Cruise Travel Insurance

For cruises in New Zealand waters select New Zealand Cruise. For Cruises outside of New Zealand waters select the corresponding region.

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Cruise Pack - Travel Insurance For Cruising

Whether you’re heading on holidays on the open ocean or taking a trip of a lifetime along the rivers of Europe, our Cruise Pack add-on provides you with the travel insurance cover you need for total protection and peace of mind on your next cruise holiday. 

Why get cruise cover? Did you know that as soon as you depart home soil you're technically overseas, meaning the public health system doesn’t have to assist you. That means, the moment you step foot onto a cruise ship, you’re not protected by the public health system or your own private health care. 

Features & Benefits

  • Sit back and relax knowing you're protected from ship to shore with unlimited emergency medical cover.

  • Planning to take valuables on your trip? We cover up to $15,000 worth of luggage and personal effects.

  • If you get sick or injured on your cruise and are forced to miss out on pre-paid shore activities, we'll cover any cancellations fees or lost deposits. We'll also provide compensation if your bed-ridden for more than 48 hours. 

  • If you become sick or are injured on your cruise and are confined to bed for more than two days, we'll compensate you for each day you can't leave thereafter. 

  • Don’t worry if you miss your cruise due to natural disaster or bad weather causes you to miss your cruise departure. We cover additional accommodation and travelling expenses to get you to the nearest port in your itinerary. Terms and limits apply. See PDS for full details. 

  • 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 many cruises. That's why, if your favourite tux, dress or other formal wear item is damaged, lost or stolen, we'll cover it. We'll also reimburse you if your formal wear is delayed or misdirected for more than 12 hours from the time you boarded the cruise and you had to purchase or hire an alternative.
     

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.

 

 

Cruise Regions 
 

Region Countries Covered
Arctic/ Antarctic or Alaska Cruise Antartic, Artic and Greenland
Worldwide Cruise North America, South America
Mediterranean, Middle East & Africa Cruise Middle East, Africa
Europe Cruise (including Europe River) Anywhere in Europe
Asia Cruise Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, Indonesia including Bali
South Pacific Cruise  All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (excludes Australia and New Zealand)
Australia Cruise Australia (includes Norfolk Island)
New Zealand Cruise New Zealand 

 

 

FAQs About Cruise Travel Insurance

  • Will Domestic Travel Insurance Cover Me On A Cruise In New Zealand's Waters? 
  • No, once your ship leaves port, even if you're cruising New Zealand's waters, you’re no longer covered for hospital or medical expenses by the public health sysyem or your private health care provider. If your cruise is in New Zealand waters, you would need to select a New Zealand Cruise policy, which includes the benefits of an overseas policy (including medical) as well as the benefits of the Cruise Pack.  

  • 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. 

  • My Cruise Is Going To Multiple Destinations. Which Destination Do I Choose? 
  • 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 purchase a New Zealand Cruise policy to ensure cover for emergency medical assistance and emergency medical and hospital expenses. 

  • What Happens If I Do Not Add The Cruise Pack To My Travel Insurance Policy?
  • We strongly recommend that you do add the Cruise Pack to your travel insurance policy if you intend on travelling on an ocean or river cruise. If you do not add the Cruise Pack to your policy, you will not be covered for medical, hospital or emergency assistance or expenses; cancellation fees or lost deposits; or additional accommodation or travel expenses; while you are travelling on a cruise vessel. Travellers on domestic cruises in New Zealand waters should purchase a New Zealand Cruise policy to ensure cover for emergency medical assistance and emergency medical and hospital expenses. 

  • Can I Add The Cruise  Pack Onto My Travel Insurance Policy Once I'm On My Cruise?
  • No. The cruise pack must be purchased at least 24 hours before travelling on a cruise vessel. You cannot purchase this pack individually. 

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of the trip dates stated on your policy. There are no refunds should you come home earlier than planned.

 

A complete list of FAQS.

 

Table of Benefits - Cruise Travel Insurance

Explore our table of benefits below to see all the cover provided by our Comprehensive and Frequent Traveller policies with Cruise Pack add-on.

Policy Benefit 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 Expenses

$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 Add On    
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

 

Cruising Considerations

It pays to do your research when planning a cruise. What might be an amazing time for some could quickly turn into a holiday full of sea-sickness, overspending and rowdy neighbours. We’ve put together some things to consider to ensure your next cruise experience is as enjoyable as possible.

  • Different cruises will be more suited to what different people want out of their experience.
  • There are cruises that are more advisable for seniors whilst others have better facilities for families with kids to keep them entertained. Some are more recommended for singles with romance on the mind, some for fitness fanatics, some are more gay-friendly and others geared towards foodies. Some have better on-board entertainment whilst others spend more time in ports of destinations. Sites like www.cruises.com.au compare them for you so you can find one that appeals to what you are looking for.

    • Planning your budget for your cruise is very important.
    • If you have a tight budget and choose a cruise accordingly than you shouldn’t expect the same facilities and service that a more expensive cruise will provide. This doesn’t mean it will be less fun, just have realistic expectations. There are also many hidden costs to cruising even if you choose an all-inclusive package or one that includes your meals. You’ll need to budget for tipping, on-board activities, souvenir shopping, laundry, spa and salon treatments, shore excursions, alternative dining and alcohol if it’s not included in your package.  If you are to require medical assistance it can be very expensive on a cruise ship. We recommend you take out cruise travel insurance to protect you in this circumstance.

    • Research the different destinations your cruise is going to.
    • The destinations are very important of course, but you should also be aware that not all ports of call are guaranteed so keep that in mind in your decision making process. It may not be worth going on a particularly cruise if there is only one stop you are excited about it, so best to choose one that has a few places you’d like to visit just in case. You should also check the time in each port as well.

    • Choose your cabin wisely!
    • Another important decision to make on your cruise is what sort of cabin you will choose. There is generally a choice between an inside cabin that has no window and is in an inside corridor, an outside cabin which has a window or porthole with a view to the outside, a balcony cabin, that includes a veranda that allows you to step outside without going up to a public deck or a suite which is a larger cabin, often with separate living and sleeping areas, and better amities and perks. It may come down to budget but it also depends on your personality. If you plan on spending most of your stay socialising above deck than you may not need your own outdoor area. If you really need your own space a balcony might be quintessential to your trip.

    • Avoid seasickness.
    • Seasickness can definitely damper your cruise fun. You can try and prevent becoming seasick by choosing port intensive cruises, spending as much time on deck out in the fresh air and booking a cabin in the middle of the ship- the natural balance point. You can also take natural remedies like ginger or peppermint tea or any chemist or pharmacy will have many different motion sickness solutions.

    • Always read the fine print when booking.
    • Lastly read the fine print. Some cruises may have strict refund policies or rules and regulations that aren’t suited for what you are looking for.  There may be hidden costs or restrictions on certain activities you were excited about doing. Once you’re happy with everything book your cruise. Start paying if off and when it’s time to go, relax and enjoy all your cruise has to offer.

 

Further Reading

Cruise Traveller Advice

There are a few details and oddities about travelling on the high seas that you should know before you depart. Check out our cruise traveller advice and tips.

 

Cruise Travel Insurance

Worldwide Trips

Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.

 

Worldwide Trips

Long Term Travel Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Long Term Travel Insurance

What Is Covered?

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.

 

What Is Covered?

Going On A Cruise In Greece?

If you're going on a cruise around the Greek Islands make sure you understand the risks so you can enjoy your holiday.

 

Greece Travel Insurance

Going On A Cruise To Fiji?

You'll find more information on things not to miss in Fiji, and also things to watch out for, all here to help you plan your trip.

 

Fiji Travel Insurance

 

 

 

Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.

 

 

One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.

 

Local Call Centre

Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $8000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.