1Cover Travel Insurance Review

N/A / 5.0 CTI Rating

CTI Verdict

1Cover is one of the stronger options in the New Zealand market, and a particularly good pick if you’re an older traveller – the Comprehensive plan has no upper age limit, which is genuinely rare when many insurers start restricting cover in your 70s. The policy is flexible and customisable, so it rewards travellers who take a few minutes to build it properly at checkout. Canstar NZ has recognised 1Cover for outstanding value across both international and seniors travel insurance, making it a great option for travellers who want extensive cover at a fair price.

Customer reviews

Sandy1

January 2020

No hassle processing

Very comprehensive cover with no problem when necessary to claim. Fortunately had no need to claim this time but more than happy with results the one time I did have to.

Dmawaitere

January 2020

Very easy to arrange

We had a problem with our dates and one phone call and it was all soughted out. So helpful and quick. Thanks heaps

Dmawaitere

January 2020

Very easy to arrange

We had a problem with our dates and one phone call and it was all soughted out. So helpful and quick. Thanks heaps

Benjamin.pnba

January 2020

Good quality, average claims service

We had a great experience up until we had to make a claim, overall it wasn't bad so just making that clear, we were thankful for the help and claim received. In terms of the claim process there were a few things that could have made it smoother for us.I had spoken to a team member and emailed about our claim situation I completed a claim, however the claim needed to be individually, it would have been nice to have been told this in early discussions. Anyway, we did this and claims were approved, however the second claim for my partner missed the accommodation portion stating that it had already been received, however my claim stated that it hadn't and needed to be claimed separately either way we then got this sorted at a later date. Overall we weren't left out of pocket which we appreciated, however some process issues which could be tidied up moving forward

Robert_jm1969

January 2020

Travel insurance

Overall it was easy to set up and purchase. Don't really know about the claim section as haven't made any so far

Veronicaj

January 2020

Peace of mind

Thankfully I did not need to claim on insurance but glad it was in place. My case did not arrive until a day later but was told that Air New Zealand would cover essentials up to $100 which they did. Also we experienced a cyclone and had to evacuate our room but they organised new accomodation

Sifiafa

January 2020

super efficient service

We had to make a claim recently and 1cover exceeded both ours and our travel agents expectations. Thank you so much.

Nele1960

January 2020

Assistance post fractured neck of femur in Germany

I can't thank 1 Cover enough, their support and care were fantastic and made an awful situation so much more bearable. I particularly want to thank claims manager Andres Medel who went above and beyond in his support for me and the registered nurse Amanda who was a constant support for me but also all the other members of the emergency and the nursing team who were very helpful also.

Kbrown

January 2020

Good Insurance

This insurance is easy to apply for and very quick. It is priced very competitively. Although I have never made a claim I feel comfortable that they would deliver on their promises.

Mollyscott48

January 2020

Moving to another insurer

not able to adjust/change policy online and customer help was very slow at replying. It was super easy to set up the initial insurance/pay but after that everything was harder. Moving to another insurance

Gb.jarvis

January 2020

Peace of mind

It is safer to take it out just in case we needed it in an emergency. Especially when we are getting older and anything unexpected could happen.

Stevew

January 2020

Trip To Hawaii

the cover was easy to obtain on line, cover was what we expected and was good, did not need to make a claim so was ok, well worth the cover.

Got questions?

Frequently asked questions

How many people can I include in my policy?

The more the merrier right? 1Cover insures groups of up to 25. That means more fun for less hassle.

Am I covered if I go on a cruise?

No, not automatically. If you're cruising for more than 2 nights you must purchase their Cruise Pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

Am I covered for skiing and for my equipment?

Yes, if you purchase their Winter Sports Pack add-on. 1Cover provides coverage for up to $1,500 for skiing equipment. Adventurous skiers can even enjoy off-piste skiing (within resort boundaries).

Can I pay to reduce or cancel my excess?

Yes, you can pay an additional premium when you purchase your policy to reduce the standard excess from $200 to $100.

What additional extras are there?

Along with comprehensive cover for your electronics and personal belongings, additional cover can be purchased for specified items up to a total amount of $5,000.

Am I covered if my tour company collapses?

1Cover doesn’t provide protection from insolvency.

I’m not a New Zealand resident- can I buy cover?

You may be able to buy a policy if you are not a New Zealand resident. Make sure you read the Policy Wording to check their eligibility criteria.

What size moped or motorbike am I covered to ride overseas?

1Cover provides coverage for riding a moped or scooter with an engine displacement of 125cc or less, provided you hold a current and valid driver’s licence in New Zealand. If you plan to ride a motorcycle with an engine displacement greater than 125cc, you must have a valid motorcycle licence in New Zealand for the specific class of motorcycle you are using.

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Having too much fun? No problems! You can extend your policy with 1Cover for up to a year. You can apply to extend your policy through their online policy manager.

Do they cover for my rental vehicle excess?

Yes, up to $5,000 under domestic policies. For international coverage, you must purchase the Rental Vehicle Insurance Excess Pack. This coverage applies to a variety of vehicles, including a campervan, car (4WD, coupe, convertible, hatchback, sedan, SUV, utility, van), minibus, motorhome or people mover that is equal to or less than 4.5 tonnes.

Who underwrites them?

1Cover ® is a registered trademark of 1Cover Pty Limited. 1Cover NZ Ltd, Company No. 1588084, FSP472306 (a NZ company) arranges this insurance as an Appointed Representative of Coffre-Fort Pty Ltd, ABN 66 125 358 518, AFS Licence No. 472457. HDI Global Specialty SE, a company registered in Germany acting through its New Zealand branch, HDI Global Specialty SE – New Zealand (FSP 774050).

Where are they based?

Auckland

What is the cooling off period?

14 days