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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.
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
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
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
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
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 is a big deal on cruises. That's why we provide cover for damage, theft and loss of formal wear.
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
If you miss your cruise departure, we'll cover you so you can get on at the next port and enjoy your holiday.
It's The One Thing You Need When One Thing Goes Wrong
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* |
$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 |
Optional Coverage
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 Items Cover
Protect your high-value items not automatically covered by your policy. Note: items cannot be older than 12 months.
Additional Rental Vehicle Excess
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.* 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.
We've Already Helped
1.5 Million Customers
"Don't Leave Country Without it"
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
-
"Good Value, Good Service"
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.
-
By Kevin, Feefo User
-
"Exceptional Speed In Response To A Claim"
First time I've had to make a claim. Speed of process was quite unbelievable.
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
.png )
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.
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Why Choose 1Cover Travel Insurance?
Pre-Existing Medical Cover
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.
Trusted By 1.5 Million People
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.
24/7 Emergency Assistance
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.
Kids Are Covered For No Extra Cost
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.
Local Call
Centre
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.
Rental Vehicle
Excess
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.
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.
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