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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.
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* |
$1,000 |
$1,000 |
|
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.
Protect your high-value items not automatically covered by your policy. Note: items cannot be older than 12 months.
Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.
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.
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.
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
.png )
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.
If you’re planning on heading off for anything more than a month, there are a few things you need to think about.
They may seem like a good idea at the time, but these travel items are more pointless than practical.
The world is a field of cultural differences, and a gesture that’s acceptable in NZ may be highly offensive in another country.
We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.
We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you.
You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.
Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy.
Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.
Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000.
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
