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Travel insurance for your cruise

Whether you’re on a cruise to the Pacific Islands, a European river cruise, or sailing through the Caribbean, travel insurance can help protect your trip. At Cover-More, our goal is to provide you with Cruise Insurance to keep you safe. All Cover-More NZ policies automatically include travel insurance cover for your cruise. Our policies specifically exclude claims arising from or exacerbated by Existing Medical Conditions and related new infections. If you have any Existing Medical Condition you can apply for additional cover when you get a quote. Ensure you disclose all of your existing conditions to ensure you have the right cover. If you have specific questions visit our Cruise travel insurance FAQs.

Why do I need Cruise Travel Insurance?

Cruises are a great way to relax, bask in the sun and enjoy the sea breeze. So, it may come as a shock if your cruise experience isn’t always smooth sailing. From delayed luggage to falling seasick, it can be difficult to predict what will happen on board. Let alone the money you might not be able to get back if you have to cancel your cruise before you leave home. To enjoy the trip you deserve on your cruise, take out a travel insurance policy with Cover-More for peace of mind.

Medical costs on board

Our travel insurance policies provide medical cover for expenses incurred onboard the ship and if you are offloaded from the ship. Without this cover, you could be out of pocket hundreds or thousands of dollars for a medical incident that happens whilst on a cruise. Claims subject to approval.

One Cover-More customer visited their onboard cruise doctor after a sniffle which developed into influenza. Although quick, the visit resulted in a $700 medical fee. Luckily, they had a Cover-More policy with Cruise Cover so we were able to settle their claim.

Emergency Evacuations

Cruise Cover is also vital to protect against more serious medical claims. If you’re in the middle of the ocean, it can be expensive to be transported to the nearest hospital.

In 2016, one of our customers fractured their leg on a cruise ship in the South Pacific. The air ambulance cost to bring them back home for surgery totalled $86,000. 

To give yourself peace of mind against potential medical costs, get a quote for travel insurance today.

You or your luggage misses the boat

If your ship takes off without your bags, our delayed luggage cover may be able to help. This cover can reimburse you for any reasonable expenses incurred to replace delayed items. Additional cover may be required if you want to be insured for more expensive items which can be added when purchasing.

If you miss the boat due to a delayed connection, our Cruise Cover travel policy may be able to set you on your way again. For example, a group of Cover-More customers missed their cruise due to a delayed flight. To add to their worries, their luggage still hadn’t arrived by the time they landed in Auckland. By the time they reached the cruise terminal (without their luggage) it was too late to board their cruise. Missing the first segment of their trip, they opted to fly to Vanuatu, where they were able to meet their cruise. Cover-More settled their claim for extra travel costs of $1,560.

For more information regarding our delayed luggage cover and benefit limits, read the Policy Wording.

Recover non-refundable expenses

If sudden illness, injury or an unexpected weather event prevents you from experiencing your cruise, travel insurance can help. This includes recovering non-refundable, unused, prepaid expenses such as deposits or on-shore bookings.

One of our Cover-More customers was about to embark on a cruise to Sydney for their 50th birthday. Sadly, a few months before their trip, they were diagnosed with leukaemia. Advised against long-distance travel while undergoing chemotherapy, they cancelled their cruise immediately. As they purchased adequate cancellation cover and we approved the existing medical conditions they declared, Cover-More reimbursed their $1,500 loss of deposit.

Cruise ship in greece