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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.
2025 Canstar International Travel Insurance Award
2025 Canstar Senior Travel Insurance Award

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 add-ons.

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

 

Add-On Cover

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.

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We've Already Helped
Millions of Customers

We’ve already helped millions of customers

4.3 from 1275 reviews Compare Travel Insurance NZ
"Happy with the amazing service"

Had the need to claim on our travel insurance and am extremely pleased and happy with the amazing service received. The process to claim was easy, very efficient and so quick! I was also kept up to date every step of the way. Thank you 1Cover

Jacqueline, September 2026

*Photos for illustrative purposes only

"Highly Recommend"

Very happy with 1Cover travel insurance, convenient to organise online, and add in health conditions if required, drop-down boxes helpful to find out additional information regarding cover for things like Whitewater rafting etc. Highly recommend.

Helen, September 2026

*Photos for illustrative purposes only

"1Cover for all our needs"

Very happy with the price of our insurance cover to South Africa. The online process was quick and easy to complete. We have used 1 Cover for all our needs for all our overseas trips to Alaska, Canada, Peru, Chile and all around Europe. We highly recommend 1 Cover Travel Insurance.

Anne, September 2026

*Photos for illustrative purposes only

"1Cover are great"

1Cover are great fast easy and reasonable prices. Highly recommend. Thank you

Clair, September 2026

*Photos for illustrative purposes only

"Best value for the cover offered"

Best value for the cover offered. I needed a high level of cover incase of cancellation and this was offered at a reasonable price.

Janet, September 2026

*Photos for illustrative purposes only

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:
 

 

Why Choose 1Cover Travel Insurance?

Medical Conditions Cover

We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.

Trusted By Millions

We’ve covered millions of travellers and their holiday adventures worldwide. Here’s what our customers have to say.

24/7 Emergency Assistance

Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.

 Fast Claims Service

We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.

Customer Service Excellence

Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.

Award winning Insurance

We’re recognised with awards for exceptional products and service by industry experts Canstar.

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.