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Long Term Travel Insurance

 

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Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

long Term Travel Insurance Benefits

Heading on a long adventure? 1Cover single trip policies cover you for up to 365 days of travel.

All benefits listed below are subject to the terms and conditions in the the Policy Wording

Unlimited Medical

Unlimited Medical

Our policies have no upper limited for medical treatment you may require on your extended holiday. 

Unlimited Trips In One Year

Annual multi trip 

Plans can change. 1Cover policies cover for your fees or lost deposits if you need to cancel your holiday due to a covered reason.

Unlimited Cancellation

Unlimited Cancellation

Plans can change. 1Cover policies cover for your fees or lost deposits if you need to cancel your holiday due to a covered reason.

Activities Cover

Activities Cover 

Big trips are for adventures and discovery and, of course, having fun! We cover a multitude of activities, including bungee-jumping.

Rental Vehicle Excess

Rental Vehicle Excess

  •  Hiring a car or campervan? We cover up to $5,000 for your rental vehicle excess when you drive a hire car.

Luggage & Personal Effects Cover

Luggage & Personal Items

Our policies cover up to $15,000 worth of luggage and personal effects including phone, cameras, clothing. 

Travel On One Policy

Travel on one policy

Are you taking a big trip a group of friends, colleagues, or a team? With 1Cover, up to 25 people can travel on one policy. 

Three Policies To Choose From

Upgrade your Policy

  • If you’re going skiing, cruising or have valuable items you need to cover on your long-term holiday, then we’ve got a range of optional add-ons to choose from. 

 

Table of Benefits - Long Term Travel Insurance


Explore our table of benefits below to see the policy benefits provided by our long term travel insurance policies compared with our basic 'Medical Only' cover. To see full details, see the Policy Wording or get an instant quote now

Travel Insurance Policy Benefit Comprehensive Travel Insurance Medical Only
Travel Insurance
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

 

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FAQs About Long Term Travel Insurance

  • What Do I Do If I Lose My Policy Documentation?
  • If you lose your policy documenation, please check your email inbox to see if the originals are there. If you are still unable to find the documents and relevant information, please contact us as soon as possible to retrieve them.

  • Will You Fly Me Home If I Fall Sick Overseas?
  • If you have purchased Comprehensive, Essentials, Medical Only, Frequent Traveller, or Already Overseas, cover is available for your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or be brought back to New Zealand with appropriate medical supervision.

    Cover is also available under these Plans for the return to New Zealand of your Dependants if they are left without supervision following your hospitalisation or evacuation.

     All expenses for medical evacuation must first be approved by 1Cover. This only applies to the Plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans. If you are travelling on a cruise, you must have the Cruise Pack in order to be covered for medical treatment, transfer or evacuation. 

  • Will I be Covered If I Travel To A Country With An Official Travel Warning?
  • All countries have travel advice levels and you always check these prior to travelling. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider your need to travel" warning and you go, you will not be covered. For more information, please see Safetravel.govt.nz 

  • What Activities Are Covered By 1Cover?
  • To view a full list of activities covered under our 1Cover policies click here.

  • Is My Policy Extended If My Return Journey Is Delayed Due To A Claimable Event?
  • You may extend your cover free of charge if you find that your return to New Zealand has been delayed because of one or more of the following:

    a) a busline, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage and personal effects, is delayed;
    b) the delay is due to a reason for which you can claim under your policy (subject to 1cover approval). Please refer to the Policy Wording for further information.

  • What Happens If I Go Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds should you go home earlier than planned.

 

READ ALL FAQS

 

Optional Coverage

Cruise Pack

Cruise Pack 

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 Policy Wording for full details. 

Winter Sports Pack

Winter Sports Pack

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 Policy Wording for full details.

Rental Car Cover

Additional rental Vehicle Excess

Most of 1Cover’s policies protect you with up to $5,000 in rental vehicle excess cover. But you have the option of increasing this cover to $8,000 in case your rental car company gives you nasty surprise. 

 

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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

more travel insurance tips

Activity Hub

Travelling means doing - especially when you're away for a while. Luckily 1Cover covers 100+ activities, so you can have fun while you’re away, and still have peace of mind. 

Pre-Existing medical Conditions

Do you or anyone you’re travelling with have pre-existing medical conditions? Or are you wondering about pregnancy and travel insurance? Find answers to all your medical related questions here

What Travel Insurance Covers

In addition to reading the Policy Wording, you can find out exactly what and what you’re not covered for while you’re away with this handy resource. 

 

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