Family Travel Insurance 


Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021


What are the benefits of Family Travel Insurance?

With 1Cover, you can travel with your whole family on one convenient policy. And, whether you’re going overseas, or road tripping around New Zealand, your kids and grandkids (otherwise called ‘dependants’) are covered at no extra cost* on your policy.

Dependant children are classed as under 19 and travelling with their parents or grandparents for their whole trip. Please see the Policy Wording for limits and exclusions, as well as all terms and conditions.

Kids Go Free

Kids Covered
For No Extra

Add your kids & grandkids (ie. your dependants*) to your policy for no additional cost. Only adults are charged on each policy. See the Policy Wording for details. 

Unlimited Trips In One Year

Domestic & international 

Whether you’re travelling around New Zealand or going round the world with your family, we have different policies to suit you and your loved ones.

Unlimited Cancellation

Unlimited Cancellation

You may have to cancel or switch things around at times, and we can cover for cancellation fees or lost deposits.

Rental Vehicle Excess

Extra Accommodation

 If you need to extend or shorten your journey, we can provide up to $50,000. Please see the Policy Wording for details. 

Unlimited Cancellation


  • .You might need emergency alternative transport to make sure you get to important events on time - and this is where we can help. 
Activities Cover

Ski Cover

Going to the snow for skiing fun with the family? Then choose the winter sports add-on to ensure you and your family are properly covered. 

Travel On One Policy

Cruise Cover

 Before you head off on your cruise, make sure you add the Cruise Pack Add-On so that you and the kids are safe and are medically covered while you’re at sea.


Luggage & Personal Effects Cover

Extra Cover for valuables

  • If you're planning to take High Value Items on your family trip, you can choose this add-on when buying your family travel insurance. 


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

*Dependants are classes as children or grandchildren not in full time employment who are under the age of 19 and are travelling with you on your trip. For policies purchased before the 19th Feb 2019, the age of a dependant was defined as 21 and under.

This page was last updated on: 25 February 2020

Table Of Benefits - Family travel Insurance

Decide on what’s the best travel insurance for you and your family. Explore our table of benefits below to compare with other travel insurers. 

Family Travel Insurance - Policy Benefit Comprehensive/ Frequent Traveller
(per adult)

Medical Only
(per adult)


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

$5 million

Domestic Pets^*



Domestic Services^*



Rental Vehicle Insurance Excess#*




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Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise with your family? Even when you’re cruising in New Zealand waters, you won’t be covered for medical costs on board. Make sure you keep you and your family safe with our Cruise Pack. See the Policy Wording for full details.

Winter Sports Pack

Winter Sports Pack

Skiing is a popular family holiday, but snow sports can also be dangerous. If you’re hitting the slopes with the family, you can choose the Winter Sports Pack, which covers winter sports activities such as skiing and snowboarding. See the Policy Wording for full details. 

Rental Car Cover

Additional rental Vehicle Excess

Most of 1Cover’s policies protect you with up to $5000 in rental vehicle excess cover. But if you’re hiring a car to take the family around, you have the option of increasing this cover to $8,000.

Read More

This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the Policy Wording.

Unless otherwise specified in the Policy Wording: 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.


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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

Why do you need Family Travel Insurance? 

Isabella's Story

“They’ve got no can save your life.”

Watch the emotional story of Isabella Eaton, a little girl who travelled to Bali with her parents Tabitha and James.

See how 1Cover were able to help when Isabella nearly died - and why James thinks buying travel insurance is the most important decision you'll make when you go on holiday with your children. 

FAQs About Family Travel Insurance

  • What Is A Dependant?
  • Dependants are your children or grandchildren not in full time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age who requires a single adult policy you will need to contact our customer service centre to discuss your options.

  • Why Do I need a cruise travel insurance for my family holiday?
  • Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the New Zealand Cruise region. This add-on is available with Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more.

  • If my family needs to stay longer overseas, can we extend our policy?
  • Yes, you can apply to extend your policy by either getting in contact with our friendly call centre team or alternatively you can log in to our Policy Manager.

    We advise that you log in to the Policy Manager or contact us as soon as you know you need to extend your policy (ideally 7 days (NZST) before your policy is due to expire), so that we can make sure your extension is guaranteed. Once a policy lapses we are unable to extend it.

  • How much of the holiday do my kids need to be with me for?
  • They need to be with you for 100% of the time to be classed as a dependant for the purposes of a Family policy. 



Do you need to know About...

Medical Questions

Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical related questions here

Going on a cruise?

Going cruising with young kids? Or maybe you’re taking teenagers on the high seas? Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.

Going On A Skiing Holiday?

Going on a Skiing Holiday? Going skiing in JapanNew ZealandAustraliaUSACanada, or Europe? Don’t book without reading this handy guide on where and when to go.

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. 


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