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

Aelston63

February 2020

Policy fine very disappointed with snow cover add on

Very disappointed to find personal liability was excluded in snow cover add on (unlike other policies with other companies). I specifically took this policy to be well covered so felt that I had wasted my money

Jono25

February 2020

Easy and value for money

Was quick and easy to set up,and was great value for money. I had looked at other providers and 1 cover came out on top offering everything I required. Will use again on my next trip.

First_words

February 2020

Easy to purchase and comprehensive cover

The purchase process is straight forward and the cover options easy to understand. The cover documents are simple to access and can be saved in email, on your phone or in cloud storage should they be needed.

Aledifant

February 2020

Grateful to 1Cover

Thank you for the speedy response on our claim. We appreciate that you cared about our recent experience from our holiday trip. Regards and more power!

Aledifant

February 2020

Grateful

Thank you for the speedy response on our claim. We appreciate that you cared about what we have experienced from our recent trip. Regards and more power to you!

Bchamandwdom

February 2020

It was easy to do online very satisfied

Didn't have to do much. The quote i got was very fast and all i had to do was read the quote and if I was satisfied i just had to pay for it. It was awesome thank you very much Willie Dombroski

Phyllis.tuiatua

February 2020

Unbeatable Service and Support

Travelled to Samoa and there were multiple delays with Samoa Airways which meant additional expenses eek! I have never had to make a travel insurance claim before but Keanu was helpful and supportive - especially since it was a struggle to get relevant documentation from the airline to support my claim. I have always used 1 Cover because their prices and what they cover is very competitive but after this experience it will be hard to go anywhere else when this company offers such exceptional service. Thanks Keanu and thanks 1 Cover!

Mckenzie.way

February 2020

Overall experience

Great customer service I have always used 1cover and until I get better service and value for money then I will always be a 1cover customer.

Rowie2shoes

February 2020

Easy Peasy

I like the cover that I was able to get for a great price. The online process is super easy.

Heleneh47

February 2020

competitive , good service

Very reasonable rates, good service when applying for the insurance. And a very good outcome when having to make a claim.

Gum.grove

February 2020

Great travel insurance

1 Cover were easy to deal with, straight forward policy documents and they covered us for horse riding which many travel insurance companies do not. Although we didn't have to claim we had peace of mind.

Wilfannjames

February 2020

Good

I found the site the internet,it was quick and easy to follow,and straight forward.and it seemed to cover our pre existing conditions that we have had for more than twelve months

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