at sea, and how domestic and South Pacific cruises differ.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/best-travel-insurance-for-cruises-feature-image.jpg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/#aioseo-article-msbgtvrm\",\"name\":\"Cruise Travel Insurance Australia: Cover, COVID and What to Look For\",\"headline\":\"Cruise Travel Insurance Australia: Cover, COVID and What to Look For\",\"author\":{\"@type\":\"Person\",\"name\":\"Michael Coates\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/author\\\/michael\\\/\"},\"publisher\":{\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/best-travel-insurance-for-cruises-feature-image.jpg\",\"width\":1200,\"height\":630,\"caption\":\"#image_title\"},\"datePublished\":\"2026-08-02T13:11:48+09:30\",\"dateModified\":\"2026-11-04T05:34:32+10:30\",\"inLanguage\":\"en-AU\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/#listItem\",\"name\":\"Guides\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/#listItem\",\"position\":2,\"name\":\"Guides\",\"item\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/#listItem\",\"name\":\"Cruise Travel Insurance Australia: Cover, COVID and What to Look For\"},\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#listItem\",\"name\":\"Home\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/#listItem\",\"position\":3,\"name\":\"Cruise Travel Insurance Australia: Cover, COVID and What to Look For\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/#listItem\",\"name\":\"Guides\"}}]},{\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/#faq\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-cruises\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do I need separate travel insurance for a cruise?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, in most cases. 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