Now that the kids have flown the nest it's time to start planning that dream holiday. Wherever you are headed make sure you have cover you can count on.
At 1Cover we want to provide safe travel for everyone, regardless of age. That's why we offer travel insurance no matter what age you are. Depending on your age, we may require a little more information from you to apply for travel insurance.
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 and comprehensive plans.
Why not get cover for you and the family with our family policies. Dependants (including grandchildren) can be 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.
A pre-existing medical condition is:
- Any medical or physical condition, defect, disease or illness including any mental illness of which you were aware or should reasonably have been aware, and for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days before the certificate of insurance was issued; or
- Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the issue of the certificate of insurance; or
- Any surgery which you have undergone in the past 12 months; or
- Pregnancy
- Any of the above conditions which are the subject of an investigation, even if the condition has not been diagnosed
There is no cover for medical expenses, cancellation costs or additional expenses if the following circumstances apply:
1. you have been given a terminal prognosis for any condition with a life expectancy of under 24 months
2. you require home oxygen therapy or you will require oxygen for the Journey
3. you have Chronic Renal Failure treated by haemodialysis or peritoneal dialysis
4. you have been diagnosed with Congestive Heart Failure
5. you have an AIDS-defining illness or any condition associated with immune compromise
6. you have had, or are on a waiting list for an organ transplant
If any of these apply to you, cover under the following Sections is excluded:
-- Section 1: Overseas Emergency Medical Assistance
-- Section 2: Overseas Emergency Medical & Hospital Expenses
(including Dental expenses)
-- Section 3: Additional Expenses (applies to We will pay a] & b] only)
-- Section 5: Emergency Companion Cover
-- Section 7: Hospital Cash Allowance
-- Section 16: Cancellation Fees and Lost Deposits
-- Section 17: Disruption of Journey
This means that we will not pay:
• your medical expenses whatsoever (regardless of whether the Sickness/Injury relates to the excluded circumstance)
• your evacuation or repatriation to New Zealand.
• your trip cancellation or rearrangement costs
• any additional or out of pocket expenses (including additional travel and accommodation expenses).
Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. This means that you must take out a pacific policy, not a domestic policy, to ensure you are covered for full medical coverage whilst on board.
Yes, you simply need to call us on 0800 000 333, email us at [email protected] or speak to us via online chat. One of our travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. You'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available.
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
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 Comprehensive plan to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses.
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
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. |
Unlimited
$1000 |
Unlimited
$500 |
|
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. |
$15,000 | |
|
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 |
Unlimited | |
|
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. |
$5,000 |
| 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. |
$50,000 | |
|
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. |
$3,000 | |
|
Hospital Cash Allowance An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while overseas. |
$5,000 | |
|
Accidental Death A death benefit is payable if you die because of an injury sustained during your journey within 12 months of that injury. |
$25,000 | |
|
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. |
$25,000 | |
|
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. |
$10,400 |
| 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. |
$5,000 | |
|
Theft of Cash Cover for the following items stolen from your person, bank notes, cash, currency notes, postal orders and money orders. |
$250 | |
|
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. |
$250 |
| 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. |
$1,000 | |
|
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. |
$5,000 |
| 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 |
$500 | |
|
Domestic Services Cover for |
$500 |
* $100 excess payable
Got the travel bug? Travel often for business? Or maybe you've got
Are you a frequent traveller? You could save money with our Annual Multi Trip policy. Get covered for an unlimited number of
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.
Our travel insurance covers a range of things that could go wrong while on
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.
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.
Our Call Centre is based in Auckland. We’re open seven days a week for your convenience. Our team are
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.
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.
You can rest assured knowing that you have 24/7 emergency assistance. We are there for you when you need us most.
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