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Travel Insurance - Get a quick quote



Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021


Annual Travel Insurance


 Annual Insurance

Travelling often? An annual multi-trip policy covers an unlimited number of trips in a year. 

Winter Sports

 Ski Cover

Premium winter sports and ski cover with benefits specific to snow lovers on the slopes.

Covid cover

 Covid Cover

 1Cover policies include overseas medical cover for COVID-19, but not for trip cancellation due to Covid 19. Learn more in our Covid Hub.

Already overseas


 Already overseas

 Travel insurance for New Zealanders who may have forgotten to purchase before their international trip. Get covered now!

 domestic Travel Insurance Domestic Cover

 Whether it’s Wellington or Waitomo, there’s 1Cover’s Domestic Travel Insurance policy which includes rental car excess. 
Cruise Travel Insurance

  Cruise Insurance

 Sail the seas with comprehensive cruise insurance cover that's specific to domestic or international cruises.




The one thing you need
when one thing goes wrong

What does our Travel Insurance Cover?

unlimited overseas Medical assistance

24/7 emergency medical assistance to assist you in stressful circumstances.


If you become ill or need to change your travel plans, we can help. 

Luggage & Belongings

Up to $15,000 luggage and personal effects cover for loss or damage.

Car Rental

 Cover for rental excess fees if your car is damaged/stolen. 

Additional Expenses

If your plans are disrupted because of illness. 

Credit Card Fraud

If you're the victim of common credit card fraud

Personal Liability

Cover for legal liability in some circumstances.



Things don't always go to plan when you travel.

So Get 1Cover Travel Insurance, It's The One Thing You Need... When One thing Goes Wrong.




Two Million Customers And Counting


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) 

Great experience

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) 


travel insurance FAQs 

  • Why can’t I buy overseas travel insurance?
  • 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.

  • Am I covered for cancellation, travel changes or costs incurred due to the Coronavirus (COVID-19)?
  • 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.

  • What Happens If I Get Sick Or Injured Overseas?
  • 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.

  • What Happens If I Need To Cancel My Trip?
  • 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.

  • What Happens if I Miss My Flight Or If The Flight Is Delayed?
  • 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.

  • What Do I Do In The Case Of A Theft?
  • 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.

  • What Sports And Activities Are Covered Under your Policies?
  • 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.

  • do you cover pre-existing medical conditions?
  • 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.

  • What is car Rental Excess?
  • 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. 


need to Make a claim?


If You Only Do One Thing...


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.

The One Thing You Should & Shouldn't Do In New zealand

Milford Sound, Lake Wanaka - sure.
How about our other ideas. 

The One Thing You Should & Shouldn't Do In Sri Lanka

Exotic beaches resorts, tea production yes...but don't head to Sri Lanka without reading our tips. 

The One Thing You Should & Shouldn't Do In the USA

The Big Apple, Hollywood...or not. Maybe you'll be surprised what we suggest to do on your USA adventure.




case study


1Cover Case studies

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.