Annual Travel Insurance

Do you travel more than once a year? Get up to $50 off Multi Trip Travel Insurance*

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Frequent Traveller
Travel Insurance Benefits

Do you love to travel? Get up to $50 off 1Cover's award winning cover for multi trip Insurance with our Annual Frequent Traveller policy.*  You can take as many trips as you want in one whole year and you'll be covered. 

Our annual multi trip travel insurance policies allow you to enjoy the same amazing benefits as our single-trip comprehensive policies.  To get started, choose an international overseas or domestic policy option.  There are three options, based on the maximum length of any one single trip.

Option 1 - Frequent Traveller 21 Days Maximum 
Ideal for travellers who tend to take shorter trips throughout the year. Each individual trip you take under your policy can be up to 21 days long.

Option 2 - Frequent Traveller 45 Days Maximum
If your trips are generally between 3 to 6 weeks, this is one for you. Each individual trip you take under your policy can be up to 45 days long.

Option 3 - Frequent Traveller 90 Days Maximum 
This is for the traveller who loves to take the big trips! It’s also the most flexible as it gives you more freedom to extend trips and still be covered. Each individual trip you take under your annual policy can be up to 90 days long.

What Next?

1-  Get an instant online insurance quote now, it only takes a few seconds.

2 - Choose your maximum trip duration, our special discount will be applied automatically.

3 - Add any additional cover options such as Ski, Car Rental Excess or Cruise Insurance.

4 - Got pre-existing medical conditions? Our online tool will ask you for a few questions & give you an immediate decsion within in seconds after the quote. Any additional premium loading will be added if the pre-existing conditons are not already automatically covered for free.

1Cover has a special Annual Insurance special offer for all customers.

-Get $50 off all 90 day Frequent Traveller International policies.

-Discount of $25 off* 45 day Frequent Traveller International policies & $20 off* all 21 day Frequent Traveller policies.

-Just travelling in New Zealand? Receive $20* off all Frequent Traveller Domestic policies.

 

Unlimited Medical

Unlimited
Medical

Travel with total peace of mind. If anything goes wrong you've got unlimited emergency assistance and medical cover. 

Unlimited Trips In One Year

Unlimited
Trips

Take as many trips as you want for one whole year and you'll be covered by your annual policy. One booking and you're sorted!  

Unlimited Cancellation

Unlimited Cancellation

If the unexpected happens and plans change, you've got unlimited cover for cancellation fees or lost deposits.

Cost Effective

Cost
Effective

If you travel more than once a year, an annual policy generally works out to be the most cost-effective option.

Kids Travel Free

Kids Cost No Extra

Take lots of family holidays? No worries! Add your kids and grandkids to the annual policy for no additional cost.

Overseas & Domestic Cover

Overseas & Domestic Cover

Annual policies are available for both overseas and domestic travellers. Wherever you go, we’ve got your back.

Travel On One Policy

Travel Under one policy

Add your spouse or partner to your Frequent Traveller policy and ensure you're both covered on your trips through the year.

Three Policies To Choose From

Customise Your Policy

There are three annual policy types to choose from designed to suit different trip lengths, plus a range of optional extras.

Table of Benefits - Annual Travel Insurance

Explore our table of benefits below to see the policy benefits provided by our Frequent Traveller annual travel insurance policies. For full information on our Frequent Traveller annual policies, see the PDS or get an instant quote now

Annual Travel Insurance Policy Benefit OVERSEAS
Frequent Traveller 
(all policies)
DOMESTIC
Frequent Traveller 
(all policies)
Medical
   

Overseas Emergency Medical Assistance^

Unlimited

X

Overseas Emergency Medical & Hospital Expenses^*

Unlimited X

Includes Dental Expenses (per adult)^

$1,000

X

Resumption Of Journey^*

$3,000

X

Hospital Cash Allowance^*

$5,000

X

Accidental Death*

$25,000

$25,000

Permanent Disability^*

$25,000

X

Loss of Income^*

$10,400

X
Luggage
   

Credit Card Fraud & Replacement^

$5,000

X

Includes Travel Documents & Traveller's Cheques^

Yes

X

Theft Of Cash^#

$250

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

$250

X
cancellation
   

Additional Accommodation & Travel Expenses*

$50,000

$50,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$1,000

$1,000

Alternative Transport Expenses^

$5,000

X
ancillary
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

X

Domestic Services^*

$500

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000

 

 

Get a quote

 

Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise? Stay safe and ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. See PDS for full details.

Winter Sports Pack

Winter Sports Pack

If you're hitting the slopes anytime during the year you'll need to add the Winter Sports Pack to your policy to ensure you're covered. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.

Rental Car Cover

Additional Rental Vehicle Excess

Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.

Read More

Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in New Zealand.
# Limits are per policy regardless of persons the claim relates to.

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  •  
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

  • By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

 

FAQs About annual travel Insurance

  • What’s The Difference Between A Frequent Traveller Policy & A Single Trip Policy?
  • Our Frequent Traveller policies covers unlimited journeys over a 12 month period. The maximum duration of cover for any one journey will depend upon which policy option you have selected. You can choose to cover trips that are maximum of 21 days, 45 days, or 90 days. Our Single Trip policies just cover that one single trip that you provide dates for at the time of purchase.  

  • Can More Than One Person Go On A Frequent Traveller Policy?
  • Yes, of course. A Frequent Traveller policy 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.

  • How Do I Renew My Frequent Traveller Annual Policy? 
  • You simply need to call the call centre on 0800 000 333, email us at [email protected]z 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.

  • Do I Need To Tell 1Cover When My Trips Take Place?
  • With a Frequent Traveller 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.

  • Are There Any Age Restrictions On Frequent Traveller Policies?
  • Yes, these policies are only available for customers under the age of 64. Don’t worry if you are 64 and over, we can still cover you on a single-trip basis.

  • How Far Out Can I Book My Frequent Traveller Policy?
  • You can purchase a Frequent Traveller policy up to 6 months before the policy start date.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

 

 

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Where are you Going?


Find out everything you need to know about travel insurance for the following destinations:
 

 

Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Trusted By 1.5 Million People

We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you. 

24/7 Emergency Assistance

You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.

 Kids Are Covered For No Extra Cost 

Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy. 

Local Call
Centre

Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.

Rental Vehicle
Excess

Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000. 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims


0800 367 729

Monday-Friday
8:00 am - 10:00 pm
Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm

 

 

*Terms, conditions, limits and exclusions apply. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. The discount cannot be used in conjunction with any other offer. For full terms & conditions, see www.1cover.co.nz/annual-policy-promotion-terms/.