Coronavirus Outbreak Latest Information
0800 000 333
 
 

Cruise Travel Insurance

If you’re going cruising, then you'll need Cruise Travel Insurance to be covered for anything that happens while you're at sea. 

Travel Alerts: 

Coronavirus

"Amazing Overseas Support"
— Dawn Oct 07, 2019

What is Cruise Travel Insurance?

There are specific risks when you're going cruising: sickness on board, cabin confinement, missed ports, damaged formal wear and more. Additionally, medical care is a little more complex when you’re not on dry land. That's why it's important to protect yourself with travel insurance that’s designed for cruising.

This page will tell you all about cruise travel insurance, but if you're still planning your cruise holiday, remember to check out our in-depth Guide to Cruising. You'll find out which cruise liners are best for you, as well as insider tips for those who are cruising solo, with kids, with teens, or with their partner.
 

What does Cruise Travel Insurance cover?

Cruise travel insurance means that you get all the benefits of our award winning Comprehensive travel insurance policy, plus you get cruise specific benefits:

  • Unlimited medical cover and emergency assistance (on-board and while docked) 
  • Weather delays or natural disasters.
  • Damage, theft or loss of formal wear.
  • Sickness leading to cabin confinement. 
  • Missed cruise departure 

To see everything you'll be covered for with your comprehensive travel insurance policy, see our coverage page.

All the benefits listed above are subject to the limits and exclusions and the terms and conditions outlined in the PDS.

Why do you need cruise travel insurance?

Whether you’re sailing the Pacific, river-cruising in Europe or adventuring the seas of Antarctica, these are just some of the things that can go wrong on a cruise. Please note, all benefits listed below are subject to the policy wording in the PDS, and that terms, conditions and limitations apply. Please read the PDS before purchasing. 

Unlimited Medical

Medical Costs

Medical costs on a cruise can be expensive. Relax knowing you're covered from ship to shore with unlimited medical cover and emergency assistance. 

Unlimited Cancellation

You might need to cancel

If you get sick or injured on your cruise or are forced to cancel pre-paid travel plans, we'll cover any cancellation fees or lost deposits.

you lose something valuable

Planning to take valuables on your trip? We cover up to $15,000 worth of luggage and personal effects so you can travel with all your favourite things.

Weather Delays

Weather Delays

If you miss your cruise due to bad weather, we'll cover additional accommodation and travel expenses to get you the nearest port.

Family Emergency

Family Emergencies

Cruising is popular with families, and that’s why we have up to $50,000 worth of Family Emergency Cover.

Formal Wear

Lost/Damaged Formal Wear

Formal attire is required on some cruises fo certain events. We provide cover if your expensive clothing gets damaged, lost or stolen.

Cabin Confinement

Cabin Confinement

No one wants to think about getting sick on holidays. But if you do and are stuck in your cabin, we'll cover you.

Missed Departure

Missed Departure

If you miss your cruise departure, we'll cover you so you can get on at the next port and enjoy your holiday.


 

This page was last updated on: 25 February 2020

Table of Benefits - Cruise Travel Insurance

Explore our table of benefits below to see all the cover provided by our cruise travel insurance policies. 
See the PDS for the full list of benefits or get your instant quote now.

Cruise Travel Insurance Policy Benefit Overseas - Comprehensive/
Frequent Traveller 		Domestic/Frequent Traveller Domestic
medical
   

Overseas Emergency Medical Assistance^

Unlimited

X

Overseas Emergency Medical & Hospital Expenses^*

Unlimited X

Includes Dental Expenses (per adult)^

$1,000

X

Resumption Of Journey^*

$3,000

X

Hospital Cash Allowance^*

$5,000

X

Accidental Death*

$25,000

$25,000

Permanent Disability^*

$25,000

X

Loss of Income^*

$10,400

X
luggage
   

Credit Card Fraud & Replacement^

$5,000

X

Includes Travel Documents & Traveller's Cheques^

Yes

X

Theft Of Cash^#

$250

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

$250

X
cancellation
   

Additional Accommodation & Travel Expense*

$50,000

$50,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$2,000

$2,000

Alternative Transport Expenses^

$5,000

X
ancillary
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

X

Domestic Services^*

$500

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000
cruise pack 
   
Pre Paid Shore Excursions Cancellation^^

$1,000

$1,000
Missed Cruise Departure^^

$2,500

$2,500

Cabin Confinement/Loss of Enjoyment^^*

$1,500

$1,500
Missed Port Cover^^

$750

$750
Formal Attire Cover^^*

$1,500

$1,500
Formal Attire Delay Allowance^^

$250

$250

 

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 

  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

Choose your Cruise Region

When you purchase your cruise travel insurance, you’ll need to select the correct region so that you’re covered properly on your holiday.

Arctic/Antarctic/Alaska

Arctic / Antarctic / Alaska

Choose this region if you’re sailing Alaska, the Antarctic, Arctic and/or Greenland.

Asia

Asia

This option covers Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, & Indonesia (including Bali).

Europe

Europe (Including Europe River)

This option excludes the Mediterranean, but includes the UK.

Mediterranean

Mediterranean, Middle East, Africa

 If you select this option, you’ll be covered for all of Europe, plus the Mediterranean, Middle East & Africa. 

NZ

New Zealand

Select this option if you’re only sailing within New Zealand waters.

Australia

Australia 

If you’re taking a domestic cruise within Australia (includes Norfolk Island).

South Pacific

South Pacific 

All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (you will also be covered for Australia and New Zealand).

Worldwide

Worldwide 

North America,
Central America,
South America, or if you’re cruising more than one region on this list. 

Tailor your Cruise Insurance

Car Hire Excess

Choose your Excess

You can choose the excess that best suits you. Opting for a lower excess means you’ll pay less if you need to claim. 

Read More
High Value Cover

High-Value Items Cover

If you’re taking certain valuable items on board, you might want to purchase extra cover for them. Note: the item must be purchased within 12 months of buying your policy, and exclusions apply. 

Read More
Rental Car Cover

Additional Rental Vehicle Excess

It’s common to hire a car when the ship has docked in a new location. We offer automatic rental excess cover of $5,000, but you can increase this to $8,000.

Read More

** A 5% "Online Discount" is automatically applied when you purchase a policy online through the website at www.1cover.co.nz for Comprehensive, Medical, Essentials, and Domestic policies; or

## A "Campaign Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies purchased from 06/01/2020 and is ongoing until withdrawn by 1Cover. The Campaign Discount is available to customers with a valid Campaign Code who purchase online or over the phone.
Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. This discount cannot be used in conjunction with any other offer. For full competition terms & conditions, visit www.1cover.co.nz/annual-policy-promotion-terms.
Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs. For all 1Cover Competition Terms & Conditions, please visit https://www.1cover.co.nz/competition-terms/.


This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in New Zealand.
# Limits are per policy regardless of persons the claim relates to.

 

Get a quote

 

FAQs

  • Will publicly funded health services 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 publicly funded healthcare 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 Cruise Pack add-on, choosing the New Zealand Cruise region. This includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack.  

  • Can I Buy A Medical Only Policy For A Domestic Cruise?

  • Our Medical Only policy does not offer the Cruise Pack add-on. To be covered while on your cruise, you’ll need to add the Cruise Pack to your 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 are charged at private rates. This can mean that a doctor’s appointment can be as much as $100. 

  • 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.

    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.

READ ALL FAQS

 

Want to know More about...

Cruise Ship
Cruising holiday Advice

Check out our ultimate guide to cruise holidays for families, solo travellers, seniors and couples. If you’re going on a cruise – you need this guide.

Crusing with kids
Cruising With Kids

Find out how to pick the perfect cruise for babies, toddlers and young children. Includes tips and tricks to help keep everyone happy on the high seas.

Cruising Seniors
Cruising For seniors

Discover our specially tailored guide to over-60s cruise holidays. It’s got everything you need to know for planning a senior cruising holiday. 

 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims

0800 468 220

Monday-Friday
9:00 am - 10:00 pm
Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm

 

Get A Travel Insurance Quote Now

1Cover ® is a registered trademark of 1Cover Pty Limited. 1Cover NZ Ltd, Company No. 1588084, FSP472306 (a NZ company) arranges this insurance as an Appointed Representative of Coffre-Fort Pty Ltd, ABN 66 125 358 518, AFS Licence No. 472457, using the 1Cover trademark on license from 1Cover Pty Limited. This website provides general guidance on insurance products available to you and you should consider if this product suits your needs, by reviewing the policy documentation carefully. We do not provide insurance advice as to the suitability of the product for your needs. Before you buy, please read the Product Disclosure Statement also. This insurance is underwritten by certain underwriters at Lloyd’s.