Cruise travel insurance for New Zealand travellers
Cruise holidays are different from standard overseas trips. Medical care onboard can be expensive, missed departures can create extra costs, and weather or timetable changes can affect your itinerary.
Go Insurance offers cruise cover options designed to help protect you from common cruise-specific risks, so you can travel with greater confidence.
Why cruise cover matters
Cruise travel can involve risks that may not arise on a standard land-based holiday.
Cruise holidays need a different kind of travel insurance
A cruise can combine international travel, onboard medical services, shore excursions, changing itineraries and strict departure times. That means the things that can go wrong are often different from a typical overseas holiday.
The Go Insurance Cruise Extension is designed to help respond to common cruise-specific events, where selected and shown on your Certificate of Insurance.
What can go wrong on a cruise holiday?
Cruise holidays can involve risks that are different from a standard land-based trip.
Medical treatment onboard
Public healthcare entitlements generally do not apply onboard a cruise ship, and medical treatment costs may be charged directly to you.
Emergency evacuation
If treatment is not available onboard, evacuation to hospital may be required, potentially in a foreign location and at significant cost.
Missed departures
Delayed flights or other travel disruptions can cause you to miss embarkation and create extra travel expenses.
Itinerary changes
Weather or timetable changes can lead to missed ports, missed shore visits and lost prepaid excursion costs.
What our Cruise Extension covers
Our Cruise Extension is designed to help protect you from common cruise-specific disruptions that can affect your holiday.
Pre-paid excursions
If you or your travelling companion become sick, or adverse weather prevents you from attending a booked excursion, we may cover the financial loss.
Missed shore visits
If your ship cannot dock at a scheduled port because of adverse weather or timetable restrictions, a cash benefit may apply.
Cabin confinement
If you are confined to your cabin and quarantined by the ship’s doctor, we provide a daily cash benefit for each affected day.
Ship to shore evacuation
If urgent medical treatment cannot be provided onboard, we cover the cost of emergency evacuation from the ship to shore so you can access appropriate medical care.
Select Cruise cover when you buy
Cruise-specific benefits may only apply where Cruise cover has been selected and is shown on your Certificate of Insurance.
Cover is subject to the terms, conditions, limits and exclusions of the policy. Please read the Policy Wording before purchasing.
Before you cruise
Why travellers choose Go Insurance for cruise holidays
Cruise-specific benefits
Our Cruise Extension is designed for common cruise travel scenarios, including missed shore visits, cabin confinement and ship to shore evacuation.
Flexible cover options
Choose cover that suits your trip, including your destinations, cancellation needs and relevant optional benefits.
Support when you need it
If something goes wrong while you are travelling, help is available so you can get guidance on what to do next.
Simple online quoting
Get a quote online and check your policy options before you travel.
Cruise Cover FAQs
These answers are general in nature. Please refer to the Policy Wording for full details of cover, limits, conditions and exclusions.
When do I need to add Cruise Cover?
If your trip includes a sea or ocean cruise, Cruise Cover must be added to your policy. Without it, there is no cover for claims that arise from being on a sea or ocean cruise.
Do I need Cruise Cover for a river cruise?
No. Cruise Cover is not required for river cruises.
Do I need Cruise Cover for a ferry journey?
No. Cruise Cover is not required when travelling on a ferry.
What if I’m cruising or sailing on inland waters?
Cruise Cover is not required when cruising or sailing on inland waters.
Does Cruise Cover include medical expenses while onboard?
Yes. Cruise Cover includes overseas medical expenses while you are onboard a sea or ocean cruise, subject to the terms, conditions, limits and exclusions of the policy.
Does Cruise Cover include ship-to-shore evacuation?
Yes. If medically necessary, Cruise Cover includes ship-to-shore evacuation so you can access appropriate medical treatment, subject to the policy terms, conditions, limits and exclusions.
Are prepaid cruise excursions covered?
Cruise Cover can provide cover for prepaid optional cruise excursions that you are unable to use due to illness, injury or adverse weather, subject to the policy terms and benefit limits.
What happens if my cruise ship misses a scheduled port?
A benefit may be payable if a scheduled port visit is cancelled due to adverse weather or cruise timetable restrictions, subject to the policy terms and benefit limits.
Can Cruise Cover help me rejoin my cruise?
Yes. Cover may be available to help you rejoin your cruise in certain circumstances, including illness, injury or transport disruption, subject to the policy terms, conditions and benefit limits.
What if I am confined to my cabin?
If you are confined to your cabin on the ship doctor’s orders, a daily benefit may be payable, subject to the policy terms and benefit limits.
How much cover do I receive?
Benefit limits vary depending on your chosen cover level. Please refer to the Schedule of Benefits in the Policy Wording for full details.