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!
Sail the seas with comprehensive cruise insurance cover that's specific to domestic or international cruises.
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
1Cover will always be our number one cover for travel insurance...Have used them a few times now and after lodging our first claim for a car incident in Tahiti they were very prompt and no problems what so ever."
- Eddie (October 2019)
Amazing Overseas support
The support when I needed medical assistance was outstanding. The compassionate support and guidance with phone calls and emails was so unexpected but so very reassuring. Thank you all so very very much.
- Dawn (October 2019)
I’ve travelled using 1Cover Travel Insurance a few times now and wouldn’t go with anyone else. Organising insurance was super simple and affordable.
- Loren (October 2019)
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.
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.
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.