Travel Insurance for your whole family under one policy whether you’re going overseas or travelling around New Zealand.
Buy an Adventure & Sports Pack to get covered for a heap of activities to entertain your kids on your action-packed holiday.
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.
You may have to cancel or switch things around at times, and we can cover for cancellation fees or lost deposits.
If you need to extend or shorten your journey, we can provide cover. Please see the Policy Wording for details.
Going for a family snow trip? You need to add 1Cover’s ski-pack to be protected on the slopes.
If you’re taking a cruise, you need to add the cruise to be adequately covered while out at sea
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.
“They’ve got no idea..it 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.
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 Benefits | Comprehensive / Frequent Traveller | Medical Only | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | unlimited |
| Dental Expenses | O | $1,000 | $1,000 |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | O | $25,000 | $25,000 |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | - |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | - |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Pre-Departure Amendments to Journey | A | $2,000 | - |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | - |
| Travel Delay Expenses | S | $2,000 | - |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | - |
| Domestic Services | SO | $500 | - |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in New Zealand. |
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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 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.
If you’re on a long-term trip and you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details.
If you’re on an exciting, adventure trip, you need to add the Sports & Adventure Pack to your policy to ensure you’re covered. See PDS for full details.
Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.
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.
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical related questions here.
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 skiing in Japan, New Zealand, Australia, USA, Canada, or Europe? Don’t book without reading this handy guide on where and when to go.
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.
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.
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