When don’t I need cruise cover?

Cruise cover is not needed for the following types of cruises or trips. You can answer 'No' when asked if you are going on a cruise for the following types of cruising:  

• Day trip on a cruise ship and you are not sleeping on the ship. For example, a short day cruise on a bay, such as Ha Long Bay in Vietnam.  
• Taking a river cruise along a river such as the Danube or Seine   
• Two separate 3-day cruises in the Asia, Europe or Worldwide regions (unless the cruises are back-to-back in which case you will need to choose cruise cover).  
• Sailing on a yacht (see the Sailing FAQ for further terms and conditions that apply).  
• Catching a ferry between islands and you are not sleeping on the ferry. For example, island hopping on a small boat that is not a cruise ship or taking a short one-hour ferry ride to an island.  
• Cruising on a house-boat where the boat that you are on does not satisfy our definition of a cruise ship (see the Sailing FAQ for further terms and conditions that apply).  Activities on house-boat may be considered as sailing. Sailing (including on a house-boat) up to 10 nautical miles off any land mass is covered under our list of covered sports and leisure activities. However, sailing (including on a house-boat) from 10 nautical miles up to 15 nautical miles off any land mass (but not competition or racing) requires the Adventure Pack to be added to your policy for an additional premium. Please note the Adventure Pack is available for travellers aged 74 years and under at the date of policy issue. 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.