Travel Insurance for Cruise Trips Image

Travel insurance for cruise trips

If you are looking to book a cruise trip, see what our plans can cover before you set sail.

In March 2020, following the global spread of COVID-19, the Australian Government took a step to protect the Australian community banning the entry of large international cruise vessels into Australia.

On the basis of medical advice, the Australian Government will not renew the ban on international cruise ships arriving and departing from Australian ports, when the current determination expires on April 17. This means that cruise ship bookings are opening up for later this year.

If you are looking to book a cruise trip, see what our plans can cover before you set sail.


COTA Travel Insurance can cover cruise related events such as:

  • You get sick with gastro on your cruise
  • Your flight is delayed and you need to get to your cruise on time
  • Your luggage items such as your cruise formal wear is accidentally lost, stolen or damaged
  • You’re retrenched from your permanent employment in Australia before you embark on your cruise
  • You’re out-of-pocket when you miss a shore excursion because your cruise is delayed due to severe weather
  • You need medical evacuation from your ship.


Cover offered for some coronavirus-related events on cruises

Cover for some coronavirus related events is available on all plans (excluding the Cancellation and Additional expenses plan), but the types of benefits and benefit limits vary.

As much as we’d love the plans to cover every coronavirus-related scenario that a traveller can think of, that’s not what travel insurance is designed to do, so read the Product Disclosure Statement (PDS) carefully to know what is, and isn’t, covered.

COTA Insurance policies include plans which offer cover for:


Overseas Medical Benefit

If you get sick with coronavirus while on your trip, all COTA international travel insurance plans include cover for overseas medical expenses. As always, these are subject to the terms, conditions, limitations and exclusions around existing medical conditions.


Medical evacuation and repatriation

All COTA international travel insurance plans include cover for medical evacuation and repatriation if we agree it’s medically necessary, up to the relevant benefit limit.


Coronavirus Travel Costs

The Coronavirus Travel Costs benefit is available on the International Comprehensive, Australian Travel and Annual Multi Trip plans. Plans including Coronavirus Travel Costs can provide cover for several coronavirus related events, including cover for quarantine expenses and trip cancellation if you are diagnosed with coronavirus, up to the relevant benefit limit.


This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read the Product Disclosure Statement (PDS) before buying.


Domestic or International?

Even when cruising just off the coast of Australia, one of our international plans will need to be chosen in order to have cover on board for medical treatment. Our domestic plans can offer cover for inland river cruises within Australia.


Get a quote via our website or contact one of our friendly staff today on 1300 1300 50 and get cruising!



Insurance and Membership Services Limited ABN 59 057 159 743, AR 246235 trading as COTA Travel Insurance is an authorised representative of nib Travel Services (Australia) Pty Ltd, ABN 81 115 932 173, AFS Licence No 308461 and act as nib’s agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.




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