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

Ceciliango

August 2017

Great Travel Insurance Company

Great value for money and service :) My claim was dealt with straight away. So Glad I got travel insurance for our short trip. Thanks 1cover!

Waiheke

August 2017

No claim so hard to comment on the acid test a claim

As someone over 75 it is harder to find reasonable health cover with travel insurance but 1 Cover was fine

Lindy

August 2017

Would not recommend this insurance company

How can a company only insure against items stolen from a car in daylight hours! And from a concealed locked storage unit in the vehicle. What happens when the vehicle is a 4 wheel drive.

Suzi.nock

August 2017

Very competitive and good service

I have found 1Cover to be competitively priced, but they also have had good communication and followed up with any concerns in a timely manner. Will happily use them again.

Jaylo87

August 2017

Smooth Service

Fortunately we did not have to make a claim. 1Cover was so easy to use online and great value for money. Thank you - we will definitely be using you again in the near future.

Thomas.kieransean

August 2017

Simple and easy

I did not have to claim but 1Cover was by far the best value for money and easiest to purchase.

Maureen_w

August 2017

Should of claimed

I did have an accident, fell on my side and probably a couple of cracked ribs, we were about to board the Rocky Mounteer train so just took lots of pain meds, and the thought of going to,hospital with a possible stay was my choice not to, then hit my foot on my bag and sure I have a broken toe! I've never had to make a claim nothing has ever happened when I've travelled and usual just go with the credit card insurance, The one time Ive paid for insurance I didn't make use of it.

Deane

August 2017

Lost Baggage Summary

Used a toll free number to find the where abouts of our luggage over the first 3 days and ran up a $600 phone bill. Now advised by 1 Cover they they will not cover this expense. Feel totally cheated on a legitimate claim after we toughed it out while waiting for our baggage and not claimed for anything else. First claim I have made over several times use of 1 Cover. Will never use again.

Pam58

August 2017

Easy

Affordable ,piece of mind cover ,used the every time I travel ,lucky I have never had to claim .thank you One Cover your the best .

Jrequierme

August 2017

still waiting for the claim response

It took time to claim for our medical travel insurance as our son got hospitalised during our travel overseas.Still waiting for the reply. Waiting for a refund for all the expenses if possible.

Arangold

August 2017

Items not covered...wording misleading!!

Disturbed to find that my husbands new hearing aids worth 9K were not covered and neither was my engagement ring worth 7k!! (would have only paid out $250 if it had been lost) These were both had current valuations and were notified to them. Luckily neither were lost on the trip!!!

Butterflyfee

August 2017

easy, good price

I needed to change one of my destinations at the last minute , it was no bother at all. I did it through email with immediate, friendly help

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