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Cruise Travel Insurance

Set sail by adding an optional Cruise Pack to your Travel Insurance

Cover for when you’re sea and ocean cruising

Our optional cruise pack is designed to cover medical expenses onboard, ship to shore evacuations, cabin confinement, pre-paid shore excursion cancellation, loss and damage to formal wear and more1.

To be covered while cruising, our Comprehensive, Domestic and Multi-Trip plans allow eligible customers the option to add a Cruise Pack for an additional premium.

What does our Cruise Pack cover?

This is a limited summary of cover provided for our Cruise Pack only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

  • Medical Cover while Cruising2
    If you’re injured or become sick on a cruise (including pre-existing medical condition/s for which we have agreed in writing to provide cover). We can reimburse reasonable medical or hospital expenses you incur. We can do this until you either return to Australia or disembark at the end of your domestic cruise, provided the relevant injury or sickness is covered by your policy.
  • Evacuation Cover - Ship to Shore2,3
    If you injure yourself or become sick while on a cruise, provided the relevant injury or sickness is covered by your policy. We will arrange and pay certain assistance services you may need. These may include:
  • access to a medical adviser for emergency medical treatment;
  • medical transfer or evacuation to the nearest overseas hospital or back to Australia; and
  • return of your dependants to Australia, if they are left unsupervised following your admission to hospital or evacuation.
  • Cabin Confinement2,3
    If you are confined to your cabin or medical facility for a period of more than 48 consecutive hours due to an injury or sickness. We will pay you $50 for each 24 consecutive hours that you continue to be confined beyond the initial 48 consecutive hours.
  • Pre-paid Shore Excursion Cancellations2
    If you can't go on your pre-booked and pre-paid shore excursion because you're confined to your cabin or in a cruise medical facility due to reasons beyond your control. We will reimburse you for the pre-paid shore excursion costs that you can't get refunded.
  • Formal Wear Expenses2
    If, during the period of cover for your journey, your formal wear is stolen, accidentally damaged or is permanently lost, you may be covered.
  • Formal Wear Delay Expenses2
    If your formal wear is delayed, misdirected, or misplaced for more than 12 consecutive hours during the outbound part of your journey from the time you board your cruise and you need to purchase or hire replacement formal wear during this period, we will reimburse you for the reasonable purchase or hire costs you incur.
  • Marine Rescue Diversion2,3
    If during your period of cover, your cruise is diverted from its scheduled course to carry out a marine rescue, you may be paid $100 for each day your cruise is diverted, up to a maximum of 5 consecutive days.

Why choose us?

Thousands of satisfied customers

We value what our customers have to say about their experience with us

Network of medical experts

We have around 150 Registered Nurses and Doctors available worldwide

Emergency assistance available

Our Australian-based case managers can help provide the support you need – 24 hours a day, 365 days a year

We’re an established insurer

Join over 4 million customers who choose Allianz Australia

Ready to find travel insurance for your cruise?

Frequently asked questions

With Allianz Travel Insurance, the cruise pack is an optional add-on to your travel insurance policy. When you purchase your policy you will be asked if you are going sea or ocean cruising. You have the option to add a cruise pack for an additional premium. Your premium will be adjusted if you select the Cruise Pack. 

When you add a cruise pack to your travel insurance policy you will have medical cover while cruising (provided the relevant injury or sickness is covered by your policy) and evacuation cover (ship to shore). Other benefits such as pre-paid shore excursion cancellations and damaged or delayed formal cruise wear1 are also included. 

You will not need to purchase a Cruise pack if:

  • you will only be participating in river cruising - this activity is automatically covered in the section Activities included in this Product on page 20; or 
  • you are travelling in Australian waters as a passenger on a vessel which does not have on-board accommodation and trained medical staff. For example: a 1/2 day catamaran cruise around the Whitsunday Islands.

For more details and to ensure that you purchase a cover that suits your needs, consider reading the relevant Product Disclosure Statement (PDS). 

Our Cruise Pack is an optional add on that provides specific cover while cruising. The cost of your travel insurance for your cruise will depend on a number of factors, such as the duration of your trip, your age and the destination(s) you are travelling to. 

The level of medical attention is related to the seriousness of the ailment. If you get sick or injured you may need to visit the on-board doctor. If your illness or injury is serious, you may require further treatment off the ship. You will be transferred to hospital at the next port or evacuated from the cruise ship.

There is also the risk of norovirus gastroenteritis outbreaks as well as COVID-19 on cruise ships. Ship doctors are private so the out-of-pocket expenses can be significant.

If you have purchased a cruise pack you may be covered for your medical expenses, cabin confinement and any pre-paid shore excursions that you may need to cancel1.

Even if you are on a cruise that is travelling in Australian waters, Medicare may not cover you. The cruise ship may not have an Australian accredited Medicare-accessible doctor on board to treat you. 

Purchase a Cruise Pack to add to your Domestic travel insurance to ensure you’re covered for any medical expenses that may arise from sickness or injury1.

Yes, our cruise pack is available to travellers of any age on our Comprehensive and Domestic plans1. If you’re a traveller on a Multi-Trip plan you can also purchase a cruise pack. However a Multi-Trip policy is only available if you’re under 75 years at the time the Certificate of Insurance is issued1.

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*Conditions apply

  1. Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
  2. You only have cover for these benefits if the relevant pack has been bought.
  3. Sub-limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the Product Disclosure Statement for full details.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.


Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.