ship on the water

River Cruise Cover

On every Emerald Waterways European river cruise, you will automatically be covered from the commencement of your cruise for any delays or cancellations that occur due to unforeseen circumstances. There's nothing extra to pay, we automatically cover you in the price of your cruise.

We understand that you have invested a lot in your Emerald Waterways holiday, and our river cruise cover is designed to give you peace of mind and allow you to enjoy your time on board, safe in the knowledge that you are covered in the event of anything not considered typical or usual to river cruising.

The River Cruise Cover

If Your Emerald Waterways Cruise is delayed or cancelled after You have commenced Your Emerald Waterways Cruise and before you have disembarked and completed Your Emerald Waterways Cruise due to:

  1. mechanical breakdown;
  2. riots;
  3. strikes;
  4. civil commotion;
  5. river or canal lock damage or closure;
  6. adverse weather conditions; or
  7. natural disasters;

Depending on the level of Your Emerald Waterways Cruise, You will be paid up to a maximum of $1,000 for each full 24 hour period from the start of the delay or cancellation up to a maximum of $7,000 (or seven (7) consecutive 24 hour periods) or the originally scheduled end date of Your Emerald Waterways Cruise, whichever is the lesser.


We will not pay for claims arising directly or indirectly from:

  1. Consequential loss of any kind including loss of enjoyment or any financial loss not specifically covered in the Policy;
  2. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), Civil War, rebellion, revolution, insurrection or military or usurped power;
  3. any loss or expense with respect to Cuba or a specially designated person, entity, group or company on the Specially Designated List or which if reimbursed or paid by Us would result in Us being in breach of trade or economic sanctions or other such similar laws or regulations;
  4. any nuclear reaction or contamination, ionising rays or radioactivity;
  5. any Goods and Services Tax (GST) liability or any fine, charge or penalty You are liable for because of a failure to fully disclose to Us Your input tax credit entitlement for the premium;

Examples of what is classed as a normal disruption and is therefore not covered:

  • If high water levels prohibit the sailing of the ship for an afternoon but we are able to make it under the bridge that evening and deliver you to your scheduled disembarkation place the following day.
  • If we swap ships due to high/low water and the ship swap takes less than 6 hours to complete
  • If we embark/disembark the ship less than 100 kilometres from your scheduled point of embarkation
  • If we have to make alternate arrangement for any itinerary activities. For example, if due to prevailing conditions we are not able to attend Melk Abbey and we select a replacement of similar quality, this will not constitute an event of delay.