Annual Cover

Annual Cruise Insurance

Complete guide to annual cruise insurance for Kiwis. Cover for unlimited cruises in 12 months. Comprehensive medical, evacuation & cancellation.

12 months of unlimited cruise coverage

Covers both domestic and international cruises

Single premium for whole year

Quick and easy claims on every voyage

Renew annually and maintain continuity

Best value for 2+ cruises per year

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Coverage Highlights

12 months of unlimited cruise coverage

Covers both domestic and international cruises

Single premium for whole year

Quick and easy claims on every voyage

Renew annually and maintain continuity

Best value for 2+ cruises per year

What Is Annual Cruise Insurance?

Annual cruise insurance (or annual multi-trip cruise insurance) is a specialised policy that covers unlimited cruises within a 12-month period. It's the most cost-effective option for New Zealanders who cruise two or more times per year.

Could You Save With Annual Cruise Insurance?

Quick Calculation:

If you're planning 2 or more cruises in a 12-month period, annual cruise insurance typically costs $600–$1,200 (under 69) versus $350–$700 per single cruise. That's potential savings of $100–$1,400+ annually while getting unlimited cruise coverage.

How Annual Cruise Insurance Works

12-Month Coverage Period

Your policy runs for exactly 12 months from your chosen start date. All cruises within this period are automatically covered.

Per-Trip Duration Limits

Annual policies typically cover individual voyages up to 30, 45, or 60 days. If you're planning a world cruise exceeding this, discuss options with your advisor.

Automatic Coverage

No need to arrange separate insurance for each cruise — simply book your cruise, notify your insurer if required, and sail knowing you're covered.

What Annual Cruise Insurance Covers

Unlimited Cruises Within 12 Months

Take as many cruises as you like — every voyage is covered.

Full Medical Coverage

Unlimited medical expenses, evacuation, and repatriation on every cruise.

Cancellation Protection

Per-trip cancellation cover for every voyage during the year.

Domestic & International

Whether you're sailing to the Sounds or the Mediterranean, you're covered.

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.