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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 Policy Wording.
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.
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 90 days.
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
Big trips are for adventures and discovery and, of course, having fun! We cover a multitude of activities, including bungee-jumping.
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.
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.
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.
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 |
Unless otherwise specified in the Policy Wording: 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.
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.
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.
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.
Unless otherwise specified in the Policy Wording: 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.
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 Policy Wording to make sure this product is right for you. If you have any questions please call our friendly call centre on 0800 000 333.
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.
No. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.
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.
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
To view a full list of activities covered under our 1Cover policies click here.
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.
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.
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.
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.
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.
Travel insurance is important when you're carrying an extra little person inside of you.
If you need to be brought back home due to a medical emergency our policies cover it.
Read all you need to know before you go about travel vaccinations and travel health.
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