Couples

Couples Cruise Insurance

Specialist couples cruise insurance for Kiwi couples. One policy covers both of you with unlimited medical, evacuation & cabin confinement.

One policy covers both partners

Significant savings vs two individual policies

Unlimited medical for each person

Shared and individual cabin confinement cover

Joint trip cancellation protection

Emergency companion cover if one is hospitalised

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Coverage Highlights

One policy covers both partners

Significant savings vs two individual policies

Unlimited medical for each person

Shared and individual cabin confinement cover

Joint trip cancellation protection

Emergency companion cover if one is hospitalised

Why Couples Need Specialised Cruise Insurance

As New Zealand's cruise insurance specialists, we provide tailored couples cruise insurance that protects both partners under one policy — with significant savings compared to purchasing separate cover.

One Policy, Both Protected

A couples cruise insurance policy covers both you and your partner under a single document with a single premium. This is simpler to manage, easier to claim on, and almost always cheaper than two individual policies.

What Couples Cruise Insurance Covers

Unlimited Medical Expenses for Each Person

Each partner has their own unlimited medical coverage — separate limits for each, under one policy.

Emergency Evacuation

Both partners are covered for medical evacuation — and if one is evacuated, the other can travel with them.

Companion Cover

If one partner is hospitalised, the other can remain nearby — accommodation and extended stay costs are covered.

Joint Trip Cancellation

If either partner must cancel, the policy covers both partners' non-refundable costs.

Cabin Confinement

Daily benefit for each partner if confined to cabin due to illness.

Honeymooners & Anniversary Cruises

Special consideration for honeymooners and anniversary cruisers — we understand these are once-in-a-lifetime trips where comprehensive cover is essential.

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.