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Whether you're cruising the Pacific, gliding through the rivers of Europe or sailing to Antarctica, 1Cover's Cruise Travel Insurance will provide you the cover you need and the peace of mind you want on your cruise.
Book your Cruise Cover today and enjoy all the benefits of our award-winning comprehensive policies plus the extra benefits included in our Cruise Pack add-on.All the benefits listed below are subject to the limits and exclusions and the terms and conditions outlined in the PDS.
Medical costs on a cruise can be expensive. Relax knowing you're covered from ship to shore with unlimited medical cover and emergency assistance.
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.
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.
If you miss your cruise due to a natural disaster or bad weather, we'll cover additional accommodation and travel expenses to get you the nearest port.
We know how important your family is. That is why we have up to $50,000 worth of Family Emergency Cover.
Formal wear is a big deal on cruises. That's why we provide cover for damage, theft and loss of formal wear.
No one wants to think about getting sick on holidays. But if you do and are stuck in your cabin, we'll cover you.
If you miss your cruise departure, we'll cover you so you can get on at the next port and enjoy your holiday.
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 |
Choose the excess that best suits you. Optiong 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 for added peace of mind. Note: the times cannot be older than 12 months and certain exclusions apply.
You might choose to hire a car when the ship has docked and you want to sight-see. We offer automatic rental excess cover of $5,000, but you can increase this to $8,000.
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.
The table below will help you to select the correct cruise region when purchasing your cruise policy. Selecting the correct region is important as it will ensure you are properly covered during your cruise holiday.
Antarctic,
Arctic and Greenland
Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, Indonesia including Bali
Anywhere
in Europe
Africa,
the Middle East
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New Zealand
Australia
(includes Norfolk Island)
All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (excludes Australia and New Zealand)
North America,
Central America,
South America
Our Cruise Pack is not available with the Medical Only policy. For cover while on your cruise, you will need to select a Comprehensive or Frequent Traveller policy.
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.
Please refer to the Cruise Region list above. 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.
Your policy covers the full duration of the trip dates stated on your Certificate Of Insurance. There are no refunds should you come home earlier than planned.
Going Snowboarding, Sailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.
A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.
From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not.
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.
Policy Manager 
Fiji Insurance
Car Hire Excess Guide
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