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.

 

"Excellent Service"
— Lynda Mar 07, 2017

Overseas Travel Insurance Features & Benefits

We offer both Medical Only and Comprehensive policies for international travel. We also offer Frequent Traveller multi-trip annual travel insurance policies.

When you are heading away to explore the world, 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 travel insurance policies for 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.

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 abroad, we offer an Already Overseas policy. 

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. 

Booking with 1Cover makes booking travel insurance simple, so you're just minutes away from being able to tick travel insurance off your holiday to-do list.

  • Peace of mind when overseas. Even our Medical Only level of cover offers unlimited medical cover.

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

  • Choose the cover that suits you. Choose from Medical Only, Comprehensive or Frequent Traveller international plans. We also have several add-ons, so you can tailor your package to your holiday and your circumstances. 

  • We offer cover for singles, couples, families, and groups. Up to 25 people can go on one policy, and if you're travelling with your kids or grandkids, they're 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. This unfortunately means you never know what could go wrong. Things like medical emergencies while overseas can cost $50,000+, and then there's things like 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 provide you peace of mind that if 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. To view a full list of activities covered under our 1Cover policies click here. If you are participating in winter activities, such as skiing and snowboarding, you will need to select the Winter Sports Pack add-on if you wish to be covered.

  • 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 or ensure you have selected the correct Cruise Region. You can see a full list of Cruise Regions here.
    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, additional accommodation and travel expenses, family emergency, emergency companion cover and cancellation fees and lost deposits.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip based on the dates on your Certificate Of Insurance. 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.

Policy Benefit Comprehensive/ Frequent Traveller Medical Only

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

$1,000

Includes Travel Documents & Traveller's Cheques

Yes

x

Theft Of Cash

$250

x

Luggage & Personal Effects

$15,000

$5,000

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

$2,500

Disruption Of Journey

$1,000

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

 

Optional Add-Ons

Winter Sports

Winter Sports Pack

Cover for participating in winter sports activities including emergency rescue, piste closure, snow ski equipment hire and more. Conditions apply. See PDS for full details.

Cruise Pack

Cruise Pack

Cover while at sea for medical expenses and emergency assistance, cancellations, missed departure, formal wear cover and more. See PDS for full details.

Cruise Pack

Additional Rental Vehicle Excess

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

 

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

Africa

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

Read More

Asia Travel Tips

Asia

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

Europe

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 $8000) 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.