Long-Term Travel Insurance

Going on a gap year? Or just have a serious case of wanderlust? No matter the reason, if you’re going away on a long trip, we’ve got a policy to suit your needs.

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long Term Travel Insurance Benefits

Our single trip policies can cover you for up to 12 months abroad, so you can explore the world with peace of mind. All benefits listed below are subject to the terms and conditions in the the PDS

Unlimited Medical

Unlimited Medical

If you’re going away for a long time, travel the world with peace of mind, knowing you’ve got unlimited cover for medical and emergency assistance

Unlimited Trips In One Year

Extend your Long-Trip Cover 

If you’re away and you just don’t want to come back, you may be able to purchase an Already Overseas policy and cover yourself for an extra 12 months.

Unlimited Cancellation

Unlimited Cancellation

Plans can change when you’re away for a while, and you may have 
to cancel or switch things around. That’s why we cover you for cancellation fees or lost deposits

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

  •  A rental car or campervan might be part of your long-term holiday. But if something goes wrong, rental car companies can charge you a hefty excess. That's why we cover rental vehicle excess up to $5,000.

Luggage & Personal Effects Cover

Luggage & Personal Items

There's nothing worse than losing or damaging your favourite things, particularly when you're on a long term trip. Our policies cover up to $15,000 worth of luggage and personal effects, such as cameras and 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 and enjoy all the benefits - with all the paperwork in one place. 

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 PDS 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

** A 5% discount is automatically applied when you purchase a policy online through the website at www.1cover.co.nz from the 19th November 2019 for any of the following 1Cover travel insurance policy plans Comprehensive, Medical, Essentials, Domestic. Discount applies to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw this offer without notice. Before you buy, please the Product Disclosure Statement for full terms and conditions to ensure that this policy meets your particular needs.

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.

 

Get a quote

 

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 PDS 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 PDS 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. 

** A 5% discount is automatically applied when you purchase a policy online through the website at www.1cover.co.nz from the 19th November 2019 for any of the following 1Cover travel insurance policy plans Comprehensive, Medical, Essentials, Domestic. Discount applies to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw this offer without notice. Before you buy, please the Product Disclosure Statement for full terms and conditions to ensure that this policy meets your particular needs.

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.

 

Get a quote

 

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 Long Term Travel Insurance

  • What Are The Benefits Of Having Travel Insurance For My long term Trip? 
  • When you travel it's all about the new and unknown which unfortunately means you never know what could go wrong. Things like medical emergencies while overseas could cost $50,000+, and then there's lost luggage, stolen belongings and delayed flights which are more expenses on top of an already costly holiday.

    Travel is unpredictable and travel insurance is there to help provide you peace of mind that when the unexpected happens, we'll be there to help out. We advise you to read the Product Disclosure Statement to make sure this product is right for you. If you have any questions please call our friendly call centre on 0800 000 333.

  • 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.

  • Am I Covered If I'm Affected By Drugs or Alcohol When my Claim Event Occurs?
  • No. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.

  • 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 PDS 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

 

Want to know More about...

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 PDS, 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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