Families

Family Cruise Insurance

Family cruise insurance from NZ$360. One policy covers the whole family with unlimited medical, evacuation & cabin confinement. Get a quote.

Whole family covered under one policy

Children often covered free

Unlimited medical for every family member

Paediatric care specialists for children

Family cabin confinement cover

Multi-generational family groups welcome

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Coverage Highlights

Whole family covered under one policy

Children often covered free

Unlimited medical for every family member

Paediatric care specialists for children

Family cabin confinement cover

Multi-generational family groups welcome

Comprehensive Coverage for Families Cruising Together

Family cruise insurance protects everyone in your group — adults, children, and grandparents — under a single policy. Children are often included at no additional cost, making family policies exceptional value.

Unlimited Medical Expenses for Each Family Member

Every family member receives separate, unlimited medical coverage including:

Emergency consultations with ship's doctors for all ages
Paediatric care specialists for children
All medications and prescriptions
Diagnostic tests and procedures
Surgery and hospital admissions
Intensive care if required

Children's Cover

Children under 18 travelling with an insured adult are typically included in family policies at no extra cost — an enormous saving compared to insuring each family member individually.

What Family Cruise Insurance Covers

Medical Coverage for All Ages

From infants to grandparents, every family member has full unlimited medical cover.

Family Cabin Confinement

Daily benefit if any family member is confined to cabin due to illness.

Trip Cancellation & Family Emergencies

If a family emergency requires cancellation or early return, the entire family's costs are covered.

Lost Luggage for the Whole Family

All family members' baggage covered under one claim.

Multi-Generational Groups

Grandparents, parents, and children travelling together can all be covered under one family policy — ask our advisors for specific multi-generational quotes.

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.