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

Jandhmather

April 2018

Easy to purchase and product suited us well.

The online purchase was simple and easy to follow. The subsequent documentation was concise and straight forward. The cost was competitive.

Sjoenz

April 2018

Expectations surpassed

I was very surprised at how easy it was to make my claim online, how fast it was to be approved, and how quickly the money was deposited into my account. Communications were also very good. Highly recommended.

Sheron

April 2018

The best travel insurance available for NZ travellers

When travelling to the USA we have used 1Cover as it is the most economical with the best service and a quick claims settlement.

Tonyandjoy

April 2018

great firm easy to understand and deal with

Had a holiday that we did not have to worry (I lost my watch but it was returned). I was totally relaxed knowing we had great cover thank you 1Cover!

Felyne

April 2018

Easy to Arrange

One phone call, an easy questionaire re pre-exting medical and it was all done. Certificate arrived promptly.<br/>Will be a repeat client

Shelltay

April 2018

Fantastic Experience

Thank you 1Cover for your assistance and promptness. The whole experience with 1Cover has made the disappointment of not being able to travel almost bearable. We will recommend 1Cover at every opportunity. Thank you again.

Rossyness

April 2018

Peace of mind

Travel insurance is peace of mind while overseas I did not need to use it but knowing I had it

Karenf71

April 2018

Excellent value

This provided us with peace of mind travelling with a child, at a very reasonable rate. Will definitely use again.

Jbenz_8722

April 2018

Disappointed

If you get burgled overseas and belongings taken from you have literally no cover - you would think under a comprehensive policy meaning all encompassed that you would have peace of mind. My bag full of camera gears was stolen during our trip. Went to police station to report it and then 1cover will not cover my claim. extremely disappointed and let down. Been 4-5 times we used 1cover every time we travel

Emma.cav

April 2018

Excellent service!

We had a really stressful incident getting money stolen while travelling. 1cover were fantastic. The claim process was very easy and all was sorted very quickly with no hassle. All done online so there was no need for expensive phone calls. After getting quotes from all companies myself before travelling, 1cover was also the most reasonable with great cover. A big thanks!

Lisa

April 2018

Why bother with insurance

So I got comprehensive travel insurance as I thought it would cover everything. Not so! I mixed up the dates when booking and arrived in London the day after I thought we were going to - costing us 1 night accommodation and having to re-book a rental car - costing us an extra $1600NZD - then we left our prescription sunglasses at one of the restaurants at Heathrow Airport - 1Cover wouldn't cover anything at all as it was an error in making bookings and I left the glasses unattended!

Annettebarrylee

April 2018

Very easy to organise on line

Did not have to make a claim, so really don't feel can comment further. Will use this insurer again

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