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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Taal Volcano, Philippines

"Amazing Overseas Support"
— Dawn Oct 07, 2019


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


  • 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

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

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)


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 - 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.

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** A 5% "Online Discount" is automatically applied when you purchase a policy online through the website at for Comprehensive, Medical, Essentials, and Domestic policies; or

## A "Campaign Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies purchased from 06/01/2020 and is ongoing until withdrawn by 1Cover. The Campaign Discount is available to customers with a valid Campaign Code who purchase online or over the phone.

Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs. For all 1Cover Competition Terms & Conditions, please visit

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 in the PDS.

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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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

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. 





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? 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)

+64 9886 2453 


0800 468 220

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