Cruise Travel Insurance Features & Benefits

What are the benefits of getting cruise travel insurance? The odds of falling ill whilst aboard a cruise ship are heightened. Don't forget, as soon as you're off home soil you're technically overseas, so the public health system isn't going to help you out. If you're looking at a domestic cruise, remember you still need overseas travel insurance, not domestic.

  • Relax, we’ll look after you from ship to shore. We have unlimited emergency medical cover.

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

  • Don’t worry if an unexpected natural disaster affects your trip. We cover unlimited cancellation and lost deposits.

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

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

More About Cruise Travel Insurance

  • 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 Medicare or your private health care provider. That’s why we recommend you getting an overseas travel insurance policy. For example if your cruise is in New Zealand's waters then choose a New Zealand Cruise policy. 

  • 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. 

  • If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
    Travellers on domestic cruises in New Zealand waters may also purchase Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses. 

  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

A complete list of FAQS.

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies.

Key Benefits Comprehensive  Frequent Traveller

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses*

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)*

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 





Luggage & Personal Effects*

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.

$15,000 $15,000

Cancellation Fees & Lost Deposits*

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.

Unlimited Unlimited

Rental Vehicle Excess*

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.

$5,000 $5,000

Medical Benefits

Medical Benefits Comprehensive Frequent Traveller

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.

$50,000 $50,000

Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.

$3,000 $3,000

Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.

$5,000 $5,000

Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.

$25,000 $25,000

Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.

$25,000 $25,000

Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to New Zealand. 

$10,400 $10,400

Luggage Benefits

Luggage Benefits Comprehensive Frequent Traveller

Credit Card Fraud & Replacement*

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.

$5,000 $5,000

Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.

$250 $250

Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.

$250 $250

Cancellation Benefits

Cancellation Benefits Comprehensive Frequent Traveller

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 

$1,000 $1,000

Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 

$5,000 $5,000

Ancillary Benefits

Ancillary Benefits Comprehensive Frequent Traveller

Personal Liability*

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $5 million

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.

$500 $500

Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.

$500 $500

* $100 excess payable

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.

  • 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 compare them for you so you can find one that appeals to what you are looking for.

    • 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.

    • 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.

    • 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.

    • 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.

    • 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.

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.

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Worldwide Trips

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

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Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 34 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 $5000) 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 single and family 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. 

Category: Travel Insurance

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