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

Gdsfjohnson

June 2018

Very efficient system for processing claims

I can not thank you enough for processing my claim so efficiently. It was simple to complete on line and I appreciated feedback when I attached extra information.Thank you

Gvdl.gvdl

June 2018

Easy to book over the internet you can do this at any time and date

We have no experience with claims because we have had no claims so far. The only request that I would like to make is: why do frequent travelers, as we are, have no discount at all when booking a travel insurance every time we go away. At least 2 per year. I would like to receive a reply with explanation.

Hevilaorchards

June 2018

easiest application to ever fill in having had a few heath issues.

Needed to claim flights back as I needed to cancel trip due to health found them easy to deal with

Hs.bd.ramsay

June 2018

Peace of mind

Agent spoken on phone was very helpful and recommended appropriate cover for myself and husband who was traveling separately. When we had health concern prior to travel and were uncertain as to status we were reassured that should we not be able to travel it would be covered giving us peace of mind.

Lesleys773

June 2018

Great Service

My husband and I used 1Cover Travel Insurance on our recent trip to Australia. Unfortunately I injured myself when I fell down some stairs but claiming with 1Cover was so easy and quick. We would definitely use them again.

Hunkin-garden

June 2018

Only when you amke a claim can you comment on how good the insurance is.

The travel insurance was the cheapest and covered car rental excess which was a real bonus. I did not have to make a claim so can't really comment on how good this insurance company is.

Lekelly.mailbox

June 2018

Great insurance, when you need it

I've just had another hassle free holiday but it's great to know 1Cover have your back if things do go wrong. I've only had one holiday mishap that needed to be claimed and the procedure was easy and uncomplicated.

Diannestitt1

June 2018

Better value than Platinum/Gold credit card travel insurance

My partner and I have used 1Cover as our preferred travel insurer several times now. We pay for all our travel with our Platinum credit card which includes comprehensive travel insurance. This is fine if you do not have any pre-existing medical conditions.

Scuba-lou

June 2018

Great company

I have been using 1Cover for many years. They are my "go to" for travel insurance. The first company I think of when I need travel insurance. Thankfully I have not claimed but my brother has and it was a seamless experience.

Paul.ruthy.arrowsmith

June 2018

Too easy.

Very easy to set up for those quick trips away, giving peace of mind. No issues and happy to recommend.

Judymckeri

June 2018

Claims

Did not need to claim this trip, but was disappointed last time I had claim that I had such a long wait with having to go to Australia,

Teanniq9teen

June 2018

Application for cover form easy to answer

The latest application for cover form is much improved for clarity & convenience on those of the past. Recent claims untested.

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