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

Angrej.singh27

March 2020

Claim rejected

I have GP visits as I was unwell , I claimed it but it was rejected , I understood that we could claim for medical expenses but they referred me to terms and conditions and told this occasion it is exclusion

Liznlewie99

March 2020

great service

I have been using one cover for some years now and always received excellent service both on line and over the phone. I have only had one claim and it was handled with speed and courtesy. very happy and will continue to use one cover

Homejames1

February 2020

Dont leave home without it

Travel Insurance is a must - but at this point in time it will not be of any benefit to us if our overseas trip for which we have already paid $40000 is cancelled because of Coronavirus :(

Phigar4

February 2020

All went well, but then nothing needed.

Previous experience when a claim was necessary went well so that no other company else really in the running.

Kevin.cresswell63

February 2020

Easy to apply for

Very easy to get cover good pricing, I haven't had to claim let so that's why I can't rate that, good company i believe.

Gr8poms

February 2020

You do need them

Great company Having confidence in a company that they will deliver when you are in trouble. I've had to use my insurance after an accident on another trip, knowing that they are actually there if you need them is a bit part of having a great holiday

Waynesueduncan

February 2020

Awesome to deal with

Last year while on a family cruise in America my husband went into heart failure. 1 Cover were so helpful and everything so straight forward. We felt they went over and above the call of duty. We decided to go visit our family in Switzerland again this year and inspite of our problems last year they were very happy to insure us again ( at a cost of course! )and the same good service was received. I can thoroughly recommend 1 Cover.

Trishatsds

February 2020

1Cover Insurance - Only Place to Go!

Booking is exceptionally easy, either on-line or by phone. Clear and concise and when I needed to call to ask a question the staff were so friendly and helpful, with clear explanations. I would never go anywhere else for my travel insurance.

Josoccer42

February 2020

Travel insurance for the Island

Awesome service and easy to follow steps to apply. It would be great if you are a returning client to save my details maybe? as we often travel to our island.

Johnd1950

February 2020

Easy to deal with in setting up cover

No occasion to claim, so no idea of how you might perform when it comes to the 'acid test' of customer service. Would use you again.

Lexjonesnz

February 2020

Great Policy

The on line process was easy and the price very acceptable Didn't need to make a claim but its a good feeling knowing that you are covered

Janine.taback

February 2020

Professional and efficient customer service

We used 1Cover insurance and unfortunately had to make a claim as our travel plans were cancelled. The claim process was effortless and the customer service team were timeous and professional in dealing with our claim. We will definitely be using 1Cover for all our future travel.

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