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

Samueldooley

January 2018

Quite Stressful for a stressfree experience

The whole process Got dragged out they didnt really want to pay out ( whats the point of even having insurance if theyre not going to pay) and we didn't even get much of a refund for the money we lost

Hansson

January 2018

Very happy with this company.

Cheap, easy to use and efficient. I had to stay a day longer and it was so easy to adjust the cover on line.

Salisburyac

January 2018

Great value and a simple claims process

An easy to understand and very affordable travel cover. Claim process was simple and processed very quickly. Top insurance provider.

Tdsg72

January 2018

Got $87 For a $848 pair of glasses ..

Its going to cost me an extra $800 to replace the glasses i lost and now cant afford them .. Glasses shouldn't depreciate as the prescription was current and they were in perfect condition .. Wont use 1cover again or recommend

Emma.z.butler

January 2018

Customer service is great

I had the pleasure of dealing with a certain customer consultant throughout the entire duration of my claim and the process was so smooth and easy! They really helped out a great deal and made everything easy to understand. Thank you for everything! I would definitely recommend 1cover to any friends travelling overseas!

Kuapai

January 2018

Easy...

So easy to purchase this policy online. I did have to visit the hospital once, but the hospital and it would appear - 1Cover - have it covered :)

Jodyq1

January 2018

If I could renew, I would - this company is the best

I have had a number of claims over the two years that I have had a policy with them. They always have answered my queries with professionalism, always stayed in contact and are always fair. I would love to renew but the excess has increased due to me being away over 2 years. I would highly recommend to everyone. I am a constant traveller with two children. Thanks 1cover for 2 years of fantastic service!!

Wglamuzina

January 2018

Quick and easy to use.

Fortunately with all the times I have had !Cover I have not needed to make claims but appreciate the support the policy affords.

Jcndunn

January 2018

Impressive servive

Easy to access on line. Simple to obtain coverage and value for money. We have used 1Cover for the last five years and have never been let down. Highly recommended.

Davebadcock29

January 2018

Sensibly priced and very easy to arrange cover for all standard ailment.

We arranged online with absolutely nil hassles. Compared with their competitors 1Cover is the fairest and easiest to arrange cover. We would have no doubts about using them again, though having said that, we did not have to make a claim and so unable to judge them on that situation.

Poneke

January 2018

1 Cover gives complete satisfaction

Fortunately our cruise holiday over Christmas was accident and sickness free. With both of us over age 90, we had to be extra careful and use lifts rather that marble stairs. And of course we made excellent travelling Kiwi companions who went out of their way to take care of us. Next time it will be 1Cover.

Brough_lois

January 2018

Easy to purchase and reasonable cost

I have purchased 1cover a few times but have never had to make a claim so while it was easy to purchase I do not know what the other side would be like

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