Annual Travel Insurance

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Annual Multi Trip Features & Benefits

Our Frequent Traveller policies cover you for unlimited journeys over a 12-month period. There are three types of Frequent Traveller policies for you to choose from, so you can choose the travel insurance policy that best suits your needs. The maximum duration allowed for any one journey will depend upon which policy option you select. You can choose from:

Frequent Traveller 21 Days Maximum
Each individual trip can be up to 21 days long.

Frequent Traveller 45 Days Maximum
Each individual trip can be up to 45 days long


Frequent Traveller 90 Days Maximum
Each individual trip can be up to 90 days long


Frequent Traveller Policy Features & Benefits

  • Save money and go on holidays as often as you like. We cover unlimited number of trips.

  • Relax and take a long break. Each individual trip can be 21, 45 or 90 days long.

  • Get covered in New Zealand and Overseas. We have domestic and international plans available.

  • Frequent Traveller policies are available  for travellers up to the age of 64. Over 64? That's ok - we can still cover you on our single policies.

  • Add your partner or your family to the Frequent Traveller policy. Dependants are 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.



FAQs About Annual Multi Trip Cover

  • 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], or jump online and speak to our online chat team. One of our trained Call Centre consultants 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 the dates stated on your policy. There are no refunds should you come home earlier than planned.

Frequent Traveller Winter Sports Pack FAQS 

  • If I ski for 5 days, can I use the remaining 16 days for another trip?
  • Yes, your 21 days can be split as you like throughout the year.

  • If I have purchased a frequent traveller policy for 2 adults, can we ski for 21 days per adult?
  • The Winter Sports Pack applies per policy, not per person, so you will be covered for 21 days skiing in total, not each.

  • 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.


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 overseas Frequent Traveller insurance policies.

Policy Benefit Frequent Traveller



Overseas Emergency Medical Assistance


Overseas Emergency Medical & Hospital Expenses


Includes Dental Expenses (per adult)


Resumption Of Journey


Hospital Cash Allowance


Accidental Death


Permanent Disability


Loss of Income




Credit Card Fraud & Replacement


Includes Travel Documents & Traveller's Cheques


Theft Of Cash


Luggage & Personal Effects


Luggage & Personal Effects Delay Expenses




Additional Accommodation & Travel Expenses


Includes Family Emergency


Includes Emergency Companion Cover


Cancellation Fees & Lost Deposits


Disruption Of Journey


Alternative Transport Expenses




Personal Liability

$5 million

Domestic Pets


Domestic Services


Rental Vehicle Insurance Excess




Additional Coverage

Winter Sports

Winter Sports Pack

Cover for participating in winter sports activities including emergency rescue, piste closure, snow ski equipment hire and more.

Cruise Pack

Cruise Pack

Extra cruise related cover including pre-paid shore excursion cancellation, missed cruise departure, formal attire cover and more. 

Cruise Pack

Additional Rental Vehicle Excess

Additional cover for rental vehicles with an excess of up to $8,000. 


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.

Single Travel Advice

Worldwide Trips

Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.


Worldwide Trips

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.

Long Term 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.


What Is Covered?




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 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.