Do I really need cruise insurance for a cruise around New Zealand?

Yes, absolutely. Even on domestic New Zealand cruises, your ship enters international waters where public healthcare no longer applies. ACC only covers accidents, not illness. Once at sea, you're personally responsible for all onboard medical treatment, which can cost thousands of dollars. Emergency evacuation from a cruise ship to a New Zealand hospital can cost $10,000-$30,000. Cruise insurance covers these expenses plus trip cancellation, cabin confinement, and missed ports—making it essential protection even for short coastal voyages.

What's the difference between cruise insurance and regular travel insurance?

Cruise insurance includes specialized coverage that regular travel insurance excludes or inadequately covers. Standard policies often don't provide sufficient protection for onboard medical treatment, emergency evacuation from sea, cabin confinement compensation, missed port departure, itinerary disruption, or shore excursion cancellations. Cruise insurance is specifically designed for the unique risks of sea travel, ensuring you have adequate medical coverage (most cruise lines require minimum $1 million), evacuation provisions, and cruise-specific benefits that standard policies don't offer.

How much does cruise insurance cost?

Cruise insurance typically costs 3-7% of your total trip investment, depending on your age, destination, trip duration, and medical history. As a guide: a 7-day Pacific Islands cruise for a healthy couple in their 50s costs approximately $280-$450, while a domestic New Zealand cruise for the same couple costs $180-$250. Seniors aged 70+ and travellers with pre-existing conditions pay higher premiums. The cost is minimal compared to potential medical bills—a single medical evacuation can cost $50,000+, making insurance excellent value for money.Insurance prices fluctuate and vary by insurer so let us quote you.

Will my cruise insurance cover pre-existing medical conditions?

Yes, pre-existing conditions can be covered if you declare them during the application process and the insurer accepts them (typically with an additional premium). Common conditions like controlled hypertension, stable diabetes, asthma, and arthritis are often coverable. You must disclose all medical conditions honestly—failure to do so voids your entire policy, not just pre-existing condition claims. We specialize in finding coverage for travellers with medical histories, and most stable conditions can be insured with appropriate premium loading.

When should I buy cruise insurance?

Purchase cruise insurance immediately after making your first cruise payment or deposit—ideally within 7-14 days of booking. Many benefits, particularly trip cancellation coverage for pre-departure illness, only apply if insurance is purchased early. Buying at the time of booking also protects you if health issues develop between booking and departure. Don't wait until close to your departure date, as you'll lose valuable coverage benefits and any health changes could affect your eligibility or pricing.

What happens if I need to cancel my cruise?

If you cancel for a covered reason—serious illness or injury (yours or immediate family), death of a family member, redundancy, jury duty, or home emergency—your cruise insurance reimburses non-refundable costs including cruise fare, flights, accommodation, and pre-paid excursions. You must have cancellation coverage that meets or exceeds your total trip investment. Note that cancelling simply because you changed your mind or due to known circumstances at booking time is not covered. Documentation (medical certificates, death certificates, etc.) is required for all cancellation claims.

Am I covered if I'm confined to my cabin due to illness?

Yes, cruise insurance includes cabin confinement benefits if you're ordered to remain in your cabin due to illness—either your own contagious condition or exposure to someone else's infectious disease. You typically receive $100-$200 compensation per 24-hour period of confinement, covering lost activities, missed meals, and shore excursions. You'll need written confirmation from the ship's doctor ordering the confinement. This benefit is particularly valuable given recent experiences with norovirus outbreaks and COVID-19 protocols on cruise ships.

Does cruise insurance cover medical emergencies onboard?

Yes, comprehensive cruise insurance covers unlimited medical treatment received onboard the ship, including doctor consultations, medications, procedures, and hospitalization in the ship's medical center. More importantly, it covers emergency medical evacuation from the ship to shore if you need specialized treatment—evacuations can cost $50,000+ depending on your location. Your policy should include at least $1 million in medical coverage (most cruise lines require this minimum), and we recommend unlimited medical coverage for international cruises, especially to high-cost destinations like the USA.

What if my flight is delayed and I miss my cruise departure?

Cruise insurance covers missed departure if flight delays, cancellations, or other covered events (airline strikes, severe weather, mechanical failure) prevent you from boarding at your departure port. Your policy pays for additional transportation costs to join the cruise at the next port, accommodation while catching up to the ship, and communication expenses. You must allow reasonable connection time initially (typically 3-4 hours for domestic, 6+ hours for international connections). Keep all receipts and obtain written confirmation from the airline regarding the delay reason.

Can I get cruise insurance if I'm over 70 years old?

Yes, cruise insurance is available for seniors, with coverage typically offered up to age 85 or older depending on the insurer and your health status. Premiums are higher for older travellers due to increased medical risk, but comprehensive cover is definitely obtainable. Many cruise passengers are retirees and mature travellers, so insurers have specific policies designed for seniors. Pre-existing medical conditions are assessed individually, and we specialize in finding appropriate coverage for over 70s. The key is applying early, being honest about your health, and obtaining medical clearance from your doctor confirming you're fit to cruise.

Our cruise insurance specialists are here to help. Get a free quote online in just 2 minutes—no obligation required.

Pre-Existing Medical Cruise Insurance | Get Covered Today & Save

Cruise Insurance with Pre-Existing Medical Conditions

Having a pre-existing medical condition shouldn’t stop you from experiencing the joy of cruising. Whether you have diabetes, heart conditions, asthma, arthritis, or a complex medical history, you deserve comprehensive cruise insurance that provides real protection—not blanket exclusions or prohibitive premiums.

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Our team of experts will provide you with pre-existing insurance to suit you

trusted by kiwi's nationwide

We Proudly Partner With The Following Insurers;

As New Zealand’s cruise insurance specialists, we provide tailored seniors cruise insurance for travellers over 50, 60, 70, and even 80+. Whether you’re taking your first retirement cruise or you’re a seasoned senior cruiser, we ensure you’re fully protected with realistic premiums (no age-gouging), comprehensive medical coverage including pre-existing conditions, and 24/7 emergency support designed specifically for mature travellers.

Why Travellers Trust Our Cruise Insurance

✓ Coverage Up to Age 85+ – We don’t discriminate based on age
✓ Pre-Existing Conditions Specialists – Most conditions covered with assessment
✓ Realistic Premiums – Fair pricing without age-gouging
✓ Unlimited Medical Coverage – Full protection at sea and ashore
✓ Comprehensive Medical Screening – Accurate quotes for your health
✓ 24/7 Emergency Assistance – Expert support when you need it most
Important: Don’t assume you can’t get cruise insurance because of your age or medical history. We specialise in finding coverage for mature travellers and regularly insure seniors with controlled conditions like hypertension, diabetes, previous heart issues, arthritis, and more.

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What is a Pre-Existing Medical Condition?

A pre-existing medical condition is any illness, injury, disease, or medical condition for which you have:

Received medical advice, consultation, or treatment
Been prescribed medication or therapy
Experienced symptoms (whether diagnosed or not)
Undergone tests, investigations, or monitoring
Been hospitalized or had surgery
Had changes to medication or dosage

The critical timeframe varies by insurer but typically covers conditions you’ve had at any point before purchasing insurance—not just recent conditions. Even conditions that occurred years ago may need to be declared if you’re still receiving treatment or monitoring.

Common Misconceptions About Pre-Existing Conditions:

Myth: “I haven’t had symptoms for years, so it doesn’t count.”
Truth: If you’re still on medication or receiving monitoring, it’s still pre-existing.
Myth: “My condition is controlled, so I don’t need to declare it.”
Truth: Controlled conditions still need declaration—but they’re often covered with assessment.
Myth: “It’s not related to travel, so I can skip mentioning it.”
Truth: Declare everything. Insurers decide what’s relevant, not you.
Myth: “I only need to declare conditions from the past 12 months.”
Truth: Most insurers require disclosure of all ongoing conditions regardless of when diagnosed.

Why Honest Disclosure is Essential

Failing to disclose pre-existing conditions is the leading cause of declined claims. When you make a claim, insurers access your medical records. If they discover undisclosed conditions, they can:

Void your entire policy – Not just deny the current claim, but cancel all coverage retroactively
Refuse all claims – Even claims completely unrelated to the undisclosed condition
Keep your premium – You lose the money you paid for worthless coverage
Leave you liable for costs – You pay all medical bills, evacuation costs, everything

Real Example of Non-Disclosure Consequences:

A 68-year-old man suffered a stroke while cruising, requiring $87,000 in medical treatment and evacuation. His claim was denied because he failed to disclose his hypertension and high cholesterol—conditions he considered “minor” and “controlled.” He was personally liable for the entire $87,000 because his non-disclosure voided his policy. Always declare everything.

Commonly Covered Pre-Existing Conditions

With proper medical assessment and disclosure, we regularly provide coverage for:

Cardiovascular

Hypertension (high blood pressure)
High cholesterol
Previous heart attack (stable)
Angina (controlled)
Atrial fibrillation
Heart valve disease (mild-moderate)
Pacemakers/stents
Previous bypass surgery

Metabolic

Type 1 diabetes
Type 2 diabetes
Thyroid disorders
High cholesterol
Gout
Obesity
Metabolic syndrome

Respiratory

Asthma (controlled)
COPD (stable)
Emphysema
Chronic bronchitis
Sleep apnea
Previous pneumonia

Musculoskeletal

Arthritis (all types)
Joint replacements
Osteoporosis
Chronic back pain
Fibromyalgia
Spinal stenosis

Digestive

GERD/acid reflux
Irritable bowel syndrome
Crohn’s disease
Ulcerative colitis
Diverticulitis
Previous gallbladder removal

Mental Health

Depression (stable)
Anxiety disorders
PTSD
Bipolar disorder (controlled)
OCD

Neurological

Previous stroke/TIA (stable)
Migraines
Epilepsy (controlled)
Multiple sclerosis (stable)
Parkinson’s disease
Peripheral neuropathy

Cancer History

Breast cancer (remission)
Prostate cancer (remission)
Colon cancer (remission)
Skin cancer (treated)
Other cancers (case-by-case)

Other Common

Kidney stones
Prostate conditions
Glaucoma
Macular degeneration
Hearing loss
Autoimmune conditions

This is not an exhaustive list. Even if your condition isn’t listed, contact us. We assess each case individually and can often find coverage for complex or uncommon conditions. Simply get a quote and see how we can help you.

Conditions That Are More Difficult to Cover

Some conditions make coverage challenging or impossible:

Active cancer currently undergoing treatment – Chemotherapy, radiation, or awaiting surgery
Terminal illnesses – Limited prognosis or palliative care
Unstable or uncontrolled conditions – Recent hospitalizations, medication changes, worsening symptoms
Awaiting diagnosis or test results – Symptoms under investigation
Conditions requiring imminent treatment – Scheduled surgery, procedures planned
Severe heart failure – NYHA Class III-IV
End-stage organ disease – Kidney failure requiring dialysis, liver failure
Severe COPD – Oxygen-dependent, FEV1 <30%
Recent major cardiac events – Heart attack, stroke, cardiac arrest within 6-12 months
Severe cognitive impairment – Advanced dementia, Alzheimer’s

Even with these conditions, don’t automatically assume you’re uninsurable. Contact us for individual assessment—we may find options or alternative coverage approaches.

How the Medical Assessment Process Works

Getting cruise insurance with pre-existing medical conditions involves a thorough but straightforward medical assessment process. Understanding what to expect helps you prepare properly and get accurate quotes either online or over the phone.

Step 1: Initial Health Declaration

You’ll complete a comprehensive medical questionnaire covering:

All diagnosed conditions – Every medical condition you’ve been diagnosed with, regardless of when
Current medications – Name, dosage, frequency, what they treat
Recent medical events – Hospitalizations, emergency visits, surgeries (typically past 12-24 months)
Ongoing treatment – Specialist appointments, monitoring, therapy
Symptoms – Current or recent symptoms, even if under investigation
Family history – If relevant to hereditary conditions
Lifestyle factors – Smoking, alcohol use, exercise

Tips for Accurate Health Declaration:

Gather medical records first – Review your health history before starting
List all medications – Including over-the-counter and supplements
Include everything – Better to over-disclose than under-disclose
Be specific – Exact dates, dosages, and condition names
Ask your doctor – If unsure about diagnosis or treatment details
Don’t guess – Get accurate information from medical records

Step 2: Detailed Condition Questions

For each declared condition, you’ll answer specific questions such as:

Diabetes Example:

Type 1 or Type 2?
When diagnosed?
Current HbA1c level (blood sugar control measure)
Medications and insulin regimen
Any complications? (neuropathy, retinopathy, nephropathy)
Recent hospitalizations related to diabetes?
Frequency of hypoglycemic episodes
Regular monitoring and specialist visits?

Heart Condition Example:

Specific diagnosis (angina, previous heart attack, arrhythmia)?
When did event/diagnosis occur?
What treatment received? (medication, stents, bypass surgery)
Current medication regimen
Any residual symptoms or limitations?
Most recent cardiologist visit and findings?
Exercise tolerance and functional capacity?
Recent tests (ECG, stress test, echocardiogram)?

Questions are tailored to each specific condition to accurately assess risk.

Step 3: Medical Clearance from Your Doctor

Most insurers require a letter from your GP or specialist confirming:

Fitness to travel – You’re medically able to undertake cruise travel
Condition stability – Conditions are stable and well-managed
Medication compliance – You’re taking medications as prescribed
Current status – No planned procedures or treatment changes
Any restrictions – Activity limitations or special precautions
Emergency protocols – What to do if condition worsens while traveling

Medical Clearance Tips:

Book appointment 3-4 weeks before cruise departure
Explain you need medical clearance for travel insurance
Bring list of all medications and conditions
Request letter on practice letterhead
Ensure doctor’s contact information included
Get multiple copies (insurer, carry with you, leave with family)
Some insurers provide template letters—ask your adviser

Step 4: Medical Underwriter Review

Insurance company medical underwriters (often doctors or nurses) assess your application considering:

Condition severity – How serious is the condition?
Stability duration – How long has it been stable?
Treatment effectiveness – Is current treatment working?
Prognosis – What’s the expected disease course?
Medication compliance – Are you following treatment plans?
Complication risk – Likelihood of problems while traveling?
Age factors – How does age affect risk?
Multiple conditions – How do conditions interact?
Destination factors – Medical care availability where you’re cruising
Trip duration – Risk increases with longer trips

This review typically takes 3-7 business days, though complex cases may take longer.

Step 5: Coverage Decision and Premium Quote

You’ll receive one of several outcomes:

Option 1: Full Coverage Approved

Your conditions are covered with premium loading reflecting your additional risk. You’ll receive:

Base premium for your age and trip
Additional loading for each condition (typically 20-150% increase)
Full coverage including your pre-existing conditions
Standard policy terms and benefits

Option 2: Partial Coverage

Some conditions covered, others excluded:

Specific excluded conditions listed in policy
Everything else fully covered
Premium reflects covered conditions only
Clear documentation of what’s covered vs excluded

Option 3: Standard Exclusion Applied

Pre-existing conditions not covered, but everything else is:

New conditions occurring after policy purchase covered
Accidents and injuries covered
All other policy benefits apply
Lower premium (no medical loading)
Understand you’re not covered for condition exacerbations

Option 4: Coverage Declined

If risk is too high, coverage may be declined:

Typically for unstable, terminal, or very high-risk conditions
Explanation provided
May be eligible for coverage in future if health improves
We can try alternative insurers who may have different risk appetite

Step 6: Policy Issuance

Once you accept the quote, you’ll receive:

Certificate of Insurance – Proof of coverage with policy number
Policy Wording – Complete terms, conditions, and exclusions
Schedule of Benefits – Coverage limits for each benefit
Pre-Existing Condition Addendum – Specific details on covered/excluded conditions
Emergency Contact Card – 24/7 assistance numbers
Claims Information – How to make claims if needed

Important: Review Everything Carefully

Read your policy documents thoroughly, especially the pre-existing condition addendum. Ensure you understand exactly what is and isn’t covered. If anything is unclear, contact your adviser before your cruise. Once you’ve departed, it’s too late to make changes.

How Long Does the Process Take?

Simple cases: 24-48 hours (single stable condition, good control)
Standard cases: 3-7 business days (multiple conditions, requires assessment)
Complex cases: 7-14 business days (multiple serious conditions, detailed review needed)
Very complex cases: 14-21 business days (may require additional medical information)

Plan ahead. Don’t leave insurance purchase until the last minute if you have pre-existing conditions. Apply at least 3-4 weeks before departure to allow time for medical clearance and underwriting.

What Coverage Includes for Pre-Existing Conditions

When your pre-existing conditions are accepted and covered, your cruise insurance provides comprehensive protection for both your declared conditions and any new conditions that arise.

Medical Coverage for Pre-Existing Conditions

Covered Events Related to Pre-Existing Conditions:

Exacerbation or flare-up – If your condition worsens requiring medical treatment
Complications – New problems arising from existing condition
Related emergencies – Heart attack in someone with heart disease, stroke in someone with hypertension
Medication side effects – Adverse reactions to prescribed medications
Monitoring and testing – Medical tests required due to condition changes
Emergency procedures – Surgery or interventions needed due to condition

Unlimited Medical Coverage Includes:

Onboard medical consultations and treatment
Emergency medications and prescriptions
Diagnostic tests (blood tests, X-rays, ECGs, ultrasounds)
Specialist consultations (cardiologists, endocrinologists, etc.)
Hospital admissions (onboard or ashore)
Surgery and procedures
Intensive care
Post-operative care and rehabilitation
Ongoing treatment if hospitalization extends beyond cruise

Emergency Medical Evacuation

Critical coverage for pre-existing condition complications:

Helicopter evacuation – From ship to shore when ship’s medical facilities insufficient
Air ambulance – To nearest adequate medical facility, possibly major city hospital
Specialized medical escort – Doctor or nurse with expertise in your condition
Medical equipment – Oxygen, cardiac monitoring, dialysis, specialized equipment
Repatriation to New Zealand – When medically stable to travel home
Medical team coordination – Communication between cruise medical staff, destination doctors, and your NZ specialists

Why This Matters for Pre-Existing Conditions:

If you have diabetes and experience diabetic ketoacidosis, or have heart disease and suffer a heart attack, evacuation costs can exceed $100,000. Without coverage for your pre-existing condition, you’re personally liable for these catastrophic costs. Proper coverage means you’re protected regardless of whether the emergency relates to your known condition or something completely new.

Trip Cancellation for Pre-Existing Conditions

If your condition worsens before departure preventing travel:

Full reimbursement – All non-refundable cruise costs, flights, accommodation
Medical certification required – Doctor confirms you’re unfit to travel
Covers condition changes – New diagnosis, medication changes, symptom worsening
Hospitalization – If hospitalized before departure due to pre-existing condition
Treatment changes – If treatment plan changes requiring you to stay home

Important Timing Consideration:

Trip cancellation for pre-existing conditions typically only applies if the condition is stable at the time you purchase insurance. If you buy insurance knowing your condition is unstable or worsening, cancellation due to that condition may not be covered. This is why you should purchase insurance as soon as you book your cruise—while you’re healthy and stable.

What’s NOT Covered (Even with Pre-Existing Condition Acceptance)

Understanding exclusions is crucial:

Known events – If you purchase insurance knowing you need surgery or treatment
Routine monitoring – Regular check-ups, scheduled tests, medication refills
Elective procedures – Non-emergency treatments you choose to have while traveling
Undisclosed conditions – Anything you didn’t declare voids related coverage
Non-compliant behavior – If you stop taking medications, ignore medical advice
Conditions excluded by name – If specific condition excluded in policy, it’s not covered
Travel against medical advice – If doctor advises against travel but you go anyway

Cost of Cruise Insurance with Pre-Existing Conditions

Yes, covering pre-existing conditions increases your premium. But the additional cost is reasonable compared to the financial risk you face without proper coverage.

How Premium Loading Works

Your total premium consists of:

Base premium – Cost for someone your age with no conditions
Condition loading – Additional premium for each condition (assessed individually)
Combined risk adjustment – If multiple conditions interact, additional loading may apply

Typical Loading Percentages:

Condition Severity	Typical Loading	Example
Mild/Well-Controlled	10-30%	Controlled hypertension, mild asthma, thyroid disorder on stable medication
Moderate/Stable	30-60%	Type 2 diabetes (good control), previous heart attack (2+ years stable), arthritis
Significant/Complex	60-100%	Multiple cardiac conditions, COPD (moderate), Type 1 diabetes, recent cancer remission
Serious/Multiple	100-200%	Heart disease + diabetes + COPD, recent major surgery, multiple serious conditions

Sample Premium Comparisons From:

Profile	No Conditions	With Conditions	Additional Cost
Age 55, 7-day Pacific Controlled hypertension only	fr.$280	fr.$350	+$70 (25%)
Age 62, 7-day Pacific Type 2 diabetes (controlled)	fr.$420	fr.$630	+$210 (50%)
Age 68, 10-day Australia Previous heart attack (3 years stable)	fr.$680	fr.$1,150	+$470 (69%)
Age 72, 7-day Pacific Hypertension + arthritis	fr.$820	fr.$1,180	+$360 (44%)
Age 65, 14-day Asia Diabetes + heart disease + COPD	fr.$1,280	fr.$2,880	+$1,600 (125%)

Note: These are indicative examples only. Actual premiums depend on specific condition details, medications, stability, destination, and individual circumstances.

Is Pre-Existing Condition Coverage Worth the Cost?

Consider this perspective:

Cost-Benefit Analysis:

Example: 65-year-old with Type 2 diabetes, 10-day Australian cruise

Base premium (no conditions): $580
Premium with diabetes covered: $950
Additional cost for coverage: $370

What you’re protecting against:

Diabetic emergency requiring treatment: $8,000-$15,000
Diabetic ketoacidosis requiring ICU: $25,000-$40,000
Medical evacuation from ship: $50,000-$100,000
Trip cancellation if diabetes worsens pre-departure: $8,000 cruise cost

Verdict: Spending an extra $370 to protect against potential costs of $50,000-$150,000 is exceptional value. Without pre-existing condition coverage, you’re gambling your life savings on your health remaining perfectly stable—a risky bet for anyone with chronic conditions.

Money-Saving Tips with Pre-Existing Conditions

Maintain Excellent Condition Control
Better control = lower risk = lower premiums. Regular doctor visits, medication compliance, healthy lifestyle all contribute to better insurance rates.
Get Coverage Early
Purchase when you’re stable. Waiting until closer to departure when health may have changed can result in higher premiums or declined coverage.
Choose Domestic Cruises
NZ coastal cruises cost significantly less to insure (40-50% lower) while still providing wonderful experiences.
Consider Higher Excess
Choosing $500-$1,000 excess reduces premium by 20-35%—worthwhile if you can afford the out-of-pocket cost.
Annual Policies for Frequent Travelers
If you travel/cruise multiple times yearly, annual policies offer better value even with pre-existing conditions covered.
Compare Multiple Insurers
Different insurers have different risk appetites and pricing models. We compare all options to find you the best coverage at the best price.
Couples Policies
If only one partner has conditions, couples policies still save significantly (30-40%) vs two singles.
Be Strategic with Timing
If planning surgery or treatment, consider traveling before (if medically safe) or waiting until fully recovered and stable for 6-12 months.

Essential Tips for Senior Cruisers

Before You Book Your Cruise

Choose Senior-Friendly Cruise Lines

Some cruise lines cater better to mature travellers:

Premium lines: Holland America, Princess, Oceania—larger proportion of senior passengers, slower pace, enrichment programs
River cruises: Viking, Avalon, AmaWaterways—smaller vessels, cultural focus, less physically demanding
Expedition cruises: Variety of activity levels, excellent lectures, naturalist guides
Avoid: Party-focused lines (Carnival), spring break cruises, mega-ships if you prefer quieter experiences

Consider Cruise Duration

7-10 days: Ideal for first-time senior cruisers
14-21 days: Good for experienced cruisers, more relaxed pace
30+ days: World cruises or repositioning—ensure medications sufficient, medical coverage adequate
Back-to-back cruises: Consider fatigue factor, medication supplies

Verify Medical Facilities (important for any pre-ex traveller)

Check cruise line medical capabilities:

24/7 medical center with doctors and nurses
Pharmacy with common medications
Cardiac monitoring and defibrillators
Oxygen availability
Emergency evacuation protocols
Telemedicine consultations if available

Health Preparation

Medical Check-Up

Schedule appointment with your GP 4-6 weeks before departure:

Confirm fitness to cruise and travel
Review all medications and dosages
Discuss any health concerns
Obtain medical clearance letter for insurance
Get prescriptions for extra medications
Update vaccinations if required for destinations
Discuss preventive measures (motion sickness, constipation, etc.)

Medication Management

Pack Twice What You Need:

Original containers with pharmacy labels
Carry-on luggage (never checked bags)
Separate prescriptions and medications between luggage (if traveling with spouse)
List of medications with generic names (brand names vary internationally)
Dosing schedule and timing
Doctor’s contact information

Pro Tip: Photograph all medication bottles clearly showing names, dosages, and prescribing doctor. Store photos on phone and email to yourself. If medications lost, you have complete information to obtain emergency refills.

Medical Documentation

Prepare a medical information packet including:

Current medication list with dosages
Allergy information (medications, food, environmental)
Chronic conditions and diagnoses
Previous surgeries and major medical history
Doctor contact information (GP and specialists)
Emergency contacts (family in NZ)
Insurance policy information and emergency numbers
Blood type if known
Pacemaker/ICD card if applicable

Onboard Safety for Seniors

Prevent Falls

Falls are the leading cause of senior injuries on cruises:

Wear non-slip shoes at all times (avoid flip-flops)
Use handrails on stairs and corridors
Be extra cautious in wet areas (pools, showers, rain)
Walk slowly and deliberately—ship movement can affect balance
Use elevators if stairs challenging (no shame in this)
Request cabin near elevator to minimize walking
Keep cabin well-lit at night (nightlight for bathroom)
Avoid rushing—ships wait for passengers

Stay Hydrated

Seniors are more susceptible to dehydration:

Drink water regularly throughout day
Limit alcohol and caffeine (dehydrating)
Carry refillable water bottle
Be extra cautious in hot climates
Watch for dehydration signs (dizziness, confusion, dark urine)

Pace Yourself

Cruises can be surprisingly exhausting:

Don’t feel obligated to participate in every activity
Schedule rest periods daily
Skip some shore excursions—relaxing onboard is fine
Prioritize sleep—maintain regular sleep schedule
Listen to your body—rest when tired
Consider sea days as recovery days

Sun Protection

Seniors’ skin is more vulnerable:

High SPF sunscreen (50+), applied frequently
Wide-brimmed hat
Lightweight long-sleeved clothing in tropical climates
Seek shade during peak sun (10am-2pm)
Be aware of medication-sun interactions (some medications increase sensitivity)

Shore Excursions for Seniors

Assess Physical Demands

Shore excursions rate difficulty levels:

Easy: Minimal walking, seated activities, buses with frequent stops
Moderate: 1-2 hours walking, some stairs, uneven surfaces
Strenuous: Extensive walking, steep terrain, physically demanding

Be honest about your abilities. Choosing excursions beyond your physical capability can result in injury, exhaustion, or missing ship departure.

Mobility Considerations

If you use mobility aids:

Book accessible excursions specifically
Inform tour operators of mobility needs in advance
Verify bus/boat accessibility
Consider private tours with customizable pace
Research port accessibility (some require tender boats)

Time Management

Seniors should allow extra buffer time:

Return to ship 60+ minutes before departure (not 30 minutes)
Account for slower walking pace
Factor in bathroom breaks
Consider rest needs
Ships will not wait if you’re late

Independent Shore Exploration

If exploring independently:

Stay close to port area initially
Carry ship contact information and cabin number
Have emergency cash in local currency
Keep phone charged with international capability
Travel with companion if possible
Return well before departure time
Know how to get emergency assistance

Medical Emergencies Onboard

When to Seek Medical Attention

Don’t delay seeking help for:

Chest pain or pressure
Difficulty breathing
Sudden severe headache
Confusion or disorientation
Weakness or numbness (especially one-sided)
Severe abdominal pain
High fever
Uncontrolled bleeding
Falls with injury
Severe allergic reactions

Early intervention is critical. Ship’s medical centers are equipped for emergencies, but early treatment yields better outcomes.

Working with Ship’s Medical Team

Bring your medical information packet
Clearly explain symptoms and concerns
Mention all medications you’re taking
Ask questions about diagnosis and treatment
Request written documentation of all treatment
Contact your travel insurance immediately
Keep all receipts and medical reports
Follow up with your NZ doctor upon return

Get Your Pre-Existing Cruise Insurance Quote Now

Comprehensive pre-existing medical cruise insurance for seniors covering missed ports, cabin confinement, itinerary changes, and trip cancellations—protecting both your health and your holiday investment for that complete peace of mind.

Our team of experts can provide you with a cruise insurance policy or wider travel insurance option to cover all eventualities. Its certainly worth talking to the experts or get a quote online to cover your voyage.

Get a Quote

Frequently Asked Questions – Pre-Existing Medical Conditions

Q: What exactly counts as a pre-existing medical condition?

Any condition for which you’ve received medical advice, treatment, medication, or monitoring before purchasing insurance. This includes diagnosed conditions (diabetes, heart disease), ongoing treatment (high blood pressure medication), and even symptoms under investigation. The timeframe typically covers your entire medical history, not just recent conditions. When in doubt, declare it—over-disclosure is always safer than under-disclosure.

Q: Will my pre-existing conditions be covered or automatically excluded?

It depends on the insurer and your specific conditions. Many stable, well-managed conditions CAN be covered with proper medical assessment and additional premium. Conditions like controlled hypertension, diabetes, asthma, arthritis, and even previous heart attacks are regularly covered. However, unstable conditions, active cancer treatment, or very high-risk situations may be excluded or declined. The only way to know is to apply—we can often find coverage even when conditions seem complex.

Q: How much extra will I pay to cover my pre-existing conditions?

Premium increases vary widely based on condition severity, stability, and complexity. Mild conditions (controlled hypertension) might add 10-30%. Moderate conditions (Type 2 diabetes) typically add 30-60%. Significant conditions (previous heart attack, multiple conditions) may add 60-150% or more. While this seems expensive, it’s reasonable compared to the financial risk—a single medical emergency related to your condition could cost $50,000-$150,000+ without proper coverage.

Q: What if I don’t declare my pre-existing conditions to save money?

This is the worst possible decision. If you make a claim (for ANY reason, not just your undisclosed condition), insurers access your medical records. When they discover undisclosed conditions, they void your entire policy—deny all claims, keep your premium, and leave you personally liable for all costs. People have lost hundreds of thousands of dollars this way. The “savings” from non-disclosure could cost you everything. Always disclose honestly.

Q: My condition is controlled with medication—do I still need to declare it?

YES. Controlled conditions still need declaration. In fact, well-controlled conditions are often covered precisely because they’re stable and managed. The fact you’re taking medication makes it a pre-existing condition requiring disclosure. Many people with controlled hypertension, diabetes, thyroid conditions, etc. get excellent coverage—but only if they declare honestly.

Q: I had a condition years ago but I’m completely recovered—do I still declare it?

Generally yes, especially if it was within the past 5-10 years or if you still receive monitoring. Examples: previous cancer (even in remission), previous heart attack (even if recovered), previous surgery (even if healed). If you’re no longer receiving any treatment or monitoring and it’s been many years, check with your adviser—but when in doubt, declare it. Better safe than sorry.

Q: Can I get cruise insurance if I have multiple pre-existing conditions?

Often yes, though it’s more complex. Each condition is assessed individually, and insurers consider how conditions interact. People with diabetes + heart disease, or hypertension + arthritis + COPD often get coverage—it costs more, but it’s available. The key is stability, good medical management, and honest disclosure. We specialize in complex cases and regularly find coverage for people with 3-5+ conditions.

Q: What if my condition changes after I buy insurance but before my cruise?

You MUST notify your insurer immediately of material changes (new diagnoses, hospitalization, medication changes, symptom worsening). They’ll reassess and either confirm coverage continues, apply additional premium, exclude the new condition, or in rare cases cancel with refund. Failure to notify of material changes can void your policy. It’s always better to disclose and pay extra premium than risk having no coverage.

Q: Will I be covered if I have a medical emergency completely unrelated to my pre-existing conditions?

Yes, absolutely. If you have diabetes as a pre-existing condition but you break your leg in an accident, that’s covered. If you have heart disease but get appendicitis, that’s covered. Pre-existing condition coverage means you’re protected for both your known conditions AND any new conditions that arise. You have comprehensive coverage for everything.

Q: How do I know if my condition is considered stable enough to be covered?

Generally, conditions are considered stable if: no hospitalizations related to the condition in past 6-12 months, no medication changes due to worsening symptoms in past 3-6 months, symptoms controlled and manageable, regular medical monitoring, and doctor confirms condition is stable. Unstable indicators include: recent hospitalizations, frequent medication changes, worsening symptoms, awaiting test results, or planned procedures. Your doctor’s assessment is critical—if they confirm you’re stable and fit to travel, insurers typically agree.

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 cruise insurance experts, complete the online form or call us.

The Benefits Outweigh The Cost

You’ve been planning this cruise for months (possibly years), dreaming about waking up in exotic ports and creating memories that’ll last a lifetime. But here’s what most Kiwis don’t realize: the moment your ship enters international waters—even on a domestic NZ cruise—you’re on your own financially.
Medical emergencies at sea cost tens of thousands, and one unexpected illness could wipe out your savings and ruin years of planning. Getting a free, no-obligation quote takes just 2 minutes and costs you nothing. But not having insurance when something goes wrong?
That could cost you everything. See what protection actually costs before you decide—you might be surprised how affordable peace of mind really is.