Cruising is seen as an idyllic form of travel. You can sit back and let the world drift past your window, equipped with every luxury available, without the hassle of having to unpack every time you arrive at a new destination.

But remember, the moment your ship has left port, you’re no longer covered by Medicare. So if you’re thinking of setting sail on a cruise holiday, you’d be well advised to sort out cruise travel insurance in advance.

Medical facilities on most cruise liners are necessarily limited and this can result in sick or injured passengers being off-loaded at the next port in order to receive treatment at a proper hospital. In this instance it’s handy to have cover not only for the medical treatment but also possible repatriation to Australia.

As well as emergency medical issues, you will want to factor in cover for potential delays, disruptions and lost luggage.

Cruising cover is not necessarily a specific sub-category of insurance and will often fall under the umbrella of standard international travel policies, but it’s best to double-check the specifics.

If your travel plans involve cruising for more than four consecutive days, you may have to select ‘cruise cover’ as an additional option to your standard international policy, depending on the insurer. Some companies will provide automatic cover whilst on a cruise, though an alternative is that you may wish to purchase cover from a provider specialising in cruise travel insurance.

It’s not always easy to say ahead of time exactly which activities you will want to partake in during your trip, as so much of the travel bug is governed by whim. However, try to factor in any potential onshore activities that may arise such as scuba diving or parasailing and check that your chosen policy will cover you in these cases.

This is general advice only and does not take into account your individual needs, objectives or financial situation. Before you buy any policy, make sure you read the product disclosure statement.

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