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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.
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.
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.
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.
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.
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.
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.
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.
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* |
$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 |
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.
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.
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.
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.
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.
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.
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.
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.
They need to be with you for 100% of the time to be classed as a dependant for the purposes of a Family policy.
Going Snowboarding, Sailing, 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.
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.
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 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 
Fiji Insurance
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