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Oh buoy! When you're out at sea there are plenty of things that can go wrong. From food poisoning, a missed port or even needing helicopter evacuation. See what’s included in 1Cover’s cruise insurance.
Medical treatment on a cruise can be very expensive. 1Cover policies have unlimited medical cover with emergency evacuation.
Medical treatment on a cruise can be very expensive. 1Cover policies have unlimited medical cover with emergency evacuation.
Taking valuables on your cruise? We cover up to $15,000 worth of luggage and personal effects under our policies.
If you miss your cruise due to bad weather, we'll cover additional accommodation and travel expenses to get you to the nearest port.
Should a family member have an accident or become seriously ill, we’ll cover your unexpected travel expenses if you can no longer travel.
Formal attire is required on some cruises for certain events. We provide cover if your expensive clothing gets damaged, lost or stolen.
If you are unfortunately stuck in your cabin due to illness, we provide a daily amount for loss of enjoyment. T&C’s apply.
If you miss your cruise departure, you may be covered for the costs to get on at the next port.
It is important to read the policy wording to understand the terms of the policy as limits and exclusions apply.
*Please Note: There is no trip cancellation or cabin confinement cover arising due to COVID-19.
The Cruise Pack gives you the following benefits:
- Emergency Medical and Hospital cover
- Medical Evacuation-ship to shore
- Pre-Paid Shore Excursions Cancellation
- Missed Cruise Departure
- Cabin Confinement/Loss of Enjoyment
- Missed Port Cover
- Formal Attire Cover
- Formal Attire Delay Allowance
Our policies include coverage for medical costs onboard the cruise, but no cover for pre-trip cancellation or additional expenses arising due to COVID-19.
Please refer to our 'Definitions' section within our PDS to understand our definition of a cruise.
Yes, you are not covered out at sea if you do not purchase the Cruise Pack. You must add it to both Domestic & International cruises.
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.
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.
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.
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 publicly funded healthcare or private health insurance can be used for any medical expenses that you incur.
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.
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. 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).
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 Policy Wording.
If you're on a domestic cruise within Kiwi waters you are no longer covered for hospital or medical expenses by publicly funded healthcare or your private health care provider. Add the Cruise Pack to your quote to ensure you're covered for emergency medical expenses onboard the ship as well as evacuation to shore should the need arise.
Explore our table of benefits below to see all the cover provided by our cruise travel insurance policies.
See the Policy Wording 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 |
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
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.
First time I've had to make a claim. Speed of process was quite unbelievable.
When you purchase your cruise travel insurance, you’ll need to select the correct region so that you’re covered properly on your holiday.
Choose this region if you’re sailing Alaska, the Antarctic, Arctic and/or Greenland.
This option covers Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, & Indonesia (including Bali).
This option excludes the Mediterranean, but includes the UK.
If you select this option, you’ll be covered for all of Europe, plus the Mediterranean, Middle East & Africa.
If you’re taking a domestic cruise within New Zealand.
If you’re taking a cruise around Australia (includes Norfolk Island).
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).
North America,
Central America,
South America, or if you’re cruising more than one region on this list.
You can choose the excess that best suits you. Opting for a lower excess means you’ll pay less if you need to claim.
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.
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.
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.
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.
Discover our specially tailored guide to over-60s cruise holidays. It’s got everything you need to know for planning a senior cruising holiday.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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