Singles Cruise Insurance: Complete Protection for Solo Cruise Travellers
Cruising solo is one of the most liberating and enriching travel experiences—the freedom to explore at your own pace, meet new people from around the world, and create your own adventure without compromise. But as a single traveller, you need insurance that understands your unique needs and provides comprehensive protection specifically designed for solo cruising.
Our team of experts will provide you with singles cruise insurance to suit you.
We Proudly Partner With The Following Insurers;
Why Singles Need Specialist Cruise Insurance
As New Zealand’s cruise insurance specialists, we provide tailored singles cruise insurance that covers everything from medical emergencies and cabin confinement to trip cancellation and emergency support when you’re travelling alone. Whether you’re embarking on your first solo cruise or you’re a seasoned independent traveller, we’ll ensure you’re fully protected from the moment you book until you return home safely.
Solo cruise travellers face unique risks that standard travel insurance doesn’t adequately address. When travelling alone, a medical emergency means no travel companion to assist, cabin confinement affects only you, and trip cancellation costs fall entirely on one person. Singles cruise insurance provides enhanced protection including single supplement coverage, solo emergency assistance, cabin confinement compensation, comprehensive medical cover, and 24/7 support designed specifically for travelers without companions. Don’t risk cruising alone without proper protection—get covered today for less with the cruise insurance experts.
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Couples Cruise InsuranceSpecialised cover for scenic river cruising through Europe, Asia, and beyond. Protection for medical expenses, trip disruption, itinerary changes, and travel delays—tailored for the unique needs of river cruise travellers. Enjoy peace of mind as you explore waterways from the Danube to the Mekong. -
Singles Cruise InsuranceComprehensive protection for your ocean cruise adventure. Cover for medical emergencies, cabin confinement, missed ports, trip cancellation, and emergency evacuation—whether you're sailing domestically or internationally. -
Over 50's Cruise InsuranceExpert cover for tropical paradise cruising to Fiji, Vanuatu, New Caledonia, Samoa, and beyond. Protection for medical emergencies in remote islands, evacuation from tropical destinations, missed excursions, and trip cancellation. Affordable premiums for New Zealand's most popular cruise region—get your quote in minutes.
The Unique Risks Solo Cruisers Face
Cruising is one of the fastest-growing holiday types among Kiwis, with thousands sailing domestically and internationally every year. But many travellers don’t realize that cruise holidays carry specific risks that regular travel insurance policies often exclude or inadequately cover.
Medical Emergencies Without Support
When you’re travelling alone and face a medical emergency, you don’t have a partner or family member to assist, make decisions on your behalf, or coordinate care. If you’re incapacitated, who contacts your insurer?
Who communicates with medical staff? Who handles arrangements if you need evacuation? Singles cruise insurance includes enhanced emergency assistance specifically designed for solo travellers, ensuring you have expert support coordinating care when you can’t do it yourself.
Single Supplement Costs
Cruise lines charge single supplements—often 150-200% of the per-person double occupancy rate—because you’re occupying a cabin designed for two. If you need to cancel your cruise, you lose this entire premium investment, not just half. Quality singles cruise insurance covers your full trip cost including single supplements, ensuring complete financial protection for your solo cruise investment.
Cabin Confinement Isolation
Imagine being confined to your cabin alone for 5-7 days due to illness or exposure to infectious disease. No companion to talk to, no one bringing you meals or keeping you company, just isolation in a small space while the cruise continues around you. Singles cruise insurance provides cabin confinement compensation specifically for solo travellers, acknowledging that confinement affects you more significantly when you’re alone.
Emergency Decisions
If you’re seriously ill or injured, someone needs to make medical decisions, handle financial arrangements, and coordinate with insurers and family back home. Without a travel companion, this burden falls to ship’s staff or medical personnel who don’t know you. Our singles cruise insurance includes emergency contact services where our team acts as your advocate, coordinating with medical providers, communicating with your family, and ensuring your wishes are followed.
Higher Personal Risk
Solo travellers are statistically more vulnerable to:
- Theft and pickpocketing (no one watching your belongings especially on shore based excursions)
- Getting lost or disoriented in unfamiliar ports (we’ve been there, done that!)
- Missing ship departure (no companion to ensure you’re back on time)
- Accidents with no immediate help available
- Loneliness or mental health challenges
Comprehensive singles cruise insurance addresses these specific vulnerabilities with appropriate coverage and support.
What Singles Cruise Insurance Covers
Our specialist insurance for solo cruise travellers provides comprehensive protection addressing every aspect of cruising alone.
Unlimited Overseas Medical Expenses
Complete coverage for all medical treatment received onboard the cruise ship or ashore, including:
- Emergency consultations with ship’s doctors
- Medications and prescriptions
- Diagnostic tests and procedures
- Surgery and hospital admissions
- Intensive care if required
- Post-operative care and rehabilitation
Unlike standard policies with capped medical limits, unlimited coverage ensures you’re fully protected regardless of treatment costs—critical when medical care at sea or in foreign countries can cost tens of thousands of dollars.
Emergency Medical Evacuation
If you require medical treatment beyond the ship’s capabilities, evacuation coverage includes:
- Helicopter evacuation from ship to shore
- Air ambulance to nearest adequate medical facility
- Medical escort if you’re unable to travel alone
- Medical repatriation to New Zealand when fit to travel
- Accommodation for medical escort if required
Solo Traveller Emergency Coordination
When you’re travelling alone, our emergency assistance team provides:
- 24/7 support in your medical emergency
- Coordination with ship’s medical staff
- Communication with your family in New Zealand
- Decision-making support if you’re incapacitated
- Financial arrangements and guarantee of payment
- Updates to your emergency contacts
- Translation services if required
This specialized support ensures you’re never truly alone in an emergency. Ity’s simple, quick & easy to get covered at the time you book a cruise. This way your covered if anny issue arises affecting your travel.
Cruise-Specific Coverage for Singles
Cabin Confinement Benefits
If ordered to remain in your cabin due to illness or infectious disease exposure:
- Daily compensation of $150-$250 per 24-hour period
- Enhanced rates for solo travellers recognizing isolation impact
- Coverage for missed shore excursions during confinement
- Compensation for unused onboard facilities
- Meal delivery and basic necessities coverage
Missed Port Departure
If flight delays or other covered events prevent you from boarding:
- Additional transportation costs to join cruise at next port
- Accommodation expenses while catching up to ship
- Meals and incidentals during delay
- Communication costs coordinating with cruise line
- Taxi and ground transport to alternative ports
As a solo traveller, these costs fall entirely on you—our insurance ensures you’re fully covered.
Shore Excursion Protection
Solo travellers often book excursions independently. Coverage includes:
- Pre-booked excursions cancelled due to illness or injury
- Shore excursions missed due to ship schedule changes
- Tours cancelled because ship missed port
- Medical emergencies during excursions
- Emergency transport back to ship if needed
Missed Connection Protection
If you miss embarkation due to:
- light cancellations or delays
- Lost or delayed luggage containing essential medications
- Transport strikes or disruptions
- Personal emergencies requiring delay
Coverage includes all costs to catch up with your cruise, ensuring your solo adventure isn’t derailed by circumstances beyond your control.
Get Your Single Cruise Insurance Quote Now
Comprehensive singles cruise insurance that covers these unique risks plus missed ports, cabin confinement, itinerary changes, and trip cancellations—protecting both your health and your holiday investment.
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.
Types of Cruise Insurance We Offer
We provide specialized singles cruise insurance for every type of voyage and traveller age whether youre on a traditional cruise ship around the Carribean or a River cruise down the Danube we have you covered. There is no need to overpay for cruise insurance you don’t need, let us quote you for the best cruise insurance that suits you.
International Cruise Insurance:-
Comprehensive protection for cruises departing from or visiting international ports including:
Pacific Islands (Fiji, Vanuatu, New Caledonia, Samoa)
Australian ports (Sydney, Melbourne, Brisbane, Tasmania)
Asia (Singapore, Hong Kong, Japan, Thailand)
Caribbean and Americas
Mediterranean and European waters – World river cruises and extended voyages eg: Round The World including positioning cruises.
Key Features:
– Unlimited overseas medical expenses
– Emergency medical evacuation from anywhere in the world
– Pre and post-cruise accommodation if flight delays affect embarkation/disembarkation
– Coverage for all ports of call (must be declared when purchasing)
– Multi-currency support for international claims
– 24/7 multilingual emergency assistance
Domestic Cruise Insurance:-
New Zealand Coastal and Waterway Cruises with essential coverage for cruises within New Zealand waters including:
– Bay of Islands cruises
– Milford Sound and Fiordland voyages
– Cook Strait crossings
– Around-New Zealand coastal cruises
– Inter-island cruise experiences
Why You Need Domestic Cruise Insurance:
Many Kiwis mistakenly believe public healthcare covers them on domestic cruises.
The truth: once your ship enters international waters (which happens even on NZ coastal cruises), public healthcare entitlements cease. Onboard medical treatment becomes entirely your financial responsibility.
Domestic Cruise Cover Includes:
– Onboard medical treatment and emergency evacuation
– Trip cancellation and curtailment
– Luggage and personal effects
– Cabin confinement compensation
– Missed port departure
– Personal liability
– 24/7 emergency assistance within NZ
New Zealand cruise insurance starts from only $89 for a 3-day domestic cruise.
Solo Cruise Travel Safety and Insurance Tips
Cruising alone requires additional awareness and preparation to ensure safe, enjoyable experiences. Solo cruising can also be really rewarding as you are you’re own boss !
Before You Book Your Solo Cruise
Research Solo-Friendly Cruise Lines
- Which lines offer actual single cabins (not double-occupancy)
- Solo traveller meet-ups and social activities
- Single supplement policies and waivers
- Solo-friendly shore excursions
- Safety records and reputation
Calculate True Costs – Include in your budget:
- Base cruise fare – Single supplement (often 150-200% of per-person rate)
- Gratuities and service charges
- Shore excursions (these can really add up and you may also benefit from booking excursions directly as long as timings are based on cruise ship arrival and layover in port)
- Drinks and specialty dining
- Cruise insurance (3-7% of total depending on the type of policy you take out)
- Pre/post accommodation
- Flights and transfers
Verify Cruise Insurance Coverage – Before purchasing policy, confirm:
- Single supplement costs fully covered in cancellation
- Solo traveller emergency assistance included
- Medical evacuation adequate for your cruise region
- Cabin confinement compensation rates
- No discrimination against solo travellers
Remember to check for any travel guidance from the NZ govt travel website
Singles 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 singles 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.
Frequently Asked Questions – Singles Cruise Insurance
Q: Is cruise insurance more expensive for solo travellers?
Not necessarily. Premium is based on your age, health, destination, and trip duration—not whether you’re travelling alone or with others. However, you’re paying the full premium yourself rather than splitting with a companion, so the cost feels higher. The important thing is ensuring your single supplement costs are fully covered in cancellation benefits, as these can be 150-200% of per-person rates.
Q: Do I need different insurance than couples or families?
The core coverage is the same, but solo travellers benefit from enhanced features like solo emergency coordination, enhanced cabin confinement rates, and emergency advocacy when you don’t have a travel companion. We ensure policies include these solo-specific benefits.
Q: What if I meet someone and want to share a cabin?
If you book as a single traveller but later share accommodation, notify your insurer. This usually doesn’t affect coverage, but they should be aware of the change. Your single supplement cancellation coverage may adjust if you’re no longer paying the supplement.
Q: Will insurance cover me if I miss the ship at a port?
If you miss departure due to covered reasons (medical emergency, official shore excursion delay, documented transport issues), yes. If you simply lose track of time or don’t allow sufficient buffer, no. Always return to ship 30-60 minutes before departure time, not at departure time.
Q: What happens if I get seriously ill and there’s no one with me?
This is exactly why solo emergency coordination is crucial. Our 24/7 emergency team becomes your advocate, coordinating with medical staff, making arrangements, communicating with your family, and ensuring you receive proper care. You’re never truly alone with comprehensive singles cruise insurance.
Q: Can I get travel insurance if I’m over 70 and travelling solo?
Absolutely. We specialize in coverage for mature solo travellers and can provide policies for singles up to age 85+. Premiums are higher due to increased medical risk, but comprehensive coverage is definitely available. Many of our clients are retired solo cruisers.
Q: Do I need cruise insurance for domestic New Zealand cruises?
Yes! Even on NZ coastal cruises, ships enter international waters where public healthcare doesn’t apply. You’re personally liable for all onboard medical treatment and emergency evacuation. Domestic cruise insurance is significantly cheaper than international policies but equally essential.
Q: What if I have pre-existing medical conditions and travel alone?
We specialize in covering pre-existing conditions for solo travellers. You’ll need medical clearance from your doctor, honest disclosure of all conditions, and you’ll pay additional premium based on risk assessment. We provide enhanced medical support for solo travellers managing conditions without travel companions.
Q: Can I purchase insurance after I’ve already booked my cruise?
Yes, but purchase as soon as possible after booking. Many benefits (particularly trip cancellation for pre-departure illness) only apply if insurance is purchased within 7-14 days of initial deposit. Don’t delay—get covered immediately after booking.
Q: What’s covered under cabin confinement for singles?
If ordered to your cabin due to illness or infectious disease exposure, you receive daily compensation (typically $150-$250 per 24-hour period) plus reimbursement for missed shore excursions and activities. Some policies offer enhanced rates for solo travellers recognizing the isolation impact.
Q: Will insurance cover if I cancel because I’m nervous about travelling alone?
No. Changing your mind, fear of solo travel, or deciding not to go aren’t covered reasons for cancellation. You can only claim for specific covered events (serious illness, death in family, redundancy, etc.) listed in your policy.
Q: How do I prove I’m travelling alone for insurance purposes?
Your cruise booking showing single occupancy is sufficient proof. When applying for insurance, indicate you’re a single traveller. The policy covers you as a single person—no additional proof required.
Q: Can I add someone to my policy if I find a travel companion later?
Potentially, but it’s easier to start fresh with a couples policy. Contact your insurer if circumstances change. They may allow amendments or recommend purchasing new policy covering both travellers.
Q: What if I join a group cruise but book individually as a single?
You’re still a single traveller for insurance purposes if paying for your own cabin and trip costs. Group cruise insurance usually requires organized group bookings through tour operators, not individuals travelling separately.
Q: Does insurance cover solo traveller meetups and social events onboard?
These are part of your cruise experience and don’t require special insurance coverage. However, if you’re injured during organized activities or excursions, your medical coverage applies.
Q: How quickly are claims processed for solo travellers?
Processing times are the same regardless of solo or coupled status—typically 10-20 business days for straightforward claims. As your broker, we advocate on your behalf to ensure efficient processing and fair assessment.
Q: What if I need emergency cash while cruising alone?
Many policies include emergency cash advance provisions. Contact your insurer’s emergency assistance immediately. They can arrange funds transfer, advance payment guarantees, or other financial assistance when you’re in genuine emergency situations alone.
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Do I really need cruise insurance for a cruise around New Zealand?
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What's the difference between cruise insurance and regular travel insurance?
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How much does cruise insurance cost?
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Will my cruise insurance cover pre-existing medical conditions?
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When should I buy cruise insurance?
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What happens if I need to cancel my cruise?
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Am I covered if I'm confined to my cabin due to illness?
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Does cruise insurance cover medical emergencies onboard?
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What if my flight is delayed and I miss my cruise departure?
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Can I get cruise insurance if I'm over 70 years old?
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Have more questions?
