Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Oh Buoy! Discovering the world whilst on a cruise can be a truly spectacular holiday experience. Adventure, new discoveries, beautiful destinations and partying at the Captain's table can all be part of life on a cruise.
But, like any holiday, there are risks. With so much time spent on the water, and so much of your journey dependent on various port authorities, the only way to truly relax is to know you’re covered should something go wrong.
What many people don't realise is that even if you're cruising local coastal waters, once your ship has left port, you are no longer covered for hospital or medical expenses by New Zealand Accident Compensation Corporation (ACC) or Australian Medicare.
Hospital bills can be as much as $5,000 per day. Treatments, consultations and medications on board a ship are charged at private rates. Don't base your insurance decision on the assumption of 'it won't happen to me'. The unexpected does happen.
If your travel plans include cruising for more than 4 consecutive days, depending upon your insurer, you may have to select cruise cover as an additional option to your standard international policy. Some insurers automatically cover you provided you have selected an international policy. Alternatively you can purchase from a provider specialising in cruise insurance.
If you plan on participating in adventure shore activities or sports such as scuba diving or parasailing, be sure to check your chosen policy covers these activities.
A good policy will cover you for emergency medical evacuation from ship to shore, along with cover for general medical expenses such as hospital stays, doctor and surgical fees and dental. You will probably want to look at the level of cover for your valuables too, as many holiday makers will have a good camera on board to capture the stunning scenery on offer. Be sure to check that you are covered for any existing medical conditions too.
Good cruise insurance will cover:
Like all travel insurance policies, some things just aren’t covered. Most polices wont cover you for the following:
Smart travellers will always spend time doing a cruise travel insurance comparison.
Our comparison compares a platoon of reputable insurers with policies that cover you whilst on a cruise. Make sure that you select an international policy i.e. when cruising local coastal waters such as the Bay of Islands, choose Pacific.
Compare cruise insurance for your next trip to sea today!