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

Christineandsteve

December 2017

All good

To date I have yet to file a claim but I always feel happy and secure whenever I travel having your insurance. I would never travel overseas without it.

Southlanderz

December 2017

Health Top Priorty

I didn't hesitate to contact a Doctor when I fell ill in Egypt, as I knew from past experience, 1Cover would look after me when it came time to lodge a claim on my return, and I was right, they didn't let me down. This is why I am a returning customer, and I'll be back yet again. I highly recommed 1Cover.

Anj.blair

December 2017

Very Easy

Very quick and easy to complete. However, as I recommended a friend who also bought insurance from you, I was supposed to receive a voucher - I have had no correspondence regarding this? My friend followed the link I gave her to purchase her insurance.

Sharpshooter

December 2017

Great Cover for the price

Have taken 1 Cover now for several trips to Australia and the United States. Great peace of mind knowing the coverage was there if we needed it.

Sheronandray

December 2017

The only travel insurance for us.

We travel to the USA each year to visit our son.On one of our trips my wife twisted an ankle where she needed to visit an emergency clinic followed up by specialist visits. The claim was so easy with the initial claim and follow up enquiries by 1Cover being above expectations. Since then we have always insured with 1Cover knowing the cost is reasonable compared to other insurance companies.

The.gibsons

December 2017

Good value

Have used 1Cover twice now, easy to do on line and there is help at hand if you have a question. Never had to claim and may that continue but knowing 1Cover is there if needed makes a more relaxing holiday

Penalisankids

December 2017

To be able to get this online with in minutes is fabulous!!

We have never needed to use our travel insurance, but to know it is there brings such peace of mind. For a small amount of money it makes you feel safe if anything goes wrong.

Susan

December 2017

Happy

I did not have to submit a claim following our recent trip. It is an easy process to take out the insurance and I believe the cost is acceptable.

Cazdyer

December 2017

Did not need to claim

We did not need to make any claims on our holiday, however, the signup and payment process was extremely easy, and the cover was very comprehensive for the amount paid.

Dtmusham

December 2017

Travel Insurance For The Retired

! Cover comes close to offering a good comprehensive travel insurance for the over 70's.This day and age when people are living longer and staying fit in their retirement. With an aging population still in good health we need good travel cover. Why not introduce a letter of health standard from a local GP

Missy_moo_nz

December 2017

Love dealing with 1 cover

I have been on 3 trips to the USA and always use 1Cover. They always make it so easy and hassle free. Will be using them again

Ejflaszynski

December 2017

Professional Great Price Easy to deal with

Great price easy to deal with, responds extremely quickly No problems cover pre-existing condition. Extension of days are easy if necessary and value for money

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