Travel Insurance Direct

Cruise Travel Insurance

Our policies automatically include cover for cruises.

Planning a cruising holiday? Find out what TID can cover you for.

Ahoy, it's time to hoist the sails and set off on your next adventure…a cruise! Picture this: you're gliding across the glittering ocean, hopping from one exotic destination to another, with endless entertainment and relaxation at your fingertips. Pure bliss, right? 

Travel Insurance Direct covers cruising as a standard inclusion, which means you won’t need to fork out for additional premiums and can keep the cash you’ve saved for land visits or the fun stuff on board.

Why should I consider travel insurance?

Every year millions of travellers board vessels, big and small, bound for dreamy destinations like the South Pacific, to places like Fiji, Samoa, Noumea and the Solomon Islands.

While most of the time it’s smooth sailing, a cruise holiday can sometimes go off course. Your cruise may encounter unexpected situations; you might fall ill mid-journey; or you could face delays you hadn’t counted on. All these circumstances can prove costly if you haven’t considered travel insurance – medical expenses, an illness onboard, and medical evacuation costs alone can be exorbitant, depending on the location. 

What's covered?

  • Overseas medical expenses: Cover for overseas medical emergencies like sudden illness or severe injury you suffer whilst cruising overseas. Available only on international plans, as Australian waters are not classified as domestic.
  • Medical evacuation and repatriation: Assistance may be provided for necessary additional travel and accommodation to the nearest suitable medical facility. 
  • Cancellation or holiday deferment costs: Coverage for trip cancellations due to unforeseen illness or injury (refer to your Product Disclosure Statement (PDS) as terms and conditions apply)
  • Luggage and personal effects: Cover for when your bags are lost, stolen or damaged. Insurance covers accidental loss, theft, or damage, with certain terms and benefit limits (see luggage policy section).
  • Coronavirus travel costs: Support available if COVID-19 affects you, your travel companion, or a close relative, impacting your trip. Subject to benefit limits and adherence to government warnings.
  • Personal liability: TID may provide coverage for damages and compensation due to your negligence causing injury or property damage – excluding injuries to yourself or your group, or damage to property owned by you or your group.

Always check the terms and conditions of your policy and read the PDS before purchasing. 

Traveller Tip 1: still in planning stage? Check out the articles we’ve written about cruising.

Get an instant quote and get your next journey started today.

What's not covered

  • Reckless behaviour: If you intentionally place yourself in circumstances, or activities, which pose a risk to their personal safety (except in an attempt to save a human life), it may affect your cover.
  • Intoxication: Drinking and then partaking in other activities can be risky… if you’re intoxicated by alcohol, any events that arise due to intoxication will not be covered. 
  • You travel when there are ‘Do Not Travel (DNT)’ warnings in place: TID travel insurance won’t cover you for losses that arise from an event if you:
    • plan to travel to; or
    • travel to; or 
    • remain in;
    • a region the Australian Government has issued a DNT warning.  
  • Luggage and personal effects: If you leave items unattended in a public area and they get stolen, you may not be covered. 
  • High-risk activities: We’re talking things like sitting on a railing high above a drop to a deep gorge for a selfie, or diving into the shallow end of the pool just because you can... - it’s not just a stupid idea - it's also not covered. 

Traveller Tip 2: you’ve no doubt eagerly awaited this cruise, the last thing you want is to spend it stuck in your cabin sick. Keep in mind that close quarters means germs are easily spread, and gastro can run rampant on cruises. Your health is number one – if you’re considering packing cruise travel insurance with those port maps, grab a quote here.


Need to make a claim?

You can claim anywhere, anytime, online. 

Need to know more?

Hit a bit of a snag and need some help? Consider our 24/7 Emergency Assistance team your lifebuoy; ready to support and steer you through choppy water.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.


If you're taking some time to explore your own backyard, our Domestic plan protects you for trips within Australia. It can cover you for car hire excess, lost or stolen valuables and cancelled accommodation.

The Works

Our most popular plan, The Works offers broad cover for international trips including cover for costs such as unlimited medical expenses for up to 12 months and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? The Basics plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trips you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Cruise travel insurance FAQs

Can I purchase travel insurance while already travelling or on a cruise?

Yes, although a 72hr waiting period applies. You can get a quote here.

Can I extend my policy when already overseas?

Depending on your circumstances, if you want to change the dates of your cover, you’ll need to either extend your policy or buy a new one (for the additional days). Your best bet is to contact us and discuss your situation.

Can I be covered on a domestic policy if I’m only cruising in Australian waters?

For cruises in Australian waters, you'll need an international policy, and you’ll need to select 'Australian Waters' when purchasing. If you return to port and receive medical treatment in Australia, these expenses are not covered by our policy and should be claimed through Medicare or private health insurance.


We are only going on an overnight cruise for part of our journey, do we still need cruise cover?

Cruise cover is included in all our policies, meaning you just need to ensure you’ve included all destinations when purchasing.

My cruise stops at multiple destinations. Do I need to list them all?

You should ensure that you list all the regions you'll be visiting. E.g. you can choose "South Pacific" as a destination, which covers you for the most common cruises out of the east coast of Australia.

What if I need to get off the cruise early?

Chances are, this will only be necessary in a medical emergency. Assuming we provide cover for your condition, we can look after you (and your family, if necessary) until you’re well enough to go home, or we may decide to repatriate you home if medically necessary.

This is a brief summary of cover only and does not include the full terms, conditions, limitations, and exclusions. Read the PDS before purchasing.

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