Family Travel Insurance

Going on a holiday with your family or overseas? 1Cover covers dependants and kids at no extra cost when travelling with parents or grandparents. 

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Family Travel Insurance Benefits

Whether you're travelling to a new country or road tripping around New Zealand, your kids and grandkids are are covered at no extra cost* on your policy. Dependant children are classed as under 19 and travelling with their parents or grandparents.  Please see the PDS for limits and exclusions, as well as all terms and conditions.

Kids Go Free

Kids Covered
For No Extra

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

Unlimited Trips In One Year

Domestic & international policies 

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

Having a family means that  you may have to cancel or switch things around at times. We’ve got you covered for cancellation fees or lost deposits.

Rental Vehicle Excess

Additional Accommodation and Expenses 

We provide up to $50,000 cover for those times when things go wrong on a family holiday, and you may need to extend or shorten your journey. Please see the PDS for details. 

Unlimited Cancellation

Alternative 
Transport 

  • Travelling with kids means things just...happen. 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

Family
Ski Cover

Heading to the snow with the family? Then choose the winter sports add-on to ensure you and your family are properly covered during your snow and skiing adventures. 

Travel On One Policy

Family
Cruise Cover

Is this family trip a cruisey kind of holiday? Before you head off, 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

  • Planning to take some valuables on your family trip? It’s so easy for things to go wrong, so we provide extra cover for High Value Items. You can add this to your policy when buying your family travel insurance. 

 

Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that 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.
 

Table Of Benefits - Family travel Insurance

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies for you and your family. 

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

Medical Only
(per adult)

Medical
   

Overseas Emergency Medical Assistance^

Unlimited

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Unlimited

Includes Dental Expenses (per adult)^

$1,000

$500

Resumption Of Journey^*

$3,000

x

Hospital Cash Allowance^*

$5,000

x

Accidental Death*

$25,000

x

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

x

Luggage & Personal Effects Delay Expenses^

$250

x
Cancellation
   

Additional Accommodation & Travel Expenses*

$50,000

x

Includes Family Emergency*

Yes

x

Includes Emergency Companion Cover*

Yes

x

Cancellation Fees & Lost Deposits*

Unlimited

x

Disruption Of Journey*

$2,000

x

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

x

 

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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 - so make sure you keep you and your family safe with our Cruise Pack. See the PDS for full details.

Winter Sports Pack

Winter Sports Pack

Snow sports can be so much fun for the whole family. But they’re also known for being dangerous, so if you’re hitting the slopes with the family, you’ll need to make sure you’re covered. The Winter Sports Pack provides cover for winter sports activities such as skiing and snowboarding. See the  PDS 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 in case your rental car company gives you an extra nasty surprise.

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.

 

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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?
  • We do offer policy extensions, where applicable, you will be issued with a quote for the extended period.

    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.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the PDS.

  • 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. 

 

READ ALL FAQS

 

 

Want to know More about...

Activity Hub

Going SnowboardingSailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.

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. 

 

 

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 468 220

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