The Life Flight Westpac Rescue Helicopter used night vision googles to reach the moving ship before a medic and gear were winched to the deck to stabilise the woman and winch her up.
Helicopter crewman Mike Beausoleil described the night-time winch a challenging mission as the helicopter hovered over the large cruise ship in the dead of night.
"I would call it one of the most challenging winch scenarios I've done because it was at night over water on a moving vessel."
He said fortunately conditions were good after gale-force winds pounded the region earlier in the day.
The injured passenger was flown to Wellington Regional Hospital.
A district health board spokesman said she was in a stable condition.