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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.
Cruise travel insurance means that you get all the benefits of our award winning Comprehensive travel insurance policy, plus you get cruise specific benefits:
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 Policy Wording.
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 Policy Wording, and that terms, conditions and limitations apply. Please read the Policy Wording before purchasing.
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
If you miss your cruise due to bad weather, we'll cover additional accommodation and travel expenses to get you the nearest port.
Cruising is popular with families, and that’s why we have up to $50,000 worth of Family Emergency Cover.
Formal attire is required on some cruises fo certain events. We provide cover if your expensive clothing gets damaged, lost or stolen.
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.
This page was last updated on: 25 February 2020
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.
Select this option if you’re only sailing within New Zealand waters.
If you’re taking a domestic cruise within 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.
Unless otherwise specified in the Policy Wording: 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.
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.
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.
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.
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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