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.
Our policies have no upper limited for medical treatment you may require on your extended holiday.
Plans can change. 1Cover policies cover for your fees or lost deposits if you need to cancel your holiday due to a covered reason.
Plans can change before you go or even while you’re away. We make it easy to cancel or switch things around and can cover you for cancellation fees or lost deposits in certain situations.
Big trips are for adventures and discovery and, of course, having fun! We cover a multitude of activities, with the purchase of an Adventure & Sports Pack.
A rental car or campervan might be part of your long-term holiday. If something goes wrong, you can purchase cover for rental vehicle excess.
There's nothing worse than losing or damaging your favourite things, particularly when you're on a long term trip. Our policies cover 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.
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 Benefits | Comprehensive | Medical Only | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | unlimited |
| Dental Expenses | O | $1,000 | $1,000 |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | O | $25,000 | $25,000 |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | - |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | - |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Pre-Departure Amendments to Journey | A | $2,000 | - |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | - |
| Travel Delay Expenses | S | $2,000 | - |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | - |
| Domestic Services | SO | $500 | - |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in New Zealand. |
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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.
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
We often feel more adventurous on holiday than when we're at home. Luckily, with the purchase of an Adventure & Sports Pack, we can cover you for too many activities to mention here, . View a full list of activities covered.
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.
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.
If you’re on an exciting, adventure trip, you need to add the Adventure & Sports Pack to your policy to ensure you’re covered. See PDS 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 PDS for full details.
1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
Travelling means doing - especially when you're away for a while, 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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