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

Realimo.pilkington

January 2020

Easy to get and at a great price

Customer experience was awesome had no problems at all. Value of money was awesome as it was a great price for two people and N/A because no claims were made

Realimo.pilkington

January 2020

Easy to get and at a great price

Customer experience was awesome had no problems at all. Value of money was awesome as it was a great price for two people and N/A because no claims were made

Nadiasacosta

January 2020

Easy to shop, felt protected overseas

I luckily didn't have to use my insurance while overseas, but felt at easy knowing that I had cover

Kwaats

January 2020

Wallah!

We cancelled our trip to Samoa due to the deadly measles outbreak. How was the service then? Fast, efficient and full refund given! They were very understanding and paid out in full. Only the excess of $200 was deducted and we saved our $11k!

413iwo0g8

December 2019

Price was very good for me.

Approving insurance is fast. I could go to trip smoothly. Thank you. I can recommend others to use your insurance.

Christinedavey.nz

December 2019

Travel Insurance

Was easy to take out cover online and over phone, friendly and helpful people, felt completely safe leaving NZ and the whole time away. Never had to use it but knew it was there if needed. Very safe secure feeling while away from home leads to a lovely holiday.

Ian

December 2019

Remote Bolivia and Antarctica

Another great trip, with the assurance that it something did happen that I would have adequate insurance to cover eventualities. Nothing did happen but I was glad to have peace of mind so that I could relax and enjoy my holiday.

Srallanson

December 2019

Local Cover for Locals

I needed to hire a car in Wellington. I needed excess cover. 1 option to but excess cover from the hire car company at $35/day. 2nd option to get 1cover for 3 days for $21 (from memory) What a pleasure to use 1cover. It was easy an easy and streamlined online service. For many years I have used Southern Cross but they don’t offer locals cover. So I’m glad I’ve discovered 1plus and I can highly recommend.

Lavinia150

December 2019

Piece of mind if things go awry

I think it's always a good thing to get insurance even if it never get used. Right at the end of my trip I did get a chest infection but thankfully it did not get worse. I knew I had the insurance that if things did get worse I could go to the doctor and it would be covered.

Wikiaqua

December 2019

outstanding service by far.

My handbag was stolen in Salzburg Austria. Passport, credit cards etc etc. We were due to fly home the following day. With all the extra costs involved with new passport accomodation food taxis and my motel bill for 2 nights upon arrival in Auckland all covered by this fabulous company. You will always be our family favourite and go to. Thank you very much for your compassion and care.

Angelacjordan

December 2019

See you next time

Great value for money, all bases covered. I have used them on previous travel and my claim was processed quickly.

Sheryl.mackenzie

December 2019

EASY TO GET COVER

Great website with ease of completing especially for older people not tech savvy. Affordable and would use again when needed.

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