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

Kcbaros

September 2018

No claim lodged

I have insured with 1cover for the past 3 years when travelling to Europe and fortunately I have not needed to lodge a claim as yet therefore I am unable to comment on the companies claims processes

Aaron

September 2018

Always Use 1Cover

We have used 1Cover now on 4 separate occasions. We find them one of the cheapest around. On our latest trip my husband had a medical event which meant we had to claim on our travel insurance. Im happy to say that the claims process was excellent and they dealt with our claim really quickly. Highly recommend this company

Oofish

September 2018

Great insurance

Easy to take out, and covers a wide range of things. Never had to make a claim. Really good value for money. Would recommend them.

Glenysandrea

September 2018

Great policy but not flexible in changing dates for individuals

I bought a comphrehensive policy for 3 travellers months in advance of travel so I knew I had the money for it and it was another tick on the to do list. My son was given an opportunity to travel another 3 weeks more and I requested to extend the policy just for him for the additional 3 weeks. It was not something that they would do so I had to pay another 3 weeks for 3 people instead of 1 as it worked out very slightly cheaper than taking out a new policy for 1 person for the 3 weeks. It worked out quite expensive and an expense I was not happy with. Apart from that everything was a simple process.

Sherylmoore

September 2018

Easy to buy and easy to read policy

I bought this last minute as thought we would be adequately covered by our credit card travel insurance. However once I read the fine print I realised we weren’t covered for any cancellations prior to travel! We had chicken pox going around school so was a bit worried. Bought 1 Cover policy then rang to confirm that cover was from the day we purchased it, which was a relief. Thankfully we didn’t have to claim but felt so much better having a comprehensive policy with cancellation covered. Will never rely on credit card insurance again!

Agraemebenny

September 2018

Great on line service

Great way to organise travel insurance. Comprehensive cover and the annual option is very handy if you travel a lot as we do.<br/>Haven't (as yet) had to test how good they are at settling claims though.<br/><br/>

Wendy_frank

September 2018

Great travel insurance

Always use 1cover great service 😉never needed to claim but the service I had when I lost my original papers was wonderful no hassle just emailed them back through

Janandharald

September 2018

Great cover for seniors and stroke survivor

It was easy to get cover for our trip to Australia, including for my partner who is 78 and had a stroke last year.

Jillbuick

September 2018

Easy to access online.

Compared very favorably with other companies for price and cover. I have always used 1 Cover since I discovered it.

Andreahoulihan50

September 2018

Confident and efficient cover

Although didn't need to make a claim, the online application process was straightforward and efficient, and I was confident in the cover provided.

Hans.ria

September 2018

No issue policy

Although we had no problems during our travel, but it was nice to hear from other travelers also using this policy that what happened to them was fully covered and promptly dealt with by 1cover.

Immy.jean

September 2018

Must have for travelers

Luckily don't have to claim, but travel insurance is so essential for all travelers no matter if you are traveling near or far. Peace of mind and also allow you to enjoy more activities without worrying too much if you get hurt or sick along the way.

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