Your cruise ship leaves tomorrow, your suitcase is packed and you check your list…passport, tickets, money and credit cards, camera, phone and phone card, sunscreen, clothes and travel insurance?

You’d be shocked at how many Australians travel overseas without travel insurance but at Cruise Express we believe it’s just as important as your passport. Let’s be honest…no matter how prepared, organised or healthy you may be, sometimes things in life just don’t go to plan and that can include when you’re on holidays.

Of course, the vast majority of travellers enjoy incident-free vacations but just in case something goes wrong – you may get sick or have an accident, your flight or cruise could be cancelled or delayed or you could lose your luggage, passport or purse – it makes good sense to be prepared and cover yourself if your plans do come undone.

Over the years, Cruise Express has seen many clients benefit from travel insurance while on holidays. It’s important to note that you are not covered by Medicare overseas and if you don’t have travel insurance, you could face hefty bills. Travel insurance is also vital on shorter cruises close to home to destinations such as New Zealand or the South Pacific. ‘

Even if you cruise to ‘nowhere’ on a weekend cruise from Sydney or Perth or sail on a ship on a domestic leg from Sydney to Melbourne, you need travel insurance to cover the cost of international doctors aboard the ship as Medicare does not cover you onboard.

Some credit cards have built-in travel insurance but it’s wise to check the conditions first to ensure the coverage is adequate for your trip and any pre-existing health issues you have. The coverage credit cards offer can sometimes be basic and could leave you short so alternative travel insurance will be necessary. And these days, many of us travel overseas with expensive smartphones, laptops and other electronic and digital devices so you need to ensure these are also adequately protected in your travel insurance. An extended cover may be required for these valuable items.

Cruise Express supports the Government’s motto that if you can’t afford travel insurance, you can’t afford to travel. It’s that important. Of course, Cruise Express can organise travel insurance coverage for you. We can help organise the best policy for you, taking into account your age and pre-existing health conditions. In fact, we can help organise travel insurance that covers more than 3000 pre-existing health conditions. And if you book your travel insurance direct via our website – see the Cruise Tools tab (link) – you can enjoy a 10 percent discount.

We have compiled here a ‘Top 10’ list of tips for travel insurance which we hope helps you when deciding what coverage is best for you and your dream holiday.

Top 10 Travel Insurance Tips

1. Organise your travel insurance when you make the booking and pay a deposit on your trip to ensure you are protected right from the start in case plans change.

2. You should take out travel insurance on all cruises you do – long or short, overseas or around Australia, even weekend cruises to ‘nowhere’ as Medicare does not apply to medical centres onboard.

3. Read the conditions of your policy to ensure your coverage is adequate for the items (including expensive digital devices) and luggage you take with you and buy along the way and any pre-existing health conditions you may have.

4. Take photos and records of valuable items you will take on holiday, including your passport, and email them to a webmail address you can access if required. Also take the photos with you and keep them separate from the goods.

5. Report any stolen property to local police as soon as possible and obtain a police report to help with your insurance claim. The more paperwork you have, the easier it will be to make a claim.

6. Bring your insurance policy with you and also store copies of it on your phone, webmail or laptop.

7. If you need to make a claim, ring your insurer (be sure to carry the phone number with you) while you are still on holidays to see what action is required.

8. Check the Federal Government’s Smart Traveller website for helpful information on travel insurance.

9. Talk to a member of our Cruise Express team about travel insurance. We can help organise and book your travel insurance for you. And if you book your travel insurance direct via our website – you can enjoy a 10 per cent discount.

10. Enjoy your cruise, knowing you have travel insurance if you need it!

We’re here to help because we care about your holiday and we want to ensure you have the vital protection and invaluable peace of mind that travel insurance provides.

Call today on 1300 766 537 or visit our website to find out more!