Before you buy, please read our travel alerts.
Travelling often? An annual multi-trip policy covers an unlimited number of trips in a year.
Premium winter sports and ski cover with benefits specific to snow lovers on the slopes.
1Cover policies include overseas medical cover for COVID-19, but not for trip cancellation due to Covid 19. Learn more in our Covid Hub.
Travel insurance for New Zealanders who may have forgotten to purchase before their international trip. Get covered now!
Whether it’s Wellington or Waitomo, there’s 1Cover’s Domestic Travel Insurance policy which includes rental car excess.
Sail the seas with comprehensive cruise insurance cover that's specific to domestic or international cruises.
24/7 emergency medical assistance to assist you in stressful circumstances.
So Get 1Cover Travel Insurance, It's The One Thing You Need... When One thing Goes Wrong.
4.3 Overall Rating On Compare Travel Insurance
"Thank you for making a horrendous time truly easy! The process, care and professionalism of our claim was the best. In our 72 years, we have never had a Travel Claim, We will be sure to recommend you to all our friends."
Kenneth Murray and Angela Murray. May 24
"1Cover has been great over the last few claims I've made. I have 5 more international trips coming up this year and I look forward to using 1Cover again."
Kevin Cheng, March 24
“We will always use 1Cover from now on - outstanding service, great experience (apart from the torn ACL). Huge thanks to our emergency case manger. Outstanding!!”
Matthew Noblet, June 24
Your health and safety are our top priority. Due to COVID-19, and the travel restrictions imposed by the New Zealand Government, 1Cover made the difficult decision to temporarily pause issuing new international travel insurance policies. We remain committed to providing cover in the future and continue to closely monitor the easing of travel restrictions.
If you are travelling however, and want to extend your policy, in most cases this will be possible. You can visit our Policy Manager to start the process.
With New Zealand now at Alert Level 1, we’re excited that everyone can return without restriction to work, school, sports and importantly, domestic travel. We’re pleased to be offering domestic travel insurance for your next staycation.
No, there is no cover for claims related to COVID-19 regardless of when travel was booked or when you purchased your policy.
All 1Cover policies have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. Some travel service providers may offer refunds or penalty-free options to change travel arrangements.
Learn more about cover for pandemics and how to recover your costs.
1Cover offer Emergency Medical Assistance anywhere in the world, 24 hours a day, 365 days per year. If you’re sick or injured, we advise that you or a member of your travelling party call our medical assistance team as soon as possible.
For minor ailments, such as those that only require a GP visit, you may choose to visit a doctor, pay for your visit upfront, and then submit your claim either from overseas or once you return home. Make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.
Yes, if your policy hasn’t yet expired, you can extend your policy via the Policy Manager. If you log in and aren’t able to extend for some reason, you can get in contact with our friendly call centre.
If you need to cancel your trip, notify any travel providers (airlines, accomodation, tour providers, etc) of your intention to cancel.
Make sure you check whether your travel providers will refund you. Sometimes, they will return deposits, fares, etc., depending on when you cancel and what your original contract states.
If you aren’t reimbursed, then check certificate of insurance and the Policy Wording to see whether your circumstances are covered.
Once you have done this, and you intend to claim, you’ll need to obtain and supply confirmations, refund advices, and terms and conditions. We request these for lodgement of your claim.
In the first instance, you should contact the airline to see if any alternate arrangement can be made or any compensation may be offered. Please retain any documentation provided by the airline or receipts for any out of pocket costs which you may incur as a result of the delay or cancellation should you need to submit a claim.
A theft while you’re away is incredibly unsettling, but to substantiate your claim, you’ll need to report the theft to the police or nearest local authority within 24 hours of the incident and obtain a written report that can to be used as supporting documents.
Make sure that the police report you obtain is an official one, and that all the items that have been stolen are clearly detailed. You’ll also need to capture the circumstances surrounding the event. Remember, the more information on the report, the better.
When you submit your claim, you’ll also need to provide proof of purchase and/or ownership in relation to the stolen items.
We provide cover for a whole heap of sports and activities from Abseiling to Zorbing, automatically without any additional premium, check out our activities page for more details. If you’re hitting the slopes for an adventure in the snow you will need to pay an additional premium for our Winter Sports Pack.
We have a whole list of pre-existing medical conditions that we automatically cover under our policies without assessment or additional charge, provided you meet some conditions. Find out what you need to know here.
If your rental car is damaged or stolen while you're on holiday, you could be up for some serious costs because of rental car excess. We cover you automatically under most of our policies. Find out what you need to know here.
Our feature travel writer Ben Groundwater gives his tips so you don't miss out on the One thing you must do on your holidays.
Milford Sound, Lake Wanaka - sure.
How about our other ideas.
Exotic beaches resorts, tea production yes...but don't head to Sri Lanka without reading our tips.
The Big Apple, Hollywood...or not. Maybe you'll be surprised what we suggest to do on your USA adventure.
Alicia was skiing in Canada when her trip quickly turned downhill after a terrifying accident on the slopes left her with a fractured back.
Thankfully Alicia had Ski Insurance with 1Cover which covered her emergency evacuation off the slopes as well as loss of income which helped while she was off work recovering for five months.
Read all about Alicia's experience and other 1Cover case studies highlighting the importance of insurance when you travel.