Disclaimer

Not a Licensed Insurance Agent

Nothing on this Site constitutes the practice of insurance. We do not hold any insurance license in any US state or jurisdiction. The information we provide about cruise insurance products is general and educational in nature. It is not tailored to your personal financial situation, health status, or travel requirements.

If you require advice on which insurance policy is right for your specific circumstances — including advice about pre-existing medical conditions, coverage for high-value trips, or coverage for specific risks — you should consult a licensed insurance agent or broker in your state.

General Information Only

All content on CruiseCover.net — including guides, comparison tables, provider descriptions, coverage explanations, and blog posts — is provided for general informational purposes only. Coverage limits, premiums, terms, and policy features described on this Site are illustrative examples based on publicly available information and may not reflect the exact terms of any specific policy available to you.

Insurance products, pricing, and availability change frequently. We make reasonable efforts to keep content current, but we cannot guarantee that information is complete or accurate at the time you read it. Always read the full policy document (the Certificate of Insurance or policy wording) provided by the insurer before making any purchase decision.

Not Financial Advice

Nothing on this Site constitutes financial advice, investment advice, or any regulated financial service. The decision to purchase travel insurance or any other financial product is yours alone. We recommend that you consider your personal circumstances, read policy documents carefully, and seek independent advice if needed.

Affiliate Compensation Disclosure

CruiseCover.net may receive affiliate commissions when you click links to insurance providers featured on this Site and subsequently purchase a policy. This commission comes at no additional cost to you. Affiliate relationships may influence which products are prominently featured; however, our editorial assessments, ratings, and comparisons aim to reflect genuine product quality and are not solely determined by affiliate compensation arrangements.

Third-Party Products

All insurance products mentioned or linked to on this Site are provided by licensed third-party insurers. CruiseCover.net is not a party to any insurance contract. Any claim you have under an insurance policy must be submitted to and resolved by the issuing insurer, not CruiseCover.net. We have no involvement in the underwriting, administration, or settlement of insurance policies.

No Warranty

The Site and its content are provided "as is" without warranty of any kind, express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Use of the Site and reliance on its content is entirely at your own risk.

Limitation of Liability

To the maximum extent permitted by law, CruiseCover.net and its operators shall not be liable for any damages of any kind arising from your use of the Site, including reliance on information provided, purchases made through affiliate links, or inability to access the Site.

Questions

If you have questions about this Disclaimer or the nature of our service, contact us at hello@cover4you.co.nz.