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Whether you're travelling to a new country or road tripping around New Zealand, 1Cover Travel Insurance has outstanding travel travel insurance for you and your family at an affordable price. No matter what policy you select, your kids or grandkids are covered for no extra cost (so long as they’re under 21, travelling with you the whole time, and not in full-time employment), meaning you’ll have more spending money for your family trip!
Planning to take some valuables on your trip? We cover up to $15,000 worth of luggage and personal effects for every adult on your policy. All types of families are looked after.
Whether you’re travelling overseas or visiting family or friends within Australia, we have both domestic and international plans to suit you.
We know how important your family is. That is why we have up to $50,000 worth of Family Emergency cover.
Heading to the snow or taking a cruise with the family? Our add-ons ensure you and your family are properly covered during your adventure.
Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.
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 |
|---|---|---|
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* |
$1,000 |
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 |
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 PDS for full details.
If you're hitting the slopes during your holiday 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 PDS for full details.
Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.
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.
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
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.
First time I've had to make a claim. Speed of process was quite unbelievable.
A dependant is an adult traveller's child or grandchild, who is under the age of 21, and who is not in full time employment. 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 that requires a single adult policy you will need to contact the call centre to discuss your options. Whether it’s two adults, multiple adults, or just a single adult travelling, we allow for an unlimited amount of dependants under all policies.
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 Product Disclosure Statement to make sure this product is right for you. If you have any questions please call our friendly call centre on 1300 368 344.
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.
Yes. You must extend your policy before it expires (11.59pm NZST/NZDT). To extend your policy, you simply need to call the call centre on 0800 000 333, email us at [email protected] or speak to a call centre representative via online chat. One of our trained 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
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
The world is a field of cultural differences, and a gesture that’s acceptable in Australia may be highly offensive in another country.
They may seem like a good idea at the time, but these travel items are more pointless than practical.
Taking a family holiday to the USA? Before you do, be sure to read our Ultimate USA Survival Guide.
We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.
We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you.
You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.
Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy.
Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.
Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000.
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.
Policy Manager 
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