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

Janday420

November 2018

Quick and easy travel cover

Have used several times and on two occasions in the past have had claims attended to very efficiently and quickly.

Jean.k

November 2018

Purchasing travel insurance is a very quick, helpful, and cheap experience.

We have been using 1 Cover Insurance for four years without any issues so will continue to use them in the future.

Graybob223

November 2018

Pre-existing conditions a breeze.

As a couple in their late 60's we were very worried about covering our pre-existing conditions.We need not have worried, as the very smart 1Cover website made it very easy to get our quote covering these. The smart search engine produced a very competitive quote in seconds, for a surprisingly small extra premium.

Rscown

November 2018

Fantastic service and communication

I have received wonderful service. I was in Bali recently I received an email asking if I need to extend my policy, I wouldn't have thought of it if something had had happened. I have just bought my policy for my trip to Sydney in. Couple of weeks, so easy , and again I couldn't complain about the service an communication I have reception.

Rach

November 2018

Didn’t get any help after having flight cancelled

Very disappointed in the lack of help during my travel predicament. The one time I’ve needed to utilise my travel insurance...

Andy

November 2018

Excellent value for money

Having this policy gave me peace of mind knowing that if required that I was covered. Thank goodness that I didn't need to make a claim. I travel extensively abroad, and will be using 1Covers service for future travels

Chuang.bonnie

November 2018

Travel insurance for people with pre-existing condition

Now let's be honest, who doesn't have a sore back or previously seen a doctor for something chronic which is not completely curable? If you declare "no previous medical history" the chances are your insurance will not be valid by the time you have to claim it. 1Cover however look after that for you - it covers most common (everyday) chronic problem, and even for something slightly less common, as long as your condition is stable they will cover it with a small surcharge. I have a stable but slightly more problematic chronic condition which requires specialist review every 6 months, but because the condition is stable, they cover it. It's a great peace of mind, even just hopping across Tasmin to Australia!

Annechapman50

November 2018

Compared well against other providers

Claim was delayed due to not being given correct information of what was need to process completely, otherwise very happy.

Shirleketone

November 2018

Claim made for Dr visit in Hawaii

Easy to understand insurance sign up Easy procedure & fast acknowledgement of claim lodged Easy return of documents sent supporting claim Full $$ refunded in under 5 days of all documentation provided Another holiday overseas since Hawaii & took out insurance with A1 again & will continue to so so in the future Cheapest & easiest application 👍

Maxed132

November 2018

Easy and Affordable

I have used 1 Cover since 2012 when I did a big trip to the USA. I have traveled every 18 months since and 1 Cover is my first choice for travel insurance. You can get an online quote (good rates) and order online too. It is so easy and hassle free. I have not had to make a claim so cannot comment there.

Limburgernz

November 2018

Best Value For Money

We've insured ourselves with 1Cover several times now. Before committing, I always do research as to cover provided vs cost, & find 1Cover to be the best value for money travel insurance available in NZ. I will certainly use them again.

Hematite007

November 2018

Quick and easy cover to go

Havent been overseas in years so was unsure of the process. Found 1Cover to be very quick and easy on line and great value for money

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