Comprehensive Coverage for Families Cruising Together

Unlimited Medical Expenses for Each Person

Every family member receives separate, unlimited medical coverage including:

• Emergency consultations with ship’s doctors (all ages)
• Pediatric care specialists for children
• All medications and prescriptions
• Diagnostic tests and procedures
• Surgery and hospital admissions
• Intensive care if required (children and adults)
• Post-operative care and rehabilitation
• Ongoing treatment if hospitalization extends

Critical Advantage: Even if one child exhausts millions in medical costs, every other family member still has full unlimited coverage available separately.

Emergency Medical Evacuation

Comprehensive evacuation coverage for any or all family members:

• Helicopter evacuation from ship to shore
• Air ambulance to nearest adequate medical facility
• Medical escort if child or parent unable to travel alone
• Medical repatriation to New Zealand when fit
• Family accompaniment: Healthy family members can travel with evacuated member
• Accommodation for accompanying family during treatment
• Return transport if family separated during evacuation
• Additional flights to reunite family if necessary

Family Emergency Coordination

When medical emergencies affect families, our 24/7 team provides:

• Coordinated care for all family members
• Communication with extended family back home
• Decision-making support if parents incapacitated
• Guardianship arrangements for children if needed
• Financial arrangements for entire family
• Updates to all emergency contacts
• Translation services at medical facilities
• Coordination to keep family together when medically feasible

• Childcare arrangements during parent treatment

Childcare and Supervision Benefits

Critical coverage when parents need medical care:

• Professional childcare costs if both parents hospitalized
• Supervision expenses for minors during parent treatment
• Extended family travel costs to care for children
• Accommodation for caregiver with children
• Emergency guardianship coordination
• Return transport for children with designated adult

Family Cruise Insurance Cost Guide

Sample Family Cruise Insurance Costs

Note: These are indicative estimates. Actual premiums vary based on specific insurers, exact health status, selected excess, destination details, and individual circumstances.

Money-Saving Tips for Families

1. Kids Cruise Free—Maximize This Benefit
   Always purchase as a family policy: 60-70% cheaper per person than individual policies, children typically covered at no additional cost.
2. Book Early for Family Savings
   Purchase insurance when you book cruise for best available rates and full trip cancellation coverage from booking date.
3. Choose Family-Appropriate Excess
   If you have emergency savings, $500 excess reduces premium by ~20%, $1,000 excess reduces premium by ~35%.
4. Annual Multi-Trip Policies for Active Families
   If your family cruises or travels 2+ times yearly, annual policies cover unlimited family trips with massive savings vs multiple single-trip policies.
5. Family Healthy Lifestyle Discounts
   Many insurers offer discounts: all family members non-smoking (5-10%), regular family exercise activities (5-10%), healthy BMI for adults (5%).
6. Bundle Family Insurance Products
   Home and contents + cruise insurance (10-15%), life insurance + travel insurance packages, multi-policy family discounts (15-20% possible).
7. School Holiday Off-Peak Booking
   If possible, cruise outside peak school holidays for lower cruise fares = lower insurance costs, less crowded ships, better cabin availability.
8. Compare Multiple Insurers
   Family premiums vary significantly (30-50%). Never accept first quote, use comparison services, check coverage levels match, ensure all children covered properly.

Cruise Insurance for Over 50’s and Seniors:

Specialised Senior Cruise Cover – We specialize in cruise insurance for mature travellers however active you are:

• Coverage available for travellers up to 85+ years
• Realistic Premiums—we don’t age-gouge like many insurers
• Comprehensive medical screening for accurate quotes
• Experience handling age-related health concerns
• Understanding of mobility needs and cruise accessibility
• Complete Peace of Mind from the cruise insurance experts.

Senior-Specific Benefits:
Pre-existing medical condition coverage (see below)
Extended trip duration options (up to 18 months under 70, 6 months over 70)
Assistance with pre-trip medical documentation
Emergency family notification and coordination
Flexible cancellation policies understanding health uncertainties

Pricing: From $420 for couple aged 60-69 on a 7-day Pacific cruise (no pre-existing conditions).

Cruise Insurance for Pre-Existing Medical Conditions:

One of our specialties is providing cruise insurance for New Zealanders with pre-existing medical conditions. We believe your medical history shouldn’t prevent you from experiencing the joy of cruising regardless of where you are exploring around the World and without limitations on excursions you decide to undertake maybe except sky diving with a heart condition) so take a look below:

A pre-existing condition is any illness, injury, or medical condition for which you’ve received medical advice, treatment, or medication. The condition would need to have existed before purchasing insurance whether diagnosed or not.  You may or may not currently be symptomatic, common examples include:

• Heart conditions (angina, heart attack, stents, bypass surgery)
• High blood pressure (hypertension)
• Diabetes (Type 1 and Type 2)
• Respiratory conditions (asthma, COPD, emphysema)
• Cancer (current or previous)
• Joint conditions (arthritis, hip/knee replacements)
• Mental health conditions
• Thyroid disorders
• Digestive conditions (Crohn’s, colitis, diverticulitis)

Not sure what to do ?  Simply get a quote from our team of singles cruise insurance experts, complete the online form or call us.