South Pacific Cruise Insurance: Comprehensive Coverage for Pacific Islands Cruises
The South Pacific offers some of the world’s most spectacular cruising—turquoise lagoons in Fiji, volcanic landscapes in Vanuatu, pristine beaches in New Caledonia, lush rainforests in Samoa, and vibrant Polynesian culture throughout Tonga and the Cook Islands. For New Zealand cruisers, the South Pacific is our backyard paradise, with cruises departing from Auckland and Sydney visiting multiple stunning island destinations in one unforgettable voyage.
But while the South Pacific feels close to home, these cruises travel through international waters to foreign countries where comprehensive South Pacific cruise insurance is absolutely essential—not optional.
Our team of experts will provide you with Pacific cruise insurance to suit you.
We Proudly Partner With The Following Insurers;
South Pacific Cruise Insurance : Complete Protection for Your Voyage
As New Zealand’s cruise insurance specialists, we provide comprehensive South Pacific cruise insurance specifically designed for Pacific Islands voyages with unlimited medical coverage in international waters and remote island nations, emergency maritime evacuation from ships in the Pacific Ocean (often hundreds of miles from adequate medical facilities), medical repatriation from the Pacific Islands back to New Zealand ($80,000-$150,000+), cruise-specific protections for tropical destinations, and coverage for unique South Pacific scenarios including cyclone season disruptions, island medical facility limitations, and remote location challenges.
Whether you’re cruising Fiji, Vanuatu, New Caledonia, Samoa, Tonga, Cook Islands, French Polynesia, or multi-island Pacific itineraries, proper South Pacific cruise insurance protects you from catastrophic costs while letting you relax and enjoy paradise.
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River Cruise InsuranceSpecialized 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. -
International CruisingComprehensive 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. -
South Pacific CruisesExpert 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.
Why Pacific Cruise Insurance is Essential for New Zealand Travellers
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.
The Critical Difference Between Cruise Insurance and Standard Travel Insurance
Standard travel insurance policies are designed for land-based holidays. They may not provide adequate coverage for:
**Medical treatment onboard cruise ships** – Even on domestic NZ cruises, once you’re at sea, public healthcare doesn’t apply
**Emergency medical evacuation from ship** – Helicopter or boat evacuation from remote locations can cost $10,000-$50,000+
**Missed port departure** – Flight delays causing you to miss embarkation can leave you stranded
**Cabin confinement** – Quarantine requirements due to illness mean lost holiday time
**Itinerary changes** – Weather or mechanical issues causing missed ports
**Shore excursion cancellations** – Pre-booked tours cancelled due to illness or ship delays
**Onboard incidents** – Slip and fall injuries, food poisoning, and other cruise-specific claims
Real World Costs Without Cruise Insurance
Consider these actual expenses New Zealand cruise travellers have faced:
Medical evacuation from Pacific cruise to Auckland hospital: $47,000
Onboard treatment for heart attack on Australian cruise: $28,000
Missing cruise departure due to flight delay, joining at next port: $3,200
Cabin confinement compensation for 7-day quarantine: $2,100 (with insurance)
Lost excursions and cruise fare due to pre-departure illness: $8,500
These typical costs demonstrate why cruise-specific insurance isn’t optional—it’s essential financial protection. let us quote you, it only takes a few minutes.
Why South Pacific Cruise Insurance is Essential for Pacific Islands Cruises
- ✓ Remote Ocean Locations – Pacific Islands hundreds of miles from advanced medical facilities
- ✓ Unlimited Medical Coverage – No dollar limits on treatment at sea or in island nations
- ✓ Emergency Evacuation from Remote Locations – Helicopter/air ambulance from ships ($50,000-$150,000+)
- ✓ Medical Repatriation to NZ – Air ambulance from Pacific Islands home ($80,000-$150,000+)
- ✓ Limited Island Medical Facilities – Many Pacific Islands lack advanced hospitals requiring evacuation
- ✓ Tropical Disease Coverage – Dengue fever, Zika virus, tropical infections
- ✓ Cyclone Season Protection – Trip cancellation/interruption for tropical storms (Nov-April)
- ✓ Cruise-Specific Benefits – Cabin confinement, missed ports, shore excursions, itinerary changes
Critical South Pacific Cruise Fact: Medical emergencies in the South Pacific are uniquely expensive due to: (1) Ships operating hundreds of miles from advanced medical facilities, (2) Limited island hospital capabilities requiring evacuation to Australia/NZ, (3) Complex logistics coordinating care across multiple nations, (4) Extended air ambulance distances ($80,000-$150,000+ from Fiji, Vanuatu, or French Polynesia to NZ). One serious medical emergency on a South Pacific cruise without proper insurance can cost $150,000-$300,000+ and financially destroy you. Never cruise the Pacific Islands without comprehensive South Pacific cruise insurance.
Understanding South Pacific Cruise Insurance
South Pacific cruise insurance is specialized maritime coverage designed specifically for cruises visiting Pacific Island nations—addressing the unique medical, geographical, and logistical challenges of cruising in this remote tropical region:
What Makes South Pacific Cruises Different (And Why You Need Specialized Insurance)
1. Extreme Remoteness from Advanced Medical Care
The South Pacific’s beauty comes from its isolation—but isolation creates serious medical risk:
- Ships operate 200-800+ nautical miles from major hospitals – Unlike cruises near Australia/NZ where evacuation takes hours, Pacific evacuations can take 8-24+ hours
- Limited island medical facilities – Most Pacific Islands have basic clinics only (no ICU, limited surgery, no advanced cardiac care, no specialized procedures)
- Evacuation distances enormous – Fiji to Auckland: 2,000+ km. Vanuatu to Sydney: 2,500+ km. French Polynesia to NZ: 4,000+ km
- Evacuation costs astronomical – Air ambulance from Fiji to NZ: $80,000-$120,000. From Vanuatu: $100,000-$140,000. From French Polynesia: $120,000-$180,000+
2. Limited Island Hospital Capabilities
Pacific Island medical facilities vary dramatically:
Adequate for Basic Issues:
- Fiji (Suva, Nadi): Reasonable hospitals for straightforward medical issues
- New Caledonia (Nouméa): French hospital system, good quality care
- French Polynesia (Papeete): Decent facilities for moderate emergencies
Very Limited Facilities:
- Vanuatu (Port Vila): Basic hospital, limited surgery, no ICU
- Samoa (Apia): Basic medical care, limited equipment
- Tonga (Nuku’alofa): Very basic hospital, minimal advanced care
- Cook Islands (Rarotonga): Small hospital, limited capabilities
- Smaller islands: Clinics only, no hospital facilities
What This Means for You:
- Serious medical emergencies require evacuation (often to NZ or Australia)
- Even moderate issues may exceed local hospital capabilities
- Stabilization at island hospital + evacuation = $100,000-$200,000+
- Without insurance, you’re personally liable for all costs
3. Complex Multi-Nation Medical Coordination
South Pacific cruises visit multiple countries with different healthcare systems:
- Each nation has different medical standards and costs
- Coordinating care across Fiji, Vanuatu, New Caledonia, etc. is complex
- Language barriers (French in New Caledonia, limited English in some islands)
- Payment expectations vary (some require upfront cash/credit card)
- Insurance coordination with multiple foreign healthcare systems essential
4. Tropical Environment Health Risks
Unique health challenges in Pacific tropical environment:
- Tropical diseases: Dengue fever, Zika virus, chikungunya (mosquito-borne)
- Heat-related illness: Heat stroke, dehydration, heat exhaustion (intense tropical heat + ship activities)
- Water-borne illness: Higher risk in some island locations
- Marine injuries: Coral cuts, jellyfish stings, fish injuries (shore excursions, swimming)
- Sun exposure: Severe sunburn, sun poisoning (intense equatorial sun)
- Food safety variations: Different food handling standards across islands
5. Cyclone Season Risks (November-April)
South Pacific cyclone season creates significant cruise disruption risk:
- Peak season: January-March (most dangerous period)
- Trip cancellation risk: Cyclones can force pre-departure cancellations
- Itinerary changes: Ships avoid cyclone-affected areas (missed islands)
- Trip interruption: Cruises cut short due to approaching storms
- Port closures: Islands shut ports during cyclone warnings
- Extended delays: Ships shelter in safe harbors waiting for cyclones to pass
Insurance Essential: South Pacific cruise insurance provides trip cancellation for cyclones, itinerary change coverage, trip interruption protection, and additional accommodation costs if delayed.
South Pacific Cruise Insurance vs. Generic Travel Insurance
| Feature | Generic Travel Insurance | South Pacific Cruise Insurance |
|---|---|---|
| Medical Coverage | Often capped ($100k-$250k) | ✓ Unlimited |
| Remote Evacuation | Limited/inadequate | ✓ Full Pacific evacuation coverage |
| Air Ambulance from Islands | May have sub-limits | ✓ Unlimited repatriation |
| Cruise-Specific Benefits | Not covered | ✓ Full cruise protections |
| Tropical Disease Coverage | May exclude | ✓ Covered |
| Cyclone Coverage | Limited | ✓ Comprehensive |
| Multi-Nation Coordination | No expertise | ✓ Pacific specialist support |
Critical Difference: Generic travel insurance is designed for land-based travel to major tourist destinations with advanced medical facilities. South Pacific cruise insurance addresses the unique challenges of maritime travel in remote tropical islands with limited medical infrastructure and extreme evacuation distances/costs.
Real South Pacific Cruise Insurance Example
Case Study: Auckland Couple, 14-Day South Pacific Cruise
Itinerary: Auckland → Fiji (Lautoka, Suva) → Vanuatu (Port Vila, Mystery Island) → New Caledonia (Nouméa, Isle of Pines) → Auckland. Couple age 62-65, healthy, first South Pacific cruise.
What Happened: On Day 7, while ship was between Vanuatu and New Caledonia (450 nautical miles from nearest adequate medical facility), husband suffered severe stroke requiring immediate advanced medical care unavailable at sea or at nearby islands.
Costs Incurred:
- Ship’s medical center emergency stabilization (8 hours): $6,800
- Diversion of cruise ship to Port Vila, Vanuatu (nearest port): $12,000 (charged to patient)
- Port Vila Hospital initial treatment (24 hours): $8,400
- Air ambulance with medical team Port Vila → Auckland: $118,000
- Auckland Hospital admission and stroke treatment (private patient – injury occurred international waters): $45,000
- 6-week rehabilitation and recovery: $28,000
- Wife’s emergency flights and accommodation: $3,200
- Unused cruise portion (7 days remaining): $4,800
- TOTAL COST: $226,200
Their South Pacific Cruise Insurance:
- Annual premium: $880 (couple, 14-day Pacific cruise)
- Coverage: Unlimited medical, unlimited evacuation, unlimited repatriation
- Insurance covered: Entire $226,200
- Out-of-pocket: $500 excess only
The Lesson: Without South Pacific cruise insurance, this couple would have been personally liable for $226,200—likely losing their home and retirement savings. Their $880 insurance premium saved them from complete financial ruin. The remoteness of the South Pacific means one medical emergency can easily exceed $200,000-$300,000. Never cruise the South Pacific without comprehensive cruise insurance—the financial risk is simply too catastrophic.
Get Your Pacific Cruise Insurance Quote Now
Comprehensive cruise insurance 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 bespoke cruise insurance policy or wider travel insurance option to cover all eventualities, destinations travellers. Its certainly worth talking to the experts or get a quote online.
What South Pacific Cruise Insurance Covers: Complete Protection for Pacific Islands Cruises
Comprehensive coverage specifically designed for the unique challenges of South Pacific cruising:
1. Unlimited Medical Coverage Throughout South Pacific
The foundation of proper South Pacific cruise insurance—and “unlimited” is absolutely essential given extreme evacuation costs:
Ship Medical Center Treatment (All Pacific Cruises):
- Doctor consultations – All visits to ship’s doctor ($150-$300 each)
- Emergency medications – Treatments dispensed onboard (often limited stock in Pacific routes)
- Diagnostic tests – X-rays, blood tests, ECGs, ultrasounds
- Emergency procedures – Stitches, splints, wound care, stabilization
- IV therapy – Critical for heat stroke, dehydration (common in tropics)
- Medical monitoring – Observation in medical center ($1,500-$3,000/day)
- Specialized tropical treatment – Dengue fever, severe sunburn, marine injuries, heat illness
Pacific Island Hospital Treatment:
If evacuated to hospitals in Fiji, Vanuatu, New Caledonia, or other islands:
- Emergency room treatment – Initial assessment and stabilization ($500-$2,000)
- Hospital admission – Inpatient care at island hospitals ($1,000-$5,000/day depending on island and facility)
- Surgery – Emergency procedures within island hospital capabilities ($5,000-$30,000)
- ICU care – Where available (Fiji, Nouméa) ($3,000-$10,000/day)
- Specialist consultations – Limited availability, often flown in from Australia/NZ
- Extended treatment – Until medically fit for repatriation to NZ
- Language interpretation – French-English translation in New Caledonia, French Polynesia
New Zealand Hospital Treatment (After Repatriation):
When evacuated back to NZ (private patient because emergency occurred international waters):
- Auckland/Wellington/Christchurch hospital admission ($5,000-$20,000+ as private patient)
- Surgery and advanced procedures
- Intensive care and specialized treatment
- Extended recovery and rehabilitation
- All follow-up care until recovery
Why “Unlimited” is Non-Negotiable for South Pacific Cruises:
Typical South Pacific medical emergency costs:
- Ship medical stabilization: $5,000-$15,000
- Island hospital treatment: $10,000-$50,000
- Air ambulance to NZ: $80,000-$180,000 (depending on origin island)
- NZ hospital treatment: $30,000-$100,000+
- Total: $125,000-$345,000+
Travel insurance with $100,000 or $250,000 medical caps is grossly inadequate for South Pacific cruises. One serious medical emergency easily exceeds these limits—leaving you personally liable for $50,000-$150,000+ balance. Always insist on unlimited medical coverage for South Pacific cruise insurance.
2. Emergency Maritime Evacuation from South Pacific
Critical coverage—South Pacific evacuations are among the most expensive in the world due to extreme distances:
Ship-to-Shore Emergency Evacuation:
Scenarios and Costs:
Evacuation to Fiji:
- Helicopter/fixed-wing from ship to Suva or Nadi: $25,000-$60,000
- Distance dependent (ship could be 200-500 nautical miles from Fiji)
- Medical team with emergency equipment
- Coordination with Fiji medical services
Evacuation to Vanuatu:
- Ship to Port Vila: $30,000-$70,000
- Limited facilities may require immediate onward evacuation to Australia/NZ
- Two-stage evacuation often necessary
Evacuation to New Caledonia:
- Ship to Nouméa: $35,000-$75,000
- Better hospital facilities (French system) but still may require Australia/NZ transfer for serious cases
Evacuation Direct to New Zealand/Australia:
- If closest adequate facility is NZ/Australia (not island): $50,000-$100,000+
- Long-distance air ambulance required
- Extended flight times requiring significant medical equipment and team
Medical Repatriation to New Zealand:
Once stabilized at Pacific Island hospital, returning home for ongoing treatment:
Air Ambulance Costs from Pacific Islands:
| From Location | Distance to Auckland | Air Ambulance Cost |
|---|---|---|
| Fiji (Nadi/Suva) | ~2,100 km | $80,000-$120,000 |
| Vanuatu (Port Vila) | ~2,300 km | $90,000-$130,000 |
| New Caledonia (Nouméa) | ~2,000 km | $85,000-$125,000 |
| Samoa (Apia) | ~2,800 km | $100,000-$140,000 |
| Tonga (Nuku’alofa) | ~1,800 km | $75,000-$110,000 |
| French Polynesia (Papeete) | ~4,100 km | $120,000-$180,000 |
| Cook Islands (Rarotonga) | ~3,000 km | $95,000-$135,000 |
What’s Included in Air Ambulance:
- Specialized air ambulance aircraft (often Learjet or similar configured for medical transport)
- Full medical team (doctor, nurse, paramedics)
- Advanced life support equipment
- Cardiac monitoring and intervention capability
- Oxygen and ventilation equipment
- All medications and emergency drugs
- Ground ambulance transfers (both ends)
- Hospital admission coordination in Auckland/Wellington
- Family member accompaniment (economy commercial flight)
3. Trip Cancellation & Interruption
Essential for South Pacific cruises with cyclone season and complex multi-island itineraries:
Trip Cancellation (Before Departure):
Covered Reasons Specific to South Pacific Cruises:
- Medical reasons: Illness, injury, pregnancy complications, pre-existing condition exacerbation (if stable when insured)
- Family emergencies: Death, serious illness of immediate family member
- Cyclone/tropical storm: Named cyclone threatening cruise departure or destinations (November-April most common)
- Natural disaster: Affecting your home (earthquake, flood) or cruise destinations
- Redundancy: Job loss (eligibility requirements apply)
- Terrorism/civil unrest: At cruise ports (some Pacific Islands occasionally affected)
- Infectious disease outbreak: Cruise line cancels or government restrictions prevent travel
What’s Reimbursed:
- Non-refundable cruise fare (full cabin cost)
- Flights to/from Sydney if departing Australia
- Pre/post-cruise accommodation in Auckland/Sydney
- Pre-booked shore excursions in Fiji, Vanuatu, etc.
- Airport parking and transfers
- Travel documents and visa costs
- All prepaid non-refundable expenses
Trip Interruption (During South Pacific Cruise):
Common South Pacific Interruption Scenarios:
- Medical emergency: Must leave cruise for treatment
- Family emergency: Death or hospitalization of immediate family requiring immediate return to NZ
- Cyclone: Cruise cut short due to approaching tropical storm
- Ship mechanical failure: Cruise terminated early (cruise line’s responsibility but insurance may provide additional coverage)
Coverage Includes:
- Unused cruise portion refunded (pro-rata for days not cruised)
- Emergency flights home from any Pacific Island (Fiji, Vanuatu, New Caledonia, etc.) to NZ
- Accommodation if overnight stay required before flying
- Ground transportation from ship to airport
- Traveling companion costs if they must leave with you
4. South Pacific Cruise-Specific Coverage
Cabin Confinement (Higher Risk in Tropics):
Tropical environment increases gastrointestinal illness risk:
- Daily compensation: $150-$250 per 24-hour period confined
- Tropical diseases: Norovirus, food-borne illness, gastroenteritis (more common in tropics)
- Missed island excursions: Refunded for excursions during confinement (Fiji snorkeling, Vanuatu volcano tours, etc.)
- Lost cruise experience: Compensation for inability to enjoy Pacific Islands you traveled to see
Missed Port Departure:
Critical coverage given multiple island stops and potential delays:
South Pacific Scenarios:
- Late return from Fiji shore excursion (traffic, tour delay)
- Medical emergency during Vanuatu excursion requiring treatment
- Flight delays getting to Auckland/Sydney embarkation
- Missed departure due to cyclone-related transport disruptions
Coverage:
- Flights to next Pacific Island to rejoin cruise (e.g., emergency flight Fiji → Vanuatu: $800-$1,500)
- Accommodation in Pacific Islands while catching up
- Ground transportation and transfers
- All costs to rejoin your South Pacific cruise
Shore Excursion Coverage (All Pacific Islands):
Comprehensive protection for island activities:
- Medical emergencies during excursions: Fiji diving accidents, Vanuatu volcano injuries, New Caledonia activity injuries
- Cancelled excursions: Refund if operator cancels due to weather (common during cyclone season)
- Missed excursions: Ship late to port due to rough seas, excursion time lost
- Marine injuries: Coral cuts, jellyfish stings, fish injuries requiring treatment
Itinerary Change Coverage:
Particularly important for South Pacific given cyclone season and weather dependency:
Common South Pacific Itinerary Changes:
- Cyclone avoidance: Ship diverts from planned route to avoid tropical storms (November-April)
- Port closures: Islands close ports due to cyclone warnings
- Weather cancellations: Rough seas prevent tendering to smaller islands (Mystery Island, Isle of Pines)
- Multiple missed ports: Entire islands skipped due to weather/safety
Coverage:
- Pre-booked shore excursions for missed islands refunded
- Significant itinerary changes (50%+ ports cancelled): partial cruise refund
- Compensation if replacement ports significantly inferior
5. Additional Essential Coverage
Baggage & Personal Effects:
- Lost luggage compensation ($3,000-$10,000)
- Damaged luggage repair/replacement
- Stolen belongings from cabin or during island shore excursions
- Delayed baggage essentials (particularly important in tropics—need clothes, sun protection, medications immediately)
- Electronic equipment, cameras, jewelry (sub-limits apply)
Personal Liability:
- $2,000,000-$5,000,000 coverage
- Accidental injury to others (ship or islands)
- Property damage
- Legal expenses if sued
24/7 Emergency Assistance:
- Emergency hotline (accessible from all Pacific Islands)
- Medical coordination across multiple nations (Fiji, Vanuatu, New Caledonia systems)
- Emergency message relay to family in NZ
- Lost luggage tracking
- Emergency cash advances
- Language interpretation support (French, local languages)
South Pacific Cruise Insurance Coverage Summary:
Comprehensive protection specifically designed for Pacific Islands cruising challenges:
- ✓ Unlimited medical coverage (ship, islands, NZ repatriation)
- ✓ Unlimited evacuation from remote Pacific Ocean locations
- ✓ Air ambulance repatriation from all Pacific Islands to NZ ($80,000-$180,000)
- ✓ Trip cancellation including cyclone coverage
- ✓ Tropical disease and heat illness coverage
- ✓ Marine injury protection
- ✓ Cabin confinement compensation
- ✓ Missed port departure (multiple islands)
- ✓ Shore excursion coverage (all Pacific Islands)
- ✓ Itinerary change protection (cyclone season essential)
- ✓ 24/7 multi-nation emergency coordination
Pacific Cruise Insurance for Families:
Comprehensive insurance cover for families cruising together often costing less than individual insurance policies:
Dependent children typically covered at no extra cost (up to 3-4 children under 18-21)
One premium covers entire family unit making it easy to manage
Childcare expense coverage if parent hospitalized
Lost comfort items replacement (favorite toys, blankets)
Supervision coverage if both parents need medical care
Activities and entertainment reimbursement if children confined to cabin
Popular Family Cruise Destinations:
P&O Pacific Explorer (Australia/Pacific Islands)
Royal Caribbean (Various destinations)
Disney Cruise Line (Pacific/International)
Princess Cruises (New Zealand/Australia)
Pricing: From $320 for family of four on 7-day Pacific cruise. Get a quote
Pacific Cruise Insurance for Singles
Solo Traveller Protection that is tailored cruise insurance cover for independent cruise travellers:
Same comprehensive benefits as couples/families
Competitive single supplement pricing
No discrimination against solo travellers
Emergency contact support if you become ill abroad
Single cabin confinement compensation
Pricing: From $145 for solo traveller on 7-day domestic cruise. Get a quote
Pacific Cruise Insurance For Couples
Partner Travel Coverage offering comprehensive dual cover for couples cruising anywhere together:
Both partners covered under one policy
Shared benefits and combined claim limits
Travel companion coverage if one partner needs to cancel
Joint emergency assistance coordination
Better value than two separate policies
Pricing: From $280 for a couple on 7-day Pacific cruise. Get a quote
Pacific Cruise Insurance for Over 50’s and Seniors:
Specialised Senior Cruise Cover – We specialise 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 South Pacific 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.
Cruise Insurance FAQs
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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?
