European Cruise Insurance

Why European Cruise Insurance is Essential for Kiwis

European cruises — whether Mediterranean, Baltic, Norwegian fjords, or Atlantic — are bucket-list experiences for many New Zealanders. But the distance from home means the consequences of being uninsured are severe.

Your NZ Health Insurance Won't Cover You

Your New Zealand health insurance and ACC do not cover medical treatment in Europe or onboard cruise ships. Medical costs in Europe average €1,750 per claim, with hospital stays costing €3,000–€10,000 per day. Medical evacuations from cruise ships can exceed €100,000.

European Medical Cost Reality

Unlike Australia where a reciprocal agreement applies on land (not onboard), there is no such agreement with European countries. Every medical interaction — whether with the ship's doctor or at a European hospital — will be billed at full private rates.

Typical European Medical Costs:

What European Cruise Insurance Covers

Unlimited Medical Expenses

All treatment costs across your European itinerary — onboard and ashore.

Emergency Evacuation

Full evacuation costs from ship or remote European locations.

Medical Repatriation

Air ambulance home to NZ — one of the most valuable benefits for long-haul travellers.