Cruise Travel Insurance

If you're going cruising and want to be covered while you're at sea. 

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 Cruise Travel Insurance Benefits

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. And if you want some insider advice on cruising solo, with kids, with teens, or with your partner, look no further than our in-depth Guide to Cruising

Unlimited Medical

Unlimited Medical

Medical costs on a cruise can be expensive. Relax knowing you're covered from ship to shore with unlimited medical cover and emergency assistance. 

Unlimited Cancellation

Unlimited Cancellation

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.

Luggage & Personal Items

Luggage & Personal Items

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.

Weather Delays

Weather Delays

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.

Family Emergency

Family Emergency

We know how important your family is. That is why we have up to $50,000 worth of Family Emergency Cover.

Formal Wear

Formal Wear

Formal wear is a big deal on cruises. That's why we provide cover for damage, theft and loss of formal wear.

Cabin Confinement

Cabin Confinement

No one wants to think about getting sick on holidays. But if you do and are stuck in your cabin, we'll cover you.

Missed Departure

Missed Departure

If you miss your cruise departure, we'll cover you so you can get on at the next port and enjoy your holiday.

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 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

 

Get a quote

 

Optional Coverage

Car Hire Excess

Choose your Excess

Choose the excess that best suits you. Optiong 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 for added peace of mind. Note: the times cannot be older than 12 months and certain exclusions apply.

Rental Car Cover

Additional Rental Vehicle Excess

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.

** A 5% discount is automatically applied when you purchase a policy online through the website at www.1cover.co.nz from the 19th November 2019 for any of the following 1Cover travel insurance policy plans Comprehensive, Medical, Essentials, Domestic. Discount applies to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw this offer without notice. Before you buy, please the Product Disclosure Statement for full terms and conditions to ensure that this policy meets your particular needs.

This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

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.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in New Zealand.
# Limits are per policy regardless of persons the claim relates to.

 

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Choosing your Cruise Region

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.

Arctic/ Antarctic/ Alaska

Antarctic,
Arctic and Greenland

Asia

Vietnam, Thailand, Cambodia, China, Japan, Myanmar, Nepal, India, Bangladesh, Central Asia, Indonesia including Bali

Europe (Including Europe River)

Anywhere
in Europe

Mediterranean, Middle East, Africa

Africa,
the Middle East

NZ

New Zealand

New Zealand

Australia 

Australia
(includes Norfolk Island) 

South Pacific 

All South Pacific Nations Including Fiji, New Caledonia, Samoa, Cook Islands, Vanuatu, PNG, French Polynesia, Solomon Islands (excludes Australia and New Zealand)

Worldwide 

North America,
Central America,
South America

FAQs About Cruise Travel Insurance

  • Will Domestic Travel Insurance 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 Medicare or your private health care provider. 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 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.  

  • 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 What 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 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.

  • What Happens If I Come Home Early?
  • 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.

 

READ ALL FAQS

 

 

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Pre-Existing medical Conditions

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.

What Travel Insurance Covers

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. 

Still Need Some Help? Call Us!

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.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims

0800 468 220

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