Travel Insurance - Important Information

Keeping You Safe Is Our Top Priority

As of 20 March 2020, 1Cover is temporarily ceasing to issue new international and domestic Travel Insurance policies. This is based on the Ministry of Foreign Affairs and Trade (MFAT) travel advice being upgraded to Do Not Travel (Level 4) for all overseas destinations; and government restrictions on non-essential domestic travel.



Travel Alerts: 


"Amazing Overseas Support"
— Dawn Oct 07, 2019

Customer service update

We're really sorry about the wait time our customers are experiencing right now.

When the travel ban and the lockdown first occurred, we took the decision to prioritise customers who were experiencing a medical emergency overseas. We're now focused on processing the unprecedented volume of policy requests from customers.

We're currently working through a large backlog of emails to get you a response. However, to help set expectations, this will take time to get through the large volume of requests, and so you may not get an answer for 2 to 4 weeks. We’re here to help and we’re going to get you sorted. But please be patient with us. 🙏

Our staff are working all hours to get through these enquiries. While we know a delay can be frustrating, we ask that you please extend our staff courtesy and respect when dealing with them.

Thank you for your patience and understanding right now during this challenging time.

For any new enquiries, please message us here

You can also visit our Coronavirus Hub for answers to frequently asked questions.

Many thanks,

The 1Cover Team

Important Coronavirus Information 

Due to the rapidly changing situation regarding the Coronavirus pandemic, it is important to keep abreast of government advice on travel, and to read our in-depth Coronavirus Information Hub so you understand everything about your 1Cover policy and Coronavirus. 



Annual Multi Trip Annual Insurance

Travel often? Save time and money with an annual multi trip policy. One policy covers unlimited trips for a year.

Ski Cover Ski Cover

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

Seniors Cover

Seniors Cover

We offer cover for all ages including those with pre-existing medical conditions.

Student Cover

Student Cover

Student travel can open up the world. But there’s a few things you should remember – including being covered.

Domestic  Domestic Cover

  Our domestic travel insurance has got you covered on your New Zealand holiday. Car rental excess included.

Already Overseas  Already Overseas

  Travel insurance for those who may have forgotten before they left. Get covered for the rest of your trip now!


 Cruise Insurance

  Sail the seas with comprehensive cruise cover that's specific to time at sea.

Group Travel

 Group Travel

  Whether you're a school group, large family, corporate group or a bunch of friends, we've got a policy for you.

One Million Customers And Counting


People in New Zealand Love 1Cover Travel Insurance!
4.3 Overall Rating, Independently Rated 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) 


What does our Travel Insurance Cover?

Our most popular benefits 

unlimited overseas Medical assistance

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

cancellation cover


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 exorbitant 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.

travel insurance FAQs 

  • 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. 


have more questions?


Understanding Travel Insurance

Travel Insurance Guide

travel insurance
buying guide

You can get cheaper travel insurance by tailoring your policy.

This guide on buying cheap travel insurance will tell you everything you need to know. 


Compare Travel Insurance Guide

Travel Insurance

Don't be daunted when you're choosing travel insurance. 

Decide on the right cover for your next trip with the help of the Compare Travel Insurance Guide.



What Activities
Do we cover?

Going scuba diving, bungee-jumping or horse-riding?

Luckily, we cover 100+ activities. So read up before you head off, and have fun with peace of mind!


need to Make a claim?


Do you need to know About...

Pregnancy Travel Insurance 

Congrats! Find out everything you need to know if you're travelling with a baby on the way. 

Pre-existing Conditions

If you've got a pre-existing medical condition, you might need to disclose it. Find out more here. 

not covered 

We cover a lot, but there are some things you need to be aware of. Find out more here.


Bali is beloved for Aussies. Here's what you need to know about travel insurance in Bali. 


Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page