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Travel Insurance

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Is there special travel insurance for cruises?

Travel Insurance

You don't need a specific type of travel insurance for a cruise; however, the comprehensive policies we offer at Gerrards do cover cruise travel. Ensuring you're well protected on your voyage is crucial, and we're here to provide that peace of mind.

Why Do You Need Travel Insurance for a Cruise?

You might wonder why your cruise vacation needs travel insurance. Here are three key reasons:

Medical Emergencies

Access to medical care on a cruise ship can be expensive, and not all standard health policies cover this.

Trip Interruptions

Unforeseen circumstances like bad weather can disrupt your cruise plans.

Lost or Delayed Luggage

The inconvenience of lost luggage can be more acute on a cruise, where replacing items is more challenging.

What Does Cruise Travel Insurance Typically Cover?

Cruise travel insurance covers a range of potential issues that might arise:

  • Medical Coverage: Includes the cost of medical treatment on board and emergency evacuation if necessary.
  • Trip Cancellation or Interruption: If you have to cancel your trip for a covered reason or it gets interrupted, insurance can cover non-refundable expenses.
  • Baggage Loss or Delay: Compensation for lost, stolen, or delayed luggage.
  • Missed Connection: If you miss the boat due to a delayed flight, insurance may help you catch up to your cruise.
  • Onboard Credit Insurance: Some policies offer compensation if you’re confined to your room due to sickness.

How Does Cruise Travel Insurance Work?

When you purchase cruise travel insurance:

  1. Choose a Policy: Select a policy that covers the specifics of cruise travel.
  2. Understand the Coverage: Know what is and isn’t covered by reading the policy details.
  3. Make a Claim: If an issue arises during your cruise, contact your insurer to make a claim according to their process.

What Are the Disadvantages/Advantages of Cruise Travel Insurance?

  • Peace of Mind: Knowing you’re covered for a variety of potential issues can give you peace of mind.
  • Comprehensive Coverage: Cruise-specific policies can cover unique aspects of cruise travel that standard policies might not.
  • Financial Protection: Helps protect against financial loss due to unforeseen events.
  • Cost: Additional insurance is an extra cost on top of your cruise expenses.
  • Complexity: Understanding the different aspects of what’s covered can be complex.
  • Limits on Claims: There may be limits on the amount you can claim for certain items or events.

How Can You Do It Right?

To do it right:

  • Compare Policies: Look at what different policies offer and how they match your specific needs.
  • Read the Fine Print: Be sure you understand the policy details, including coverage limits and exclusions.
  • Purchase Early: Some benefits may only be available if you purchase insurance within a certain timeframe after booking your cruise.

What Are Some Common Misunderstandings About Cruise Travel Insurance?

  • ‘All Policies Are the Same’: Not all travel insurance policies are created equal—cruise travel insurance often has specific inclusions for the unique aspects of cruising.
  • ‘My Health Insurance Will Cover Me’: This isn’t always the case, especially for international cruises.
  • ‘I Won’t Need It’: Unpredictable events can occur, and having insurance is a safeguard.

How Can Gerrards Help?

As a seasoned insurance broker in New Zealand specializing in travel insurance, Gerrards can:

  • Tailor Policies: We provide policies that are comprehensive and cater specifically to the needs of cruise travelers.
  • Expert Advice: Our team can guide you through the process of selecting the right policy and help understand the coverage details.
  • Assistance with Claims: If you need to make a claim, we’re here to assist you every step of the way.


By choosing Gerrards for your cruise travel insurance, you’ll set sail knowing that you’re well-prepared for the voyage ahead.

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