Annual Travel Insurance
Are you a frequent traveller? You could save money with our Annual Multi Trip policy. Get covered for an unlimited number of 90 day trips for a whole year.
Winner "Outstanding Value International Travel Insurance" Award 
Annual Multi Trip Features & Benefits
Our Multi Trip policy covers unlimited journeys over a 12 month period.
We give you the same coverage as our comprehensive international and domestic plans, meaning you get full coverage for less. Each individual trip can be up to 90 days long. Please note that this policy is only available for customers under the age of 64. Don’t worry if you are 64+ years we can still cover you on a single trip basis.
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Save money and go on holiday as often as you like. We cover unlimited number of trips.
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Relax and take a long break. Each individual trip can be up to 90 days long.
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Get covered in New Zealand and Overseas. We have Domestic and international plans available.
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Cover to suit all ages. Annual policies available up to age of 64. We can still cover 64+ with our single policies.
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Take your partner, take the family. Why not get cover for you and the family with our family policies.
Dependants covered at no additional cost.
Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.
More About Annual Travel Insurance
FAQs About Annual Multi Trip Cover
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What’s The Difference Between An Annual Policy & A Single Trip Policy?
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Our Multi Trip policy covers unlimited journeys over a 12 month period. Each individual trip can be up to 90 days long. Our Single Trip policies just cover that one single trip that you provide dates for at the time of purchase.
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Can I Buy A Family Annual Policy?
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Yes of course. A Family annual plan covers you and the members of your family who go with you on your journey and are listed as covered on your Certificate of Insurance. The only members of your family who can be included are your spouse and your
dependants .
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How Do I Renew My Annual Trip Policy?
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You simply need to call the call centre on 0800 000 333 email us at [email protected] or speak to a call centre representative via online chat. One of our trained call centre staff members will assist you in the policy renewal. We will also send you reminder emails when your annual policy is due to be renewed and you can also do the renewal online. Please note there may be instances where a policy renewal is not available.
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Do I Need To Tell 1Cover When My Trips Take Place?
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With an Annual Policy you don't need to tell us when you're travelling, or where you’re going and you don't need to book your insurance every time you take a trip.
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What Happens If I Come Home Early?
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Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
A complete list of FAQS.
Table of Benefits - Annual Travel Insurance
Explore our table of benefits below to see all the cover provided by our annual travel insurance policies.
| Key Benefits | Overseas | Domestic |
|---|---|---|
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Overseas Emergency Medical Assistance Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees. |
Unlimited | |
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Overseas Emergency Medical & Hospital Expenses Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing. Includes Dental Expenses (Per Person) Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. |
Unlimited*
$1000* |
|
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Luggage & Personal Effects Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer. |
$15,000* | $15,000 |
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Cancellation Fees & Lost Deposits Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters. |
Unlimited* | Unlimited |
|
Rental Vehicle Excess Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so. |
$5,000* | $5,000 |
Medical Benefits
| Medical Benefits | Overseas | Domestic |
|---|---|---|
|
Additional Accommodation & Travel Expenses Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas). Includes Family Emergency Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation. Includes Emergency Companion Cover Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness. |
$50,000* | $50,000 |
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Resumption of Journey Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours. |
$3,000 | |
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Hospital Cash Allowance An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas. |
$5,000 | |
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Accidental Death A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury. |
$25,000 | $25,000 |
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Permanent Disability A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey. |
$25,000 | |
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Loss of Income A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to New Zealand. |
$10,400 |
Luggage Benefits
| Luggage Benefits | Overseas | Domestic |
|---|---|---|
|
Credit Card Fraud & Replacement Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use. Includes Travel Documents & Traveller's Cheques Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey. |
$5,000* | |
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Theft of Cash Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders. |
$250 | |
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Luggage & Personal Effects Delay Expenses Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. |
$250 |
Cancellation Benefits
| Cancellation Benefits | Overseas | Domestic |
|---|---|---|
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Disruption of Journey Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. |
$1,000 | $1,000 |
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Alternative Transport Expenses Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. |
$5,000 |
Ancillary Benefits
| Ancillary Benefits | Overseas | Domestic |
|---|---|---|
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Personal Liability
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a |
$5 million* | $5 million |
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Domestic Pets Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away. |
$500 | |
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Domestic Services Cover for house keeping services following injury/disablement continuing upon your return home. |
$500 |
* $100 excess payable
Further Reading
Single Traveller Advice
Got the travel bug? Travel often for business? Or maybe you've got far-away family you love to visit? Check out our single traveller advice and tips.
Worldwide Trips
Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.
Long Term Travel Insurance
Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.
What Is Covered?
Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.
Why Choose 1Cover Travel Insurance?
Pre-Existing Medical Cover
We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.
One Million Customers
We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.
Local Call Centre
Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.
Rental Car Excess
Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.
Coverage For The Family
Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our single and family policies.
24 Hour Emergency Help
You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.
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