FAQs
Please click on a question below to see the answer:
- Why is 1Cover Travel Insurance so much cheaper than any other quote I have received?
- How do I get my 1Cover Travel Insurance policy?
- When can I buy my insurance policy?
- What do I receive as confirmation that I am covered?
- How long does it take to apply for cover?
- When should I take out my policy?
- How do I pay if I do not have a credit card?
- Where is your office exactly?
- How do I contact you from overseas?
- Why are Japan, Hong Kong and China not included in your Asia category?
- Don't know what area the country I am visiting comes under?
- What does a duo mean?
- Do you have to be related to travel as a duo?
- What is a dependent?
- What cover do I receive for luggage and personal effects?
- What is 'Rental Vehicle Excess' cover?
- Will you fly me home if I fall sick overseas?
- What happens in the event of a terrorist attack?
- I have applied for a policy but I have not yet received it via email?
- I am having a stopover outside my selected destination. Is this covered?
- Can I pay by bank transfer or cheque?
1. Why is 1Cover Travel Insurance so much cheaper than another quote I have received?
For starters, we only sell directly to the public. Because we do not sell through Travel Agents you do not have to pay them commissions of up to 50% on your policy. Because you buy online and your policy is delivered instantly via email, our overheads are also lower. This means we can pass those savings on to you, so our prices are lower.2. How do I get my 1Cover Travel Insurance policy?
Your policy is generated instantly after your payment is processed. You will receive an email immediately with your Certificate of Insurance and Policy Documents attached. You are covered for cancellation from this moment and the rest of your cover starts on your date of departure.Our policies can be purchased on the Internet or telephone.
3. When can I buy my insurance policy?
You may purchase a travel insurance policy any time before you depart. You can call us from the airport if you haven't yet left the country. You can call us from NZ, Mon-Fri 8.30am-9pm Sat 11am-6pm Sun 12pm-6pm.You can buy a policy online 24 hours a day, 365 days a year and get immediate cover.
4. What do I receive as confirmation that I am covered?
Once you have taken travel insurance with us we issue you with a certificate of travel insurance. This is automatically emailed to you, faxed or posted in the mail.5. How long does it take to apply for cover?
If you apply online or over the telephone and pay using your credit card then it only takes 5 minutes to be covered.If you are making a direct deposit into our account or are paying by cheque then we need to wait until we have confirmation of your payment before we can issue you with travel insurance.
6. When should I take out my policy?
As soon as you pay for a 1Cover policy, you will be covered for cancellation fees and lost deposits should you have to cancel your trip. Your actual policy will not begin until the day of your departure, but the cancellation cover will take effect immediately.For this reason, we recommend you take out cover as soon as possible. It will not alter the premium no matter how early you apply.
If you are applying for Pre-Existing Medical cover you should allow approximately 24 hours. If you do not have access to email please allow time for postage.
7. How do I pay if I do not have a credit card?
There are two other ways you can pay if you do not have a credit card:1) You can ask for one of our cash payments forms which you can fill in and send back to us with a cheque.
2) You can make a direct deposit into our bank account by visiting the bank or using online net banking.
8. Where is your office exactly?
Our New Zealand Office is in Auckland. Our address is:1Cover NZ Ltd.
11B / 17 Albert Street
Auckland 1010
New Zealand
Mon-Fri 8.30am-9pm
Sat 11am-6pm
Sun 12pm-6pm
9. How do I contact you from overseas?
Once you have purchased travel insurance with us, we issue you with a certificate of travel insurance. On this certificate is our 24 hour emergency number which you can call at anytime.Our Sales Department is also on this certificate and can be contacted during opening hours.
24 Hour Emergency Assistance (+) 800 7997 9000
(The + represents the dialing out code from whatever country you are in)
Reverse Charge Number (+) 61 7 3305 7432
(You need to call the International Operator to be put through to this number)
Sales Department (+) 61 9 927 3800
(Between the hours of 8am – 8pm New Zealand Standard Time)
10. Why are Japan, Hong Kong and China not included in the Asia category?
The countries listed are seen as a higher risk category than other countries in Asia and have therefore been attributed a higher premium. You must choose the Worldwide destination if you are visiting any of these countries.11. Don't know what area the country I am visiting comes under?
If you are unsure of what category your destination comes under then please use our destination finder.12. What does a duo mean?
A duo is two people who will be travelling together for at least 75% of the time.
13. Do you have to be related to travel as a duo?
No, you don’t need to be related to travel as a duo. You can travel with your partner or even just a mate.14. What is a dependent?
Dependants are your children or grandchildren not in full time employment, who are under the age of 21. In order to be classed as a Dependant, the child must be travelling with their parent or grandparent at all times.If there are two adults travelling, we allow for an unlimited amount of Dependants on the policy, and they will travel free under Single or Family policies (there is no cover for Dependants under Group policies).
15. What cover do I receive for luggage and personal effects?
On the standard comprehensive policy, (Plan A) you would receive $5,000 worth of cover for luggage and personal effects. Within this allowance, there is $3,000 allocated for a computer, camera, or video recorder.For other baggage, the maximum we will pay is $750 per item until you reach the $5,000 limit. If you need to purchase additional cover, you can do so by paying extra on the standard premium.
There is no luggage cover on the Budget policy (Plan C) and there is a limit of $2,000 worth of luggage cover on the essentials package.
On all other policies the limit is $5,000 per person and $10,000 per family.
16. What is ‘Rental Vehicle Excess’ cover?
On the comprehensive policy we cover for $5,000 for Rental Vehicle Excess.This means that if you hire a car whilst you are away and have an accident, we will pay up to $5,000 of the excess charged by the rental vehicle company, even if you were responsible for the accident. We will also cover for theft of the car.
Most hire companies will give you the option of paying a daily fee to reduce the excess they charge. If you take a 1Cover policy you need not pay this fee, since we will pay the excess they charge you.
Please note that Rental Vehicle Excess cover is only available on Plans A, D, E, F, G and H.
17. Will you fly me home if I fall sick overseas?
If you become seriously ill or injured overseas, we will cover the cost for your medical transfer or evacuation, so long as this is approved by Allianz Global Assistance.We will also pay for the return of your dependent children to New Zealand if they are left unsupervised following your hospitalisation or evacuation.
18. What happens in the event of a terrorist attack?
In the event of a terrorist attack we do not cover you for your cancellation fees and lost deposits. However, if you are overseas and there is a terrorist attack we will cover all necessary medical/hospital expenses, emergency medical assistance and additional accommodation and travel expenses. This is includes bringing you home.19. I have applied for a policy but I have not yet received it via email?
Whether your policy is purchased over the phone or over the internet, the certificate of insurance will be emailed to you instantly. If you have not received the policy within in an hour of purchasing, check that it has not gone directly to junk mail.If you still have not received the policy, please call us on 0800 000 333. There may be an error in the email address which our sales consultants can rectify.
