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

Dancemum

July 2017

So easy and friendly will definitely use again.

I used another insurance company on my first trip and had nothing but trouble! I did not know it could be this easy... Thank you one cover will definitely be using again.

Ssygon

July 2017

Painlessly easy to change dates for the same policy number and received a refund within couple days.

Was painless and easy to modify the date after ringing up 1cover. I just explained how I mistakening selected the wrong month online. They reissued the same policy number with the correct dates and I received a credit back on my credit card within a couple days.

Viento

July 2017

Ease of use

Easy to access. Paid up instantly for a claim made a couple of years ago. Will keep using this company.

Djcare

July 2017

Easy to deal with

When my trip needed to extended 2 days before contract end 1cover added the extra time to my contract even though 7 days notice is in the contract. Thank you 1cover, your the most easy insurance company I've delt with.

Luseane.akau

July 2017

Excellent

Booking very easy and quick, excellent customer service, price affordable and great follow up. Always use 1cover and strongly recommend.

Irgibson

July 2017

Easy to use and very competitive on pricing.

I have used 1Cover several times now and have always found them to be very competitive and easy to use.

Dave_kathy

July 2017

Very Impressed with A1 cover

We were very impressed with the communication when ringing a1 cover as we couldn't fly due to sickness when overseas, they rang to make sure we were ok.<br/>When we returned home to NZ, we sent our receipts in and were happy with the quick service.<br/>We would highly recommend A1 cover to anybody.

Henry.hudson.nz

July 2017

Emergency medical claim

We have had the multi-trip international coverage for several years and once required emergency medical treatment in the USA after an accident with a plate glass window. The claim process was simple and efficient. We had zero hassles. Highly recommended.

Brehaut

July 2017

Smooth, efficient, helpful claim service

1Cover's policy document and instructions were easy to follow and the claim process was well supported by helpful staff.

Ron

July 2017

Singapore

We decided we would give 1Cover another, notwithstanding our poor experience with creative dismissal of a claim in a previous trip.<br/>Buying insurance was seamless. One of the attractions.

Corporatebody

July 2017

Change of arrangements due to terrorism not covered

Hello, I recently travelled to the UK and Europe. Just after I arrived there was a large scale terrorist attack in Manchester then the day I was due in London there was another attack in the area I was staying in. Due to these reasons I changed my travel arrangements to return from trip early, as local authorities were advising another major attack was imminent and didn't feel safe remaining in London. This cost several hundred dollars. 1/cover does not cover me for this. With the situation as it is in today's world with occurrences such as this, I find that pretty unreasonable. In future I will choose cover with an insurer who will protect me from this type of thing.

Randjherman

July 2017

Very Friendly Staff to deal with.

I had to do Pre Existing Condition and this did take a little while as sent it back but it got mislaid all was sorted fine .

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