Yes. Travellers on cruises can select any of our policies. However, it's important to select the right destination(s) when you purchase to ensure you have the coverage suitable for your travelling needs.

If you are going on a domestic cruise, you must specify "Australian cruise". If you select "Australia" as your destination, you will not be covered for medical expenses if you are injured or sick onboard a cruise.

In an emergency situation, please contact our Emergency Assistance team as soon as possible.

From Overseas call +61 2 8883 7079 and ask for a reverse charge call if required.

From within Australia call 02 8883 7079.

Have your policy number handy when you call as it helps us identify you quickly.

Depending on your policy, we cover permanently lost, stolen and accidentally damaged luggage items. Please refer to the Product Disclosure Statement for full details and conditions.

For loss or theft of your luggage and personal effects, you must report the incident to the police within 24 hours of becoming aware of the loss for the claim to be considered.

If you lose something, you still need to report it to the police and obtain a written statement from the appropriate authority (e.g. airline, rail authority) you were travelling on when the loss occurred. You must also provide receipts or proof of purchase for the items that have been lost/stolen/damaged.

If there is an excess, it will be deducted from each luggage and personal effects claim, unless you removed the excess when you purchased your policy.

You can lodge a claim for the loss while you are still travelling or upon your return to Australia. You can make a claim online now, call us on 1300 10 1234 or submit your claim by post or via email.

There is no cover for laptops, tablets, mobile phones, cameras or video cameras under a Saver Travel Insurance policy. You may wish to consider Basic Travel Insurance or Comprehensive Travel Insurance instead.

There may be cover available provided there was no travel warnings or alerts (i.e. Media alerts or Government alerts through Smart Traveller, in place before you purchased the policy or if you are travelling in the destination as it happens.

Instances in which there may be cover (depending on your policy cover), include:

• Accommodation and transport expenses incurred due to the natural disaster.
• To reimburse for cancelled, delayed, shortened or diverted scheduled or connecting transport due to the natural disaster.
• Any medical expenses (urgent and non urgent) which have been incurred due to the natural disaster.

A natural disaster includes the following events: floods, earthquakes, tsunamis, landslides, volcanic eruptions and cyclones.

Please refer to the Product Disclosure Statement for full terms and conditions including limits and exclusions of the insurance policy.

 

If you travel to a particular country, or parts of a particular country, against the advice of mass media, the government, or another body's warning, where there are reports of a strike, riot, bad weather, civil protest or contagious disease (epidemic or pandemic) and you did not take appropriate action to avoid this, then you will not be covered.

Before making travel plans and directly before leaving for your trip, you should check out World Health Organization and Smart Traveller for further information regarding the country(s) you are travelling to and their status, to ensure that there is cover for the destinations you are planning to travel to.