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Who Can Purchase A Policy?

Travel Insurance is here to cover you in case of unforeseen and unexpected events, however, our policies do not cover everyone and everything.

When taking out travel insurance, it is important that you read the Policy Wording before buying the policy because you are responsible for ensuring that you are eligible for cover and that the insurance cover you select, is suitable for your needs.

With 1Cover, you must be a New Zealand resident.  In terms of our policy, 'New Zealand Resident' means a person who is living in New Zealand and is either:

- a New Zealand Citizen or a permanent visa holder; or

- Someone who is on a visa or permit that allows access to all publicly funded health and disability services in New Zealand which is valid until after your end date of insurance.


Other Important Things to Know

- You must reside in New Zealand

- Your trip must start and end in New Zealand

- You must purchase your policy before your trip commences

- You must declare any pre-existing medical conditions

- Medical expenses incurred in New Zealand are not covered by our policies.  It is therefore important that you ensure you have access to medical care in New Zealand.

- There are some limitations based on age.

Age Limits
Comprehensive: Travellers of all ages
Essentials: Travellers aged 74 and under
Medical Only: Travellers aged 74 and under
Domestic: Travellers 80 and under
Already Overseas: Travellers aged 64 and under
Frequent Traveller: Travellers aged 64 and under

If you’re already overseas, and you’re a New Zealand resident with full access to Publicly Funded Healthcare, you may be eligible to purchase our Already Overseas cover.

It is important to read and understand the terms outlined in the Policy Wording to determine whether or not you are eligible for certain plans.

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All FAQ answers are based on the current effective Policy Wording. If your policy is older than the current Policy Wording, please contact us or refer to your particular policy.

Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Policy Wording.