As soon as you set food on the ship, your Medicare cover ceases, so if you need medical treatment you would have have wait till you are at a port and take yourself to the doctor. Insureandgo shows Aust/New Zealand cruise cover. Is the issue your pre-exisiting?I have recently had some trouble with TI as I have a pre-existing heart condition, but haven't had a heart attack. I usually use Insureandgo but have also used Defence Health Travel Insurance. If one has Health Insurance with Defence Health, one also gets a discount. We did try to make a small claim with Defence Health recently, but the paperwork was ridiculous, so we didn't pursue the claim.
In 2015, I tried all these companies before I found Insureandgo.
I have recently tried the following with no luck.
The recent issue I have had with Insureandgo is that I want to get insurance for a cruise which doesn't leave Australian waters. The good news is that my policy cost is the same whether I have pre-existing conditions or not. This is because all health costs are covered by Medicare and private health insurance, if you have any. Unfortunately, I wouldn't be covered if I had to cancel the cruise due to a pre-existing condition. So it's not really the policy I need.
I continue to trawl the internet looking for options.