Multi-Trip

Multi-Trip Cruise Insurance

Multi trip cruise insurance covering all your travel needs with unlimited medical, travel, belongings & more. Get a quote & save up to 30%.

Covers all cruises within 12 months

Pay once, cruise unlimited times

Significant savings for frequent cruisers

Unlimited number of cruises per year

All destinations covered

Pre-existing conditions available to cover

Compare & Buy Online

We compare multiple cruise insurers so you don't have to.

Compare Providers

Compare multiple insurers — we do the hard work

Save time and money — buy direct online

So you don't have to — cover starts instantly

✓ Unlimited Medical✓ Emergency Evacuation✓ Cabin Confinement✓ 24hr Response✓ Free Quotes

Coverage Highlights

Covers all cruises within 12 months

Pay once, cruise unlimited times

Significant savings for frequent cruisers

Unlimited number of cruises per year

All destinations covered

Pre-existing conditions available to cover

What is Multi Cruise Insurance and Who Needs It?

Multi cruise insurance — also known as annual multi-trip cruise insurance — is specialised coverage designed for people who take multiple cruises within a 12-month period.

How Multi Cruise Insurance Works

Core Concept:

Single annual premium — pay once, cruise unlimited times
12-month coverage period — from policy start date for one full year
Unlimited number of cruises — take as many cruises as you want
Per-trip maximum duration — typically 30, 45, or 60 days per individual voyage

Financial Benefits of Multi-Trip Cover

The Maths for Frequent Cruisers:

2 cruises per year at $350/cruise = $700 individual policies
Annual multi-trip policy = $600–$800
Savings: $100–$300+ annually

For 3+ cruises per year, the savings become dramatic:

3 cruises × $350 = $1,050
Annual policy = $700–$900
Savings: $150–$350+

What Multi Cruise Insurance Covers

All Cruises Within the Year

Every cruise you take during the 12-month period — domestic, South Pacific, Asian, or worldwide.

Unlimited Medical Expenses

Full unlimited medical cover on every cruise.

Cancellation & Interruption

Per-trip cancellation protection for every voyage.

Consistent Coverage

Same level of protection on every cruise — no need to reassess cover for each trip.

Who Should Consider Multi-Trip Cover?

Cruisers taking 2+ voyages per year
Retirees who cruise regularly
Cruise loyalists sailing with the same line multiple times
Kiwis combining domestic and international cruises annually

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.