Worldwide

Worldwide Cruise Insurance

Worldwide cruise insurance for Kiwis. Get comprehensive cover for medical expenses, evacuations, cancellations and more from the experts.

True global coverage — every ocean and port

Unlimited medical expenses worldwide

Emergency evacuation from any location

World cruise and long-haul voyage cover

⚠️ Medical costs from $10,000/day Caribbean to $15,000+/day Alaska

⚠️ Remote locations (Antarctica, fjords) mean costly evacuations

⚠️ World cruise passengers are away from NZ for months at a time

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✓ Unlimited Medical Cover✓ Emergency Evacuation✓ Cabin Confinement✓ Pre-Existing Conditions✓ Free Quotes

What's Covered

True global coverage — every ocean and port

Unlimited medical expenses worldwide

Emergency evacuation from any location

World cruise and long-haul voyage cover

Pre-existing conditions available to cover

Medical repatriation to NZ from anywhere on earth

Why You Need Worldwide Cruise Insurance

Worldwide cruise insurance is the ultimate protection for global voyagers — covering every ocean, every port, and every destination on the planet. Whether you're embarking on a world cruise or sailing through multiple regions, comprehensive worldwide cover is essential.

Global Medical Cost Reality

Medical costs vary dramatically by region. Understanding the financial exposure is critical:

Most Expensive Regions:

Alaska: $10,000–$15,000/day (remote evacuations, limited facilities)

Arctic/Antarctic: $15,000–$30,000/day (extreme remoteness)

Mediterranean: €3,000–€10,000/day

What Makes Worldwide Cover Different

Standard international policies may exclude certain regions or have sub-limits for remote destinations. True worldwide cover has no geographic exclusions — from the Caribbean to Antarctica, the Mediterranean to the South Pacific.

Key Benefits of Worldwide Cruise Insurance

No Geographic Restrictions

Every destination your ship visits is covered — including remote Antarctic expeditions and Arctic voyages.

Unlimited Medical Expenses

No dollar caps. Whether you need treatment on a Caribbean island or in a Norwegian fjord, all costs are covered.

World Cruise Specialist Cover

Dedicated support for longer voyages of 60+ days, where comprehensive coverage becomes even more critical.

Frequently Asked Questions

Do I need cruise insurance if I already have travel insurance?

Yes — standard travel insurance typically does not cover the unique risks associated with cruising. You need to either add a cruise extension to your existing policy or purchase dedicated cruise insurance. Standard policies often exclude cabin confinement, miss-port departure, and have inadequate limits for maritime medical evacuations.

Does my NZ health insurance cover me on a cruise?

No. Once your ship departs port — even on domestic NZ cruises — you are in a maritime environment where standard NZ health insurance does not apply. Ship's doctors charge private rates, and onboard medical costs are entirely your responsibility without cruise insurance.

What is cabin confinement cover?

Cabin confinement cover provides a daily cash benefit (typically $100–$250/day) if illness or injury keeps you confined to your cabin. Since you've paid for excursions and activities you can't enjoy, this benefit helps compensate for the experience you're missing out on.

What is missed port departure cover?

If your connecting flight or transport to the cruise embarkation port is delayed or cancelled due to a covered reason, missed port departure cover pays for you to catch up with your ship at the next port — including flights, accommodation, and meals while you wait.