4.5 out of 5 Stars on
Top Brands Compared
100% Free Service
Quotes in Seconds

1Cover Travel Insurance Review

4.4 / 5.0 CTI Rating
Write a Review
  • NZ owned and operated
  • 1,305 verified reviews
  • Compare quotes in under 60 seconds
Natalie Smith

Reviewed by Natalie Smith

Travel Insurance Analyst | Updated Sep 7, 2026

CTI Verdict

1Cover offers a range of travel insurance cover options, including a Comprehensive plan with no upper age limit. Policies include flexible cover options and optional extras, allowing travellers to tailor their cover. They are one of the only insurers in the market to offer refunds outside of the cooling off period. T&Cs apply.

Customer reviews

Marie A.

August 2026

Highly Recommend

Jakirecchia

February 2025

Always the best

Tanuvasa2013

December 2024

Great service and great product!

Handpdixon

December 2024

Lengthy claims process

Rlofts77

October 2024

Poor service, no communication

Lynnj36

October 2024

AMAZING SERVICE

Marilynstobie

October 2024

Professional and caring.

Marilynstobie

October 2024

Professional and caring.

Wrightsing

September 2024

1Cover was there when *#%$ happened!

Daniellerathgen

July 2024

Avoid at all costs - untrustworthy

Burtdee1998

July 2024

Travel disruption claim

Janethompson1951

July 2024

Stressful

Report this review

Tell us why you think this review is unfactual, harmful, or inappropriate.

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