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Direct Travel Insurance

Buy Travel Insurance direct from online travel insurance specialist & compare the insurance quote vs travel agent insurance.

Before you buy,
please read our travel alerts.
"I’ve used 1Cover for all my travel insurance for the past few years. They are the best value for money and so amazing to deal with. ..."
— Jaki R, Auckland

Direct Travel Insurance Benefits

We do not pay travel agent's commission to sell our travel insurance so we pass on the savings to our customers with quality travel insurance policies and lower costs. Buy your Travel Insurance direct as we offer medical only, comprehensive international travel insurance as well as annual multi-trip policies for frequent travellers who take multiple overseas trips per year.

If you have just booked your travel via travel agents like Flight Centre NZ, Webjet, House Of Travel , Hello World and many more, think about taking out Travel Insurance straight away to ensure you are covered for cancellation costs immediately. Purchasing your travel insurance direct from 1Cover is quick and easy and can be set up in a couple of minutes. Travelling soon?, hurry go and compare your travel insurance now and get a cheap online quote from 1Cover. 

Unlimited Medical

Unlimited
Medical

Peace of mind when overseas. Even with our Medical Only policy we offer unlimited medical cover. 

Unlimited Trips In One Year

Long-term Cover
Trips

Relax and take a long break. We offer comprehensive cover for overseas trips that are up to 12 months long.

Kids Travel

cover for dependants 

Travelling with your kids or grandkids? No worries; dependants can be covered under your policy

Range Of Policies To Choose From

Range of
Policy Types

Get the cover to suit you. Choose from Medical Only, Comprehensive or Frequent Traveller plans.

Rental Car Excess

Rental Car Excess 

Hire a rental car and purchase cover, so the excess is covered if the car is stolen, damaged or in an accident.

Overseas & Domestic Cover

Overseas & Domestic Cover

As well as providing cover for overseas travel, we also cover your domestic trips. 

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 - 1Cover Travel Insurance

 

Table of benefits

Our travel insurance provides cover for emergency medical, adventure activities, personal liability and more. Explore our Table Of Benefits to see all the cover provided.

Table Of Benefits

PDS

Read the full policy wording in our Policy Wording for more details including full terms and conditions, limits and exclusions that apply.

Policy Wording

 

Get a quote

 

Optional Coverage

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 Policy Wording for full details.

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 Policy Wording for full details.

Rental Vehicle Excess

1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.

Get a quote

 

We've Already Helped
Millions of Customers

We’ve already helped millions of customers

4.3 from 1269 reviews Compare Travel Insurance NZ
"Reliable, efficient and comprehensive"

I have exclusively used 1Cover for travel insurance over the past 8 years, travelling extensively across 48 countries across 5 continents. I have consistently found their services to be reliable, efficient and comprehensive. I can’t recommend them highly enough. Thank you for your exceptional service.

Maryna M, September 2025

"I highly recommend 1Cover"

I had to postpone my flight overseas as I’d had an unexpected injury. I made another booking and had a change of date fee by the airlines. I submitted a claim to 1Cover and the whole claim was processed quickly and efficiently after I submitted the requested documents. I have travelled previously and also used 1Cover for my insurance even though I never had to make a claim however their policy for an elderly person was much more reasonable than other companies. I highly recommend 1Cover

Jenny M, September 2025

"Excellent service, brilliant communication"

The claim process was really easy, done online, 1Cover kept us up to date. Excellent service, brilliant communication. We will continue to use 1Cover

Bob O, August 2025

"Always Use 1Cover - Outstanding Service"

Hubby had an unexpected heart attack whilst in Los Angeles recently and was in hospital for a week. On top of that we couldn’t go home for another week until he got clearance to travel. The extra accommodation, food, car hire, Uber, flight expenses and medical costs were tens of thousands. 1Cover covered it all. Also, the telephone and email support I got whilst there and since we got home was amazing. Thanks 1Cover, highly recommended.

Deb D, August 2025

"Customer for life"

This is the first time I have had to submit a claim for travel insurance, I had to cancel a large portion of my trip due a death in the family. They made this so easy to deal with while having so many other things going on. Customer for life for sure.

Angela F, September 2025

FAQs About Direct travel Insurance

  • What Are The Benefits Of Having Travel Insurance For My Trip?
  • When you travel it's all about the new and unknown which unfortunately means you never know what could go wrong. Things like medical emergencies while overseas could cost $50,000+, and then there's lost luggage, stolen belongings and delayed flights which are more expenses on top of an already costly holiday.
    Travel is unpredictable and travel insurance is there to help provide you peace of mind that when the unexpected happens, we'll be there to help out. We advise you to read the Policy Wording to make sure this product is right for you.

  • Can I Apply To extend My Travel Insurance Policy? 
  • Yes, you simply need to use the onlne policy manager, or email us at [email protected] or speak to a call centre representative via online chat. One of our travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. And you'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available.

  • 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.

 

 

Do you need to know About...

Long Term Travel Insurance

You’re going overseas for a good time AND a long time. 1Cover offers long-term travel insurance which can cover you for up to 12 months abroad - and you can extend if you need to. Find out more. 

Ski Guide

And if you want some insider advice the best places to go skiing, look no further than our in-depth Guide to Your Best Skiing holiday

Pre-Existing medical Conditions

A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.

What travel insurance covers 

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not. 

 

Going Bungee Jumping, Sailing, or motorbiking?

 

Where are you Going?


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

 

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