Cruise travel insurance

Whether you’re looking for an island getaway or an Arctic adventure, there’s nothing better than exploring exciting destinations whilst aboard the comfort and luxury of a cruise ship.

But like any type of travel, it may not always be smooth sailing. From sea sickness to missed departures, cruise holidays can come with their own unique risks. Our award-winning travel insurance allows you to embark on your adventure with peace of mind, knowing we’ll be here to help if the unexpected happens.


Travel insurance cover for cruise holidays

 Our TravelCare policy will automatically cover you if:

  • you’re travelling as a fare-paying passenger aboard a cruise ship
  • the cruise ship is run by a company that’s licensed to operate a passenger-carrying service, or is a tour operator
  • on your journey, the cruise is travelling to an overseas destination (including international waters).

This policy doesn’t offer cover if you’re travelling on a cruise that stays only in New Zealand waters.

However, you'll still be covered if your cruise travels within New Zealand waters when you leave or return from your trip.


Travel on overseas charter vessels 

Our TravelCare policy includes cover for travel while you’re a passenger on a charter vessel overseas if both:

  • the charter vessel is crewed
  • you only travel within inland or coastal waters (we define ‘coastal waters’ as waters that are within 12 nautical miles – or 22.2km – from the coast of your overseas destination).


What destinations am I covered for?

Cruises often include a number of destinations on their itinerary, so it’s important that you select all of these destinations when you’re getting a quote. The destinations on your cruise ship include:

  • where you get on
  • each place you visit
  • where you get off.

Remember, if you’re visiting any other destinations outside of your cruise trip, you’ll also need to add these when getting a quote.

When you’re applying for a policy online, New Zealand will not appear as an option to add to the list of countries, but don’t worry! You’ll automatically be covered if you’re leaving or returning to a New Zealand port.


Medical care in New Zealand

If you fall ill while the cruise ship is in New Zealand waters, you’ll need to get treatment through the public health system, or other third parties like your health insurer. You can then make a claim under your TravelCare policy for any costs that aren’t covered by these providers.

If you fall ill when you’re in New Zealand but on dry land (for example, if you’re on a day trip), you can only make a claim through the public health system or a third party insurer.


Need some help?

If you would like to get in touch, we’re here to help. Please feel free to email us at any time, or speak to one of our friendly insurance experts on 0800 800 571. Our office hours are Monday – Friday, 8.30am – 7.00pm.


What you need to know

This page may include some information about our products but, as with all insurance policies, terms and conditions may apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the TravelCare Policy Document and COVID-19 endorsement.