Overseas Travel Insurance

Going on an overseas holiday and need travel insurance? Well you've come to the right place because that's what we're all about.

Winner "Outstanding Value International Travel Insurance" Award

Overseas Travel Insurance Features & Benefits

We cover both basic and comprehensive levels of international travel insurance as well as annual multi trip policies for overseas trips. 

When you are heading away to explore the world, here at 1Cover we know that you are looking for low cost, high value travel insurance to keep yourself and your belongs secure. With no corners cut, we’ve prepared a comprehensive policy that does just that. Our cheap travel insurance policies for Single, Ski or Annual Multi Trip travels take into account trip cancellation or disruption; lost, damaged or stolen luggage and personal effects; delayed luggage and the inconvenience and expense that it brings; cover for your credit cards, documents and traveller’s cheques; and so much more.

All of our policy types include unlimited overseas medical and hospital expenses for illness or injury, plus emergency medical evacuation - one of the costliest items you can occur when travelling.

With the latest online technology and protected purchase features for your peace of mind, we have created a simple, swift and secure route from quoting, to purchasing to receiving your documentation. If you would prefer to speak to one of our Auckland team, you’ll find our opening hours on our Contact Us page and our friendly team ready to take your call.

We are all keen travellers too and know that nagging feeling you get when you get to the airport - you’re sure you turned off the iron and asked your neighbour to collect your mail but there was one more thing you had to do... It’s pretty easy to forget about your insurance but you can purchase at the last minute with no penalty. If you do remember when you are already at your destination be it Asia, Europe or the US, we have our Already Overseas policy to ensure you still have cover available.

Our aim is to make your travel insurance search as easy as possible, with some of the best prices in New Zealand to sweeten the deal. We think spending more money on holiday souvenirs or that pampering spa day is a much better use of your hard earned dollars, and we have thousands of customers who agree. Don’t take our word for it though; click here to read our up-to-the-minute customer feedback and see for yourself.

With 1Cover, you’re only minutes away from being able to tick travel insurance off your holiday checklist.

  • Peace of mind when overseas. Even with our basic level of cover we offer unlimited medical cover.

  • Relax and take a long break. Get covered for overseas trips that are up to 12 months long.

  • Get the cover to suit you. Choose from basics, comprehensive or annual international plans.

  • Take your partner, take the family. Why not get cover for you and the family with our family policies. Dependants covered at no additional cost.


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 Overseas Travel Insurance

  • What Are The Benefits Of Having Travel Insurance For My 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 Activities Are Covered Under 1Cover?
  • We cover a huge range of activities with our policies including skiing, snowboarding, bungee jumping, abseiling and more. To view a full list of activities covered under our 1Cover policies click here.

  • If I Am Having A Stopover Outside My Selected Country Will I Be Covered?
  • When you apply for the Policy you need to tell us where you are travelling to. The premium you pay for the Policy depends on your destination/s.
    The Policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.
    NB. We’ll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.
    If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
    Travellers on domestic cruises in New Zealand waters may also purchase a Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses. 

  • 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 - Overseas Travel Insurance

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

Key Benefits Comprehensive  Basics

Overseas Emergency Medical Assistance

Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, messages to family and hospital guarantees.

Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses*

Cover for overseas medical treatment if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.

Includes Dental Expenses (Per Person)*

Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 







Luggage & Personal Effects*

Cover for replacement of luggage and personal effects stolen, lost or damaged during travel. This includes luggage, personal effects, camera, spectacles and computer.


Cancellation Fees & Lost Deposits*

Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.


Rental Vehicle Excess*

Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; stolen, crashed or damaged and/or the cost of returning the rental vehicle due to you being unfit to do so.


Medical Benefits

Medical Benefits Comprehensive Basics

Additional Accommodation & Travel Expenses

Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).

Includes Family Emergency

Cover for additional travel expenses if your travelling companion, or a relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.

Includes Emergency Companion Cover

Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.


Resumption of Journey

Cover for the cost of airfares for you to resume your Journey if you return Home because of the unexpected death or hospitalisation of a Relative of yours.


Hospital Cash Allowance

An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas.


Accidental Death

A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury.


Permanent Disability

A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.


Loss of Income

A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to New Zealand. 


Luggage Benefits

Luggage Benefits Comprehensive Basics

Credit Card Fraud & Replacement*

Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.

Includes Travel Documents & Traveller's Cheques

Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.


Theft of Cash

Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders.


Luggage & Personal Effects Delay Expenses

Cover to purchase essential items of clothing and other personal items following luggage delayed and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.


Cancellation Benefits

Cancellation Benefits Comprehensive Basics

Disruption of Journey

Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control. 


Alternative Transport Expenses

Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements. 


Ancillary Benefits

Ancillary Benefits Comprehensive Basics

Personal Liability*

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

$5 million $5 million

Domestic Pets

Cover for additional boarding kennel or cattery fees resulting from your delayed return home, also veterinary fees if your pet is injured while you are away.


Domestic Services

Cover for house keeping services following injury/disablement continuing upon your return home.


* $100 excess payable


Further Reading

North America Travel Tips

North America

If you're going to North America make sure you are aware risks and safety concerns so you can stay safe.

Read More

Africa Travel Tips


Tips for exploring Africa including the safety and security precautions you should take while travelling.

Read More

Asia Travel Tips


If you're going to Asia make sure you are aware risks and safety concerns so you can stay safe.

Read More

Going To South America?

South America

Tips for exploring South America including the safety and security precautions you should take while travelling.

Read More

Going To Bali?

Bali is popular destination with Kiwis. Learn more about the safety concerns in Bali so you can enjoy safe travel.

Read More

Europe Travel Tips


If you're going on an overseas trip to Europe make sure you understand the risks so you can enjoy your holiday.


Read More

Frequent Traveller Advice

Got the travel bug? Travel often for business? Or maybe you've got far-away family you love to visit? Check out our frequent traveller advice and tips.

Read More

Worldwide Trips

Tips for planning a trip around the world. Including things to consider and what our travel insurance covers you for.


Read More

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.

Read More

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.


Read More



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 single and family 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.