About Cruise Travel Insurance
Australia Post offers a range of basic and comprehensive travel insurance policies to cover you during your multi-night cruise. If you wish to be insured for your cruise, or for claims relating to your cruise, you must include cruise cover on your policy. Select from our range of travel insurance plans to suit your travel needs.
Benefits
- Lost or stolen luggage and belongings (comprehensive plans only)2
- Cancelling a pre-booked cruise due to unforeseen circumstances (comprehensive plans only)
- Medical expenses cover
- COVID-19 benefits1,3
- Emergency medical assistance1,2
Benefit | Description | Basic cover limit | Comprehensive cover limit |
|---|---|---|---|
Overseas medical expenses (including if diagnosed with COVID-19 overseas)1,3 |
Overseas hospital, medical, surgical, nursing, ambulance and emergency dental expenses. |
$unlimited1 |
$unlimited1 |
| Additional expenses (including if hospitalised with COVID-19)2,3 |
Additional accommodation and transportation expenses resulting from events such as sickness, natural disasters, loss of travel documents and strikes.
Includes cover for hospitalisation due to COVID-19. |
$unlimited5 |
$unlimited5 |
| Additional expenses (if unfit to travel due to being diagnosed with COVID-19)2,3 |
If you test positive for COVID-19 and are certified by a qualified medical practitioner as unfit to travel. |
$5,000 |
$5,000 |
Accidental death2,3,6 |
A benefit will be paid to you if you die within 12 months from an injury that occurred during your trip. |
$10,000 |
$25,0006 |
Disability2,3,6 |
Cover for an injury that causes permanent total loss of sight in one or both eyes, or the permanent total loss of use of one or more limbs within 12 months of the date of the accident.. |
$10,000 |
$25,0006 |
Personal liability3 |
Personal liability if your negligent act or omission during the journey causes bodily injury or damage to property of other persons. |
$5,000,000 |
$5,000,000 |
Amendment or cancellation costs2,3,4 |
Cost of rearranging or cancelling your journey because of unforeseen circumstances outside your control such as illness accidents and extreme weather conditions. |
|
Cover chosen4 |
Luggage and personal effects2,3 |
Replace, repair or pay you the value in cash of lost, stolen or damaged luggage and personal effects. |
|
$12,000 |
Frequently asked questions
Yes, under the International Comprehensive and Domestic travel insurance plans, these items are all covered, but individual limits apply.
You can increase your individual item limits when you take out your policy (additional premiums apply).
See the Product Disclosure Statement for full details.
When considering travel insurance options, an “existing medical condition” has its own special meaning in our travel insurance policy.
“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that, at the Relevant Time*, You were aware of or a reasonable person in Your circumstances could be expected to have been aware of, by reference to all relevant factors including whether it meets any one of the following:
- Has required an emergency department visit, hospitalisation or day surgery procedure within the last 12 months.
- Requires:
- prescription medication from a qualified medical practitioner;
- regular review or check-ups;
- ongoing medication for treatment or risk factor control; or
- consultation with a specialist.
- Has:
- been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;
or
- required surgery involving the abdomen, back, brain, joints or spine that required at least an overnight stay in hospital.
- Is:
- chronic or ongoing (whether chronic or otherwise) and medically documented;
- under investigation;
- pending diagnosis; or
- pending test results.
“Relevant Time” in respect of:
- Single Trip policies means the time of issue of the policy.
- Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.
To make a claim, submit your claim form online or by mail within 60 days of your return date. If you're still waiting on supporting documents, you can submit the form first, then send the additional paperwork later.
We'll aim to process your claim within 10 business days of receiving it. If you miss the 60-day deadline, include a cover letter to explain why, and we'll review it.
For any questions or help, call us on 1300 728 015. If you're unhappy with the outcome of your claim, you can escalate it to our Customer Relations Team and, if needed, to the Australian Financial Complaints Authority.
We'll process your travel insurance claim as quickly as possible - you'll hear from us within 10 business days of receiving your claim.
Still need help? Call us on 1300 728 015.
Please contact us on 1300 728 015, 7 days a week (8am - 7pm Mon-Fri, 8am-7pm Sat, 10am – 3pm Sun)
This advice is general in nature and doesn't consider your personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.
1 Medical and dental cover will not exceed 12 months from onset.
2 Sub-limits apply.
3 Limits, sub-limits, conditions, exclusions and fees apply.
4 Cover chosen applies per policy.
5 Limits apply to subsections point 2 and 5f. Refer to PDS.
6 Maximum liability collectively for Sections Loss of Income, Accidental Death and Disability is $25,000 on the International Comprehensive Plan and $10,000 on the Domestic plan.
Limits, sub-limits, conditions, exclusions, and fees apply. Travel insurance policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) (Australia Post) as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551) distributes the travel insurance policies.
Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) underwrites policies. Any advice provided is general in nature. Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy travel insurance policy. For more information, please contact 1300 728 015 or email auspost@travelinsurancepartners.com.au.