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

Joancampbell

July 2018

Excellent

One person travelling had a cardiac condition - additional cover was easy to fill in and was all done electronically. Simple as.

Tony68yates

July 2018

So Easy

Always easy to purchase online, you get good cover at a really good price. Haven't had to make a claim yet so I can't comment on that aspect.

Bexhaven21

July 2018

Very Happy with 1 Cover

I have used 1Cover several times over the past few years and have never had any complaints. I have only had to claim once and found that experience very satisfying. My claim was dealt with very efficiently and promptly and I certainly recommend 1Cover to anyone I know who is looking for travel insurance.

Joaro42

July 2018

Competitive price!

It's really cheaper than any other travel insurance. Very good and I will definitely get it again. Will recommend to my friends and family.

Colleen.byrnenz

July 2018

A simple and effective insurance

This is my second overseas trip that I have used 1Cover insurance for my daughter and myself for overseas holidays and although thankfully we had no reason to claim it was comforting to know that we were covered in any emergency.

Sophiajmpowell

July 2018

Once again an uneventful insurance experience!

Bought insurance for grandparents and 7 grandchildren travelling together. Easy to purchase, pre-existing conditions listed and covered automatically - gave such peace of mind. Total value for money. Highly recommend and will definitely use again.

Mhadlow

July 2018

Great service and very friendly and helpful staff

We were about to claim but then my son managed to get better they were very understanding and were in contact with us every step. Seriously A+ service

Gail_kirkham

July 2018

First time user on friends recommendation

Very pleasantly surprised at the ease of buying travel insurance. Questions for pre existing conditions more inclusive and accepting of long standing, medicated conditions. Have health insurance with a major provider I have regular check ups and seek second opinions if any doubts however this means I am more aware of any potential health issues/concerns. I am then obliged to declare any “known” issues which works against those of us who spend the money to keep on top of our health. This was not as discriminating with one cover.

Tony

July 2018

We were in a pickle after a delayed flight

We were delayed in LA for 2 days, no luggage and given a voucher by our airline for a night in the roughest part of the city, we did not feel safe in our accommodation. Rang 1 Cover and were told that we had a bed for the night and that we should be happy. 1 Cover did nothing to help and were evasive when we asked as to our entitlements under our insurance.

Info

July 2018

Easy to apply and a good product

The product is easy to purchase and is reasonable value for money and goid cover. I have only had small claim a few years ago with very little issues

Debsgrace

July 2018

Well priced insurance

1st Cover was easy to purchase from online with good communication and competitive price. Fortunately I did not need to claim so I can't rate claims. I shall purchase my future travel insurance from 1st Cover.

Kalowes

July 2018

1Cover provides confidence when travelling

Easy to purchase 1Cover insurance online and having the confidence that we were covered for everything especially when taking extra children along as well as our own. Over the years we have used 1Cover have never had to claim but knowing we were covered is peace of mind.

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