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Cruise Travel Insurance - Get a quote

 

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Before you buy, please read our travel alerts.

"great experience (apart from the torn ACL!). Huge thanks to our emergency case manger. Outstanding!!"
— Matthew Noblet June 2024

The one thing you need when one thing goes wrong

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.

Unlimited Medical Medical costs

Medical treatment on a cruise can be very expensive. 1Cover policies have unlimited medical cover with emergency evacuation. 

Unlimited Cancellation Trip cancellation

If you get sick or injured on your cruise or are forced to cancel pre-paid travel plans, our policies cover cancellation fees and lost deposits.

Lost belongings

Taking valuables on your cruise? We cover up to $15,000 worth of luggage and personal effects under our policies.

Weather Delays weather delays

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

family emergency  Family emergencies

  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 wear  formal wear

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

cabin confinement

 Cabin confinement

  If you are unfortunately stuck in your cabin due to illness, we provide a daily amount for loss of enjoyment. T&C’s apply.

missed departure

 missed departure

  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.

 

Understand our Covid Cover

 

Add Cruise to your cover
 

  • To be covered while cruising with 1Cover you must purchase our Cruise Pack during the online quote process.
  •  
  • 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. 

 

cruise insurance FAQs

  • What is considered cruising?
  • Please refer to our 'Definitions' section within our PDS to understand our definition of a cruise.

  • Do I have to purchase the cruise pack to be covered?
  • 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. 

  • 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. 

  • Will My Policy Cover Me for Medical Evacuation Off the Ship?
  • 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. 

  • 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.

  • How do I claim for missed port cover?
  • 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).

  • 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 Policy Wording.

READ ALL FAQS

 

Domestic Cruising
 

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. 

 

 

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 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

 

 

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We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Recommend to friends & family"

    “1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • "Outstanding service"

    “We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”

    Matthew Noblet, June 24

  • "Process was so easy"

    In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!

    Kenneth & Angela Murray, May 24

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

 If you’re taking a domestic cruise within New Zealand. 

Australia

Australia 

If you’re taking a cruise around 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. 

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. 

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.

 

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Want to know More about...

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.

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 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? 

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