Pacific Travel Insurance

 Give Me That Insurance! 

 

Travel Alerts: 

Hong Kong Airport Protests

"Excellent Service"
— Lynda Mar 07, 2018

Why Do I Need Travel Insurance In the pacific?

$100,000

Average cost of an air ambulance from Samoa to New Zealand.

$30,000

Average cost of an air ambulance from remote areas in Fiji

 

$45,000

Cost of repatriation on a plane from Papua New Guinea to New Zealand. 


Travelling Safe In The Pacific

  1. The Pacific is a diverse region. Here’s a few tips to keep in mind if you’re travelling to Samoa, Papua New Guinea or the Solomon Islands.

    1. In Samoa, the island of Savai'i has active volcanoes including Mt. Matavanu, Mata o le Afi, and Mauga Afi. While they haven't erupted in over 100 years, check their status before booking your tickets.

    2. In Samoa, insufficient lighting, poor road conditions and poorly maintained vehicles may make driving quite dangerous.

    3. In Papua New Guinea, public transport and taxis can be unreliable and poorly maintained. Hiring vehicles is popular, but make sure it’s from a reputable car hire company. If you have Comprehensive insurance, it will cover you for car rental excess.

    4. In Papua New Guinea, there are high levels of serious crime throughout the whole country, but most frequently in the urban areas such as Port Moresby, Lae and Mt Hagen. Carjacking, assaults, sexual assaults, bag snatching, and robberies are common.

  2. 5. In the Solomon Islands, you could encounter political violence and civil unrest, which tends to coincide with elections, sittings of Parliament, periods of political uncertainty, industrial relations disputes, or high profile investigations, etc. Check the news before booking your tickets.

We can’t stop things from happening, but if you do find yourself in any trouble in The Pacific, we might be able to help you out. 

What Are My Travel Insurance Options For the Pacific?

 

Option 1

Comprehensive

This is our highest level of cover.

 
 

Option 2

Medical Only

For medical expense coverage only.

 
 

Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the PDS, or get an instant quote now.

 

Get a quote

 

Option 1: Comprehensive Cover

 

Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the PDS, or get an instant quote now.

 
Pacific Travel Insurance Policy Benefit Overseas Single-Trip
Comprehensive
medical Cover 
 

Overseas Emergency Medical Assistance^

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Includes Dental Expenses (per adult)^

$1,000

Resumption Of Journey^*

$3,000

Hospital Cash Allowance^*

$5,000

Accidental Death*

$25,000

Permanent Disability^*

$25,000

Loss of Income^*

$10,400

luggage Cover 
 

Credit Card Fraud & Replacement^

$5,000

Includes Travel Documents & Traveller's Cheques^

Yes

Theft Of Cash^#

$250

Luggage & Personal Effects*

$15,000

Luggage & Personal Effects Delay Expenses^

$250

cancellation Cover 
 

Additional Accommodation & Travel Expenses*

$50,000

Includes Family Emergency*

Yes

Includes Emergency Companion Cover*

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Disruption Of Journey*

$2,000

Alternative Transport Expenses^

$5,000

ancillary Cover 
 

Personal Liability#

$5 million

Domestic Pets^*

$500

Domestic Services^*

$500

Rental Vehicle Insurance Excess#*

$5,000

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.
# Limits are per policy regardless of persons the claim relates to.

 

Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 

Cruise
Pack
 

Protect yourself
while cruising in
the Pacific with our
Cruise Pack add-on.

Winter Sports
Pack

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.


Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to the Pacific, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.

Medical Only Cover Policy
 
Medical Only Policy
Single Trip
medical Cover 
 

Overseas Emergency Medical Assistance^

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Includes Dental Expenses (per adult)^

$500

Ancillary
 

Personal Liability#

$5 million

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.
# Limits are per policy regardless of persons the claim relates to.

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to the Pacific? Then it might make sense to buy a multi-trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the three options below.

 

Frequent Traveller 21 days maximum

 

Frequent Traveller 45 days maximum

 

Frequent Traveller 90 days maximum

 

Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.

  

pacific Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get Sick Or Injured In the Pacific?
  • Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in the Pacific.

  • Will You Fly Me Home If I Get Sick or Injured in the pacific?
  • 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 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.

  • Will I Be Covered If I Ride A Scooter, Moped Or Motorcycle While In the pacific?
  • If you are in control of a motorcycle or scooter with an engine capacity greater than 50cc, you need to hold a current, valid New Zealand motorcycle license. 

    You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcylce license for that country.  

    Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike. 

  • What Is A Dependant?
  • Dependants are your children or grandchildren not in full time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age that requires a single adult policy you will need to contact our customer service centre to discuss your options.

    Whether it’s two adults, multiple adults or just a single adult travelling, we allow for an unlimited amount of dependants to be added to a policy. 

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in the Pacific region, the easiest way to do this is via the Policy Manager.

    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires. 
    If you have trouble, you can email us at [email protected] or call us on 0800 000 333. 

    Please note there may be instances where a policy extension is not available. 

  • What Happens If I Encounter Terrorism Or Political Unrest in the Pacific?
  • In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.

    However, if you do get caught up in an unforeseen event while you are in the Pacific region and you are injured, cover is available for all necessary medical/hospital expenses.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to the Pacific a few times a year. What’s the best policy for me?
  • Our Frequent Traveller policy allows you to take as many trips to the Pacific and other destinations under the one policy for 12 months - and enjoy comprehensive cover on each one.

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to the Pacific?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details.

  • Am I covered if i'm pregnant when i'm travelling to the Pacific?
    • If you're travelling to the Pacific region while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

      We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

      Please note: we will not pay any medical expenses for:
      a) Regular antenatal care;
      b) Childbirth at any gestation; or
      c) Care of the newborn child. 

      Find more here. 

  • Am I Covered For Travel Interruptions Caused By Cyclones And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in the Pacific are cyclones, storms, and flooding. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

 

READ ALL FAQS

 

Travel Insurance Statistics

...they're interesting, really!

Nearly a quarter of travellers experienced an insurable event on their last trip overseas.*

Expensive Medical Bill

70% of travellers don’t realise travel insurance won’t cover you if you’re  intoxicated at the time of an event.**

35% of travellers think the government would pay to get them home in a medical emergency. Not true – you would be responsible for these costs. 

*in 2016/2017
**Research conducted in 2016

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

Do you need to Know about...

Cover for Activities

You wouldn’t be going to the Pacific if you weren’t going to be doing some activities. Find out all about the 100+ activities we cover, inlcuding lots of water sports. 

medical Questions

All sorts of medical issues could affect your travel in the Pacific. Find out about pre-existing medical conditions, as well as pregnancy and emergencies

What Travel Insurance Covers

We always recommend you read the PDS, but this page will give you an overview of what travel insurance will cover in the Pacific. 

 

One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to the Pacific. But if it does, the resources in this section can help you.


The Pacific region stretches far and wide with the South Pacific islands making up some top travel destinations. South Pacific Tourism Organisation is a good place to start to narrow down where you want to go and what to expect.

 

With a number of reviews of airlines, destination tips and hidden gems of the Pacific, Traveller has plenty of articles to aid your research into your next trip to the Pacific region. 

 

 

 

 

 

 


If you need emergency assistance in Pacific, please call our 24/7 emergency medical assistance line on (+) 64 9884 0229 or email [email protected]

For non-emergency assistance, our local call centre is open 7 days a week and can be contacted on (+) 64 9886 2453 or emailed at [email protected]


If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

 

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 468 220

Monday-Friday
9:00 am - 10:00 pm
Saturday
11:00 am - 6:00 pm
Sunday
12:00 pm - 6:00 pm