Am I covered to go on a cruise?
Yes. You are automatically covered while on a cruise under the relevant sections of your travel insurance policy.
The optional Cruise Cover add-on provides additional cruise-specific protection.
Your policy schedule will show whether you have purchased this upgrade.
What additional benefits does Cruise Cover provide?
Cruise Cover can include:
Costs to re-join your cruise after an eligible missed departure.
Costs to re-join the ship if you miss it during a trip ashore.
A benefit for an eligible missed port.
Cabin confinement due to a covered accident or illness.
Increased baggage and valuables limits.
Unused pre-booked excursions where you are confined to your cabin because of a covered accident or illness.
When can re-joining costs be covered?
Cover can apply if you miss the initial cruise departure or arrive too late to re-join the ship following a trip ashore because of:
Failure of other public transport.
An accident involving your vehicle.
Vehicle breakdown.
An accident, breakdown or unexpected traffic incident causing an unexpected delay.
Adverse weather.
A strike.
The policy can cover reasonable additional:
Room-only accommodation.
Economy-class public transport.
to enable you to re-join your cruise.
There is no cover where the missed departure is caused by:
Terrorism.
War.
A pandemic.
Regional quarantine.
How early do I need to arrive at the cruise port?
You must allow at least 3 hours between your planned arrival at the port and the scheduled sailing departure time.
When is a missed port covered?
A benefit can apply if, after your cruise has started, a scheduled port is cancelled because of:
Adverse weather.
Timetable restrictions.
and no alternative port is offered.
A missed-port claim is not covered in certain circumstances, including where:
You fail to attend the port visit.
The ship cannot put passengers ashore because of mechanical or operational failure of its tender or another boat used for disembarkation.
The cruise operator offers monetary compensation, including onboard credit.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.