Cruise holiday travel insurance

Cruise holiday travel insurance




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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.

Cruise ship

Travel insurance cover for cruise holidays

Getting ready to set sail on your international cruise? 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 licensed company or is a tour operator
  • The cruise is travelling through international waters

This policy doesn’t offer cover if you’re travelling on a domestic-only cruise.

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

What destinations am I covered for on a cruise?

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.

Cruise deck

What do I do if I fall ill while my cruise ship is still 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 a 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.

If you have any questions about our TravelCare policy, we’d love to help. Give us a call on 0800 800 571. Our team are available Monday-Friday, 8.30am-7.00pm.


What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance policy document.


Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

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