Domestic Travel Insurance

Visiting family or friends within New Zealand or taking off for a quick getaway? Get covered with our New Zealand Domestic Travel Insurance.

Travel Alerts: 

Lombok, Indonesia

"Excellent Service"
— Lynda Mar 07, 2017

Domestic Travel Insurance Benefits

Our New Zealand Domestic Travel Insurance policy provides you with all the benefits you need to travel with total peace of mind. We're proud of our commitment to providing New Zealanders with affordable travel insurance you can rely on. 

Rental Vehicle Excess

Rental Vehicle Excess

Don't get ripped off. Hire a rental car and we'll cover the excess up to $5,000 if the car is stolen, damaged or in an accident. 

Unlimited Cancellation

Unlimited
Cancellation

If the unexpected happens and plans change, you've got unlimited cover for cancellation fees or lost deposits.

Luggage and Personal Items

Luggage and Personal Items

Travelling with your fave bag, valuables or a few new outfits? You're covered for up to $15,000 worth of luggage and personal effects.

Kids Travel Free

Kids Travel For No Extra Cost

  • Travelling with your kids and grandkids? They’re covered for no extra cost. We only charge you for each adult on your policy.
Unexpected Travel Delays

Travel
Delays 

If your journey is delayed by events outside of your control, we'll cover additional accommodation and meal expenses.

Family Emergency

Family Emergency 

If a a loved one is unexpectedly hospitalised or passes away and you need to return home early, we'll cover the costs to get you there.

Three Policies To Choose From

Customise Your Policy

Our range of optional add-ons mean you are able to tailor your policy to suit your trip type, your budget and your travel needs.

Group Travel

Travel on the One Policy

You can travel on the same policy as your partner, your mates, a family member. In fact, up to 25 people can go on the one policy.

It's The One Thing You Need When One Thing Goes Wrong

Table of Benefits - Domestic Travel Insurance

Explore our table of benefits below to see the policy benefits provided by our Domestic travel insurance policies. To find out more about our Domestic travel insurance policies, see the PDS or get an instant quote now

Domestic Travel Insurance Policy Benefit Domestic Travel Insurance
Single Trip
Domestic Travel Insurance
Frequent Traveller Annual
Medical - domestic Travel Insurance
   

Overseas Emergency Medical Assistance^

X

X

Overseas Emergency Medical & Hospital Expenses^*

X X

Includes Dental Expenses (per adult)^

X

X

Resumption Of Journey^*

X

X

Hospital Cash Allowance^*

X

X

Accidental Death*

$25,000

$25,000

Permanent Disability^*

X

X

Loss of Income^*

X

X
luggage - domestic Travel Insurance
   

Credit Card Fraud & Replacement^

X

X

Includes Travel Documents & Traveller's Cheques^

X

X

Theft Of Cash^#

X

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

X

X
cancellation - domestic Travel Insurance
   

Additional Accommodation & Travel Expenses*

$50,000

$50,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$1,000

$1,000

Alternative Transport Expenses^

X

X
ancilliary - domestic Travel Insurance
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

X

X

Domestic Services^*

X

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000

 

Get a quote

 

Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise? Stay safe and ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. This will ensure you're covered for all things while at sea, including medical. See PDS for full details.

Winter Sports Pack

Winter Sports Pack

If you're hitting the slopes anytime during the year on you'll need to add the Winter Sports Pack to your policy to ensure you're covered. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.

Rental Car Cover

Additional Rental Vehicle Excess

Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.

Read More

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.

 

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 domestic Travel Insurance

  • Is There An Excess On My Domestic Travel Insurance?
  • There is a $200 excess that is applicable per event per claim on the Domestic plan..  

  • 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 with your policy, 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. See our Cruise Travel Insurance page for more information.

  • 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 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

 

 

Recommended Travel Articles 

Safe Road Trip Advice

Essential Tips To Stay Safe On Your Next Road Trip

Before you set off on your next road trip, check out these must-know tips to avoid driving disaster.

Read More

These Are The Pointless Travel Items You Should Get Rid Of 

They may seem like a good idea at the time, but these travel items are more pointless than practical. 

Read More

Five Of the Best Diving Spots Around The World

Make a splash in the world's most idyllic waters and explore the wonders of these five incredible diving spots.

Read More

 

Why Choose 1Cover Travel Insurance?

Pre-Existing Medical Cover

We automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Trusted By 1.5 Million People

We are proud to say that we've provided award-winning travel cover to more than 1.5 million travellers around the world. You're sure to find a policy to suit you. 

24/7 Emergency Assistance

You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.

 Kids Are Covered For No Extra Cost 

Travel with kids or grandkids? Any dependant under 21 years who travels with a parent or grandparent for 100% of the journey is covered for no extra cost on the policy. 

Local Call
Centre

Our Call Centre is based in Auckland and is open 7 days a week for your convenience. Call our team of customer service legends and they'll happily tailor a policy to suit your needs.

Rental Vehicle
Excess

Don't get ripped off by the rental companies. If your rental vehicle is involved in an accident or is stolen, our policies will cover the excess payable up to $5,000. 

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
0800 000 333
(within New Zealand)
From
Overseas


+64 9886 2453 

Claims


0800 367 729

Monday-Friday
8:00 am - 10:00 pm
Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm