The Role Of Travel Insurance

The day has dawned…

You have planned a romantic cruise with your partner as a second honeymoon.

The sun is shining as you leave home heading for your departure point to board the great white cruise liner and set off for dreamy islands and exotic destinations on a floating hotel packed with great entertainment, great food and accommodation and perhaps the odd glass of wine.

What could possibly go wrong?

Trip Interruptions

Imagine your cruise ship encounters a serious mechanical problem, leading to the cancellation of the voyage and necessitating disembarkation at the next port.

While the cruise line often assists passengers in these situations, a travel insurance policy provides comprehensive coverage and reimburses for unforeseen expenses like hotel stays while waiting for a return flight. It can also facilitate quicker arrangements to get you home, which might be more challenging for the cruise line dealing with thousands of passengers​.

In addition, simple bad weather can prevent a ship from arriving at some destinations where strong winds make it dangerous to enter.

Trip Cancellation

So, your cruise line has decided to insist on a negative Covid test before you board. And one week before your trip, you test positive! Cancelling your trip without insurance can lead to hefty penalties or a complete loss of the trip’s value. Travel insurance could cover these out-of-pocket expenses that are otherwise non-recoverable​.

Trip Delays or Missed Connections

Delays are common in travel. If your taxi to the airport breaks down or a flight is delayed it could cause you to miss your cruise Travel insurance can cover the costs associated with these delays and missed connections​.

In addition to these scenarios, travel insurance for cruise ships can offer broader protection, such as coverage for medical emergencies, lost or delayed baggage, and even specific issues like travel during the hurricane season. Although the vast majority of cruises proceed without issue, the unpredictable nature of travel, especially in the unique environment of a cruise ship, makes having insurance a very wise decision.

Travel insurance should be a critical component of your cruise ship vacation, offering peace of mind and protection against various unexpected situations.


Talk to Roger Hosie from #RSMTasmania today.
Call Now! (03) 6244 7854, or email


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