Once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by New Zealand's publicly funded health and disability services or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by New Zealand's publicly funded health and disability services or your private health care provider when you’re on land for cruise excursions.
However, you can purchase a Cruise Pack to cover you when you’re on a cruise. If you’re taking a cruise within New Zealand waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "New Zealand Cruise" as the destination/region. You can find out more about choosing your cruise region here.