When do I need to take out a cruise policy?

Customers will need to specify ‘cruise’ during their application, if the cruise ship that they are going on, satisfies our:  

1. Definition of a cruise ship: a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that you are travelling in).  
2. Requirements regarding the number of nights you will be sleeping on the cruise ship.  

For travel in Australia (Domestic), New Zealand and the South Pacific Regions:  

• If you are sleeping on the cruise ship for one or more nights, you will need to purchase Cruise cover.   

For travel in the Asia, Europe or Worldwide Regions:  

• If travelling in the Asia, Europe or Worldwide Regions and you are sleeping on the cruise ship for four or more nights, you will need to purchase the Cruise cover.  

Example 1: if you will be cruising for 7 days around the Greek Islands, Croatia or Ha Long Bay, you must answer 'Yes' to Cruise and pay the additional premium to have cover for this type of cruise.  

Example 2: If you will only be cruising around the Greek Islands, Croatia or Ha Long Bay for 3 nights or less, you should answer 'No' to the cruise question, as this is covered under our non-cruise policies.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.