Cruise Travel Insurance - Get a quote

• what is cruise cover?

• Cruise cover is an optional extra you add to your travel insurance policy to ensure you’re protected while travelling on a cruise ship. Standard travel insurance may not include cruise benefits, so adding our Cruise Pack gives you cover for onboard medical treatment, evacuation, missed ports, cabin confinement and more.

• what important information do i need to know? 

• Cruise travel insurance isn’t automatically included in a standard policy. If you’re going on a cruise for two nights or more, you must select the Cruise Pack, pay the additional premium, and make sure it’s shown on your certificate of insurance. Without this, you won’t be covered for any costs related to your cruise.
  The Cruise Pack is only available when added to one of the following plans: Comprehensive, Overseas Frequent Traveller, Domestic, Domestic Frequent Traveller, and Already Overseas. It must be applied for at least 24 hours before your cruise begins and cannot be purchased as a stand-alone product.

• Do I have to purchase the cruise pack to be covered?

• Yes, if you are going on a cruise for 2 nights or more, you must select the Cruise Pack and pay the additional premium. You must add it to both Domestic & International cruises.

• what does travel insurance for cruises cover?

• Cruise travel insurance with 1Cover covers key risks unique to being at sea. This includes onboard medical expenses, evacuation to shore, trip cancellation, missed ports, missed departures, cabin confinement, lost belongings and cover for formal attire. It also extends to certain prepaid excursions if you have to cancel due to illness or other insured events. Limits and exclusions apply, please check the PDS for details.

• Will My Policy Cover Me for Medical Evacuation Off the Ship?

• Yes, if you’re seriously ill or injured in a remote location (including onboard a ship) and need urgent medical assistance, you should contact our Emergency Assistance Team. Our medical experts will liaise with the medical team onboard the ship and arrange an evacuation for you to the nearest or most suitable hospital for your treatment. 
   
  If you're within New Zealand, once you’re transported to a location where an ambulance can pick you up, your public healthcare entitlements or private health insurance can be used for any medical expenses that you incur. Policy terms, conditions and limitations such as pre-existing medical conditions apply. 

• do i need travel insurance for a domestic cruise in New Zealand waters?

• Yes. Many people assume public health will apply, but once you’re out at sea, public healthcare won’t cover treatment onboard a cruise ship. That’s why you need domestic cruise insurance in New Zealand to make sure you’re covered for onboard medical costs and potential evacuation back to land.

• what can i be covered for on my New Zealand cruise?

• If you’re cruising in New Zealand waters, your cover can include unlimited onboard medical expenses, evacuation to an New Zealand hospital, missed ports, missed departure, trip cancellation, lost luggage and even cabin confinement if you’re ordered to stay in your cabin due to illness.

• Will My Policy Cover Me Medically on a Domestic Cruise?

• Yes, in the event that a medical emergency onboard your cruise occurred, you would be covered for your medical treatment provided that you have added the Cruise Pack on to your policy.  If you are cruising along the New Zealand coastline or within New Zealand waters, you would need to select the Domestic Policy with the Cruise Pack add-on. This includes medical benefits as well as all the other benefits of the Cruise Pack. You should choose the New Zealand Cruise or Domestic Cruise region for your destination. Whilst in port or travelling domestically on land, there’s no cover for your medical costs (including any out-of-pocket expenses) in New Zealand under your policy.  Once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by public health or your private health care provider. Your policy will cover you for emergency medical expenses incurred on-board the ship whilst cruising. Basically, where you can use your public healthcare or private health insurance to cover your medical expenses or hospitalisation, there’s no medical cover.    

• Will Public Health Cover Me On A Cruise In New Zealand Waters? 

• No, once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by public health or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. 
  
  If your cruise is in New Zealand waters, you would need to select a Comprehensive policy with the Cruise Pack add-on, choosing the New Zealand Cruise region. This includes medical benefits as well as all the other benefits of the Cruise Pack. 

• Can I Buy A Medical Only Policy on a Cruise?

• Our Medical Only policy does not offer the Cruise Pack add-on. To be covered while you are on your cruise, you’ll need to add the Cruise Pack to your Domestic, ​​​​​Comprehensive, Frequent Traveller and Already Overseas policy. The Medical Only policy won't cover you on a cruise.  

• How Much Is Healthcare On-Board A Cruise? 

• While on-board a cruise, medical costs are quite expensive. Hospital bills can be as much as $5,000 per day. Simple treatments, consultations and medications on board a ship is charged at private rates. This can mean that a doctor’s appointment can be as much as $250. 

• What Destination Do I Choose when buying my policy?

• Please refer to the Cruise Region list on this page. If you’re going on a cruise, you must select the region/s based on the countries the ship will visit. We offer international cruise insurance and cruise insurance in New Zealand.
   
  Travellers on domestic cruises in New Zealand waters should select the New Zealand Cruise region to ensure cover for such things as emergency medical assistance and emergency medical and hospital expenses, cancellation fees or lost deposits, and more. 

• What Happens If I Come Home Early?

• Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the PDS.

• How do I claim for missed port cover?

• If your cruise has been affected and you wish to make a claim for missed ports, the best way to do this is using our online claim form: Making a Claim. When submitting your claim, please select the benefit type "Other". You will need to provide a copy of your itinerary and a letter from the cruise ship specifying the ports missed and the reason for the missed ports. Please Note: a) our missed ports benefit amount is $250 per missed port, per adult listed on the policy. b) The missed port benefit is capped at a total benefit limit of $750 per Adult. c) A $200 excess applies per policy per event (not per person or per port). 

• Does Cruise travel insurance come with covid cover? 

• Our policies cover for medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment whilst on your cruise internationally and domestically. However, a cruise pack must be purchased in order to be covered. We also cover for cancellation and additional travel costs incurred because of Coronavirus. 

• Do you cover for river cruises? 

• You are required to purchase additional cruise travel insurance for river cruises. Whilst river cruises will have teams onboard to deal with certain medical situations, you will need travel insurance to cover medical expenses onboard as well as medical evacuation should you need it.   

• My cruise stops at multiple destinations. Do I need to list them all?

• You should include all destination countries that you'll be visiting, however, you can select a region if you are making multiple stops within the same area. For example, you can choose ‘South Pacific’ or ‘Europe’ or ‘USA’ depending if you are going on a Pacific, Mediterranean or Caribbean cruise. If unsure, list all destinations separately. 

• What is considered a cruise ship?  

• A cruise ship is defined as a ‘Cruise’ means a commercially operated boat or ship that is licensed to carry paying passengers for voyages of 2 nights or more in lakes, oceans, rivers, seas, or other bodies of water for the purpose of leisure. It does not include cargo ship or freighter. Please see the PDS  for full terms, conditions and definitions. 

• Do I need cruise cover for a harbour cruise or boat transportation? 

• No, you do not typically need to add the cruise pack if you are going on a tourist day boat trip for example or if you are getting on a boat for transport to get you from A to B. We define cruising means a commercially operated boat or ship that is licensed to carry paying passengers for voyages of 2 nights or more in lakes, oceans, rivers, seas, or other bodies of water for the purpose of leisure. It does not include cargo ship or freighter. Please see the PDS for full terms, conditions and definitions. 

• Can seniors buy cruise travel insurance? 

• Yes. Seniors can purchase cruise travel insurance as long as they meet the age limits for their chosen policy. To be covered, you must also add the Cruise Pack to your policy before departure. Seniors are often more at risk of illness or needing medical treatment at sea, where costs can be extremely high, so having cruise cover in place is especially important.

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