We have three cruises booked for next year and I've been agonizing over travel insurance for the last few months. Those PDS's can do your head in.
But after reading your post mentioning Qantas I went to their website and did a quick quote for an annual multi trip but the phone rang and I never finished it. About an hour later I got a phone call from a Qantas insurance agent. I had signed in to my FF account when filling in the quote so I guess they have all my details at hand. Bottom line, I was able to ask him all the questions that I needed answers to and I liked his answers. My two main concerns were, seeing it doesn't mention cruising anywhere, were we covered for health cover at sea. Yes is the answer. Secondly if I test positive as I'm about to board the ship will I get any of my cruise fare back. Yes, up to $7500 per person. Our round Australia trip on the Coral is more than that but the most I could see on any of the other insurance sites was $5000.
The other thing which I'm sure most people know but I didn't, is even though my partner will have had his 70th birthday by the time we board our third cruise it doesn't change the cover as the policy was taken out when he was 69. We are are off to Antarctica in January 2024 so I will make sure I buy the insurance for that trip before his birthday next year.
I didn't even know Qantas offered travel insurance so thank you for your post. It was most illuminating.
cheers
Stu