Domestic Travel Insurance

Are you visiting family or friends within New Zealand? Get covered with our Domestic Travel Insurance.


Travel Alerts: Volcanic Eruption Overview

"Excellent Service"
— Lynda Mar 07, 2017

Domestic Travel Insurance Features & Benefits

Our domestic travel insurance covers you for rental car excess insurance, luggage, personal effects, lost deposits plus more.

You also have the option to purchase additional cover for high value items such as camera equipment.

With an office in Auckland, 1Cover Travel Insurance has dedicated New Zealand professionals on hand to assist with every Kiwi's travel insurance needs. Whether you are taking a short hop across the Tasman to Australia, a long-haul jaunt to Europe or flop-and-drop on a tropical Pacific Island, we're here to offer security and peace of mind for yourself and your family against the risks of travel.

As a specialist online business, we're committed to providing the best quality international and domestic travel insurance policies at a low cost, without cutting any corners.

It's very straightforward to receive a quote or buy from us, simply enter your details above or click on and you'll be guided through a series of questions which include your holiday duration, how many people in your travel party and any specifics about your trip such as pre-existing medical conditions or cover for high-value items. You'll then be given a price and it's only a couple more steps to purchase if everything is in order. Once you have purchased, you'll receive an email automatically in your inbox with your policy details and a link to our policy wording. It's really very simple.

We also have a dedicated call centre team to assist should you prefer a more personal touch, or have any queries. You'll be pleased to know the price is the same if you purchase online or with our customer care team so you can choose your purchasing preference without being penalised. Our enthusiastic team can be reached on 0800 000 333.

We're proud of our commitment to providing New Zealanders with low cost, great value trusted travel insurance and look forward to assisting in securing your future holidays, wherever they may take place around the globe.


  • Don’t let the unexpected affect your holiday. Unlimited cancellation & lost deposits cover.
  • Planning to get a rental vehicle while on your trip? Automatic $5,000 rental vehicle excess cover, with the option to add extra cover.
  • Taking some expensive items on your trip? $15,000 luggage and personal effects cover.
  • Something unexpected delays your trip? Additional cover for travel delays — meals and accommodation.


Read the full policy wording in our Product Disclosure Statement for more details including full terms and conditions, limits and exclusions that apply.



FAQs About Domestic Travel Insurance

  • Is There An Excess On My Domestic Travel Insurance?
  • The default excess for Domestic policies is $200. You can opt to reduce this to $100, or $0 for an additional premium. 

  • Am I Covered On A Domestic Policy If I Am Travelling On A Cruise Liner Within New Zealand Waters?
  • No. If you are travelling in New Zealand waters on a cruise liner you will need to purchase our Cruise Pack add-on, selecting 'New Zealand Cruise' for your region. This will ensure you are covered for emergency medical assistance and emergency medical and hospital cover, cancellations, missed departure and more.

  • Do I Need Rental Vehicle Insurance If My Travel Insurance Covers Rental Vehicle Excess?
  • Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle insurance. We will reimburse you up to $5,000 (unless you have opted to increase your excess) for any excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement if the Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody. Please note: the Non-Residents plan provides excess cover up to $2,500.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.


A complete list of FAQS.


Table of Benefits - Domestic Travel Insurance

Explore our table of benefits below to see all the cover provided by our domestic travel insurance policies.

Policy Benefit Domestic



Overseas Emergency Medical Assistance


Overseas Emergency Medical & Hospital Expenses


Includes Dental Expenses (per adult)


Resumption Of Journey


Hospital Cash Allowance


Accidental Death


Permanent Disability


Loss of Income




Credit Card Fraud & Replacement


Includes Travel Documents & Traveller's Cheques


Theft Of Cash


Luggage & Personal Effects


Luggage & Personal Effects Delay Expenses




Additional Accommodation & Travel Expenses


Includes Family Emergency


Includes Emergency Companion Cover


Cancellation Fees & Lost Deposits


Disruption Of Journey


Alternative Transport Expenses




Personal Liability

$5 million

Domestic Pets


Domestic Services


Rental Vehicle Insurance Excess




Additional Coverage

Winter Sports

Winter Sports Pack

Cover for participating in winter sports activities including emergency rescue, piste closure, snow ski equipment hire and more.

Cruise Pack

Cruise Pack

Extra cruise related cover including pre-paid shore excursion cancellation, missed cruise departure, formal attire cover and more. 

Cruise Pack

Additional Rental Vehicle Excess

Additional cover for rental vehicles with an excess of up to $8,000. 


Further Reading

New Zealand Travel Insurance Tips

Going on a domestic trip around New Zealand? Check out our domestic traveller advice and tips.


New Zealand Travel Tips

Going Bushwalking?

Tips for planning a bushwalking adventure! Including things to consider and what our travel insurance covers you for.


Bushwalking Travel Insurance

Long Term Travel Insurance

Taking the leap and planning to travel for a long time and not coming back until everything is ticked off your bucket list? You can buy a long term travel insurance policy with us that covers you for 12 months of consecutive travel.

Long Term Travel

What Is Covered?

Our travel insurance covers a range of things that could go wrong while on holiday such as overseas medical assistance, car hire excess, luggage and lots more.


What Is Covered?



Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our travel insurance policies. We understand that everyone is different and we assess pre-existing conditions on a case by case basis.



One Million Customers

We are proud to say that we have provided cover to over one million customers around the world. Whether you are exploring New Zealand or the rest of the world, we have a travel insurance policy to suit your needs.


Local Call Centre

Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are trained travel insurance specialists who will be able to assist you in tailoring travel insurance to suit your needs.

Rental Car Excess

Our travel insurance will cover the excess payable (up to $5000) on your rental vehicle’s insurance resulting from the vehicle being involved in an accident, is damaged or stolen.

Coverage For The Family

Dependants under 21 years who travel with a parent or grandparent for 100% of the journey are covered at no additional cost on our policies. 

24 Hour Emergency Help

You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.