What you need to know about medical cover for cruising
As mentioned above, travel insurers, by law, cannot cover medical expenses incurred within Australia. However, having an international travel insurance policy provides travellers with cover for medical expenses incurred while out at sea or while overseas.
Domestic travel insurance does not cover medical expenses, regardless of whether they're incurred in Australia or at sea. These expenses may be covered by Medicare or a private health fund, provided the treatment is given by a Medicare-registered doctor on board the ship.
However, many cruise operators employ international doctors who don’t meet this criteria. Travellers will need an international policy to be covered for treatment by an international doctor.
International travel insurance provides cover for medical expenses incurred at sea or overseas.