Complete Guide to 1Cover Travel Insurance for New Zealand Residents

Travel is exciting, but unforeseen events like flight delays, losing luggage and medical issues can ruin the fun. Getting travel insurance is one way to take the headache out of surprises. 1Cover Travel Insurance in New Zealand offers travel insurance for your next holiday with additional coverage for credit card protection and car rental excesses.

Read on to learn more about 1Cover Travel Insurance for New Zealand residents, like how it works, what’s covered and how to make claims. Also, take a look at the Wise Travel card to make managing your money abroad easy.

Table of contents

What is 1Cover Travel Insurance in New Zealand? 1Cover Travel Insurance Eligibility Types of 1Cover Travel Insurance Benefits Types of 1Cover Travel Insurance Packages available How to apply for 1Cover Travel Insurance Making a 1Cover Travel Insurance Claim 1Cover Travel Insurance Emergency Assistance 1Cover Travel Insurance Contact Details 1Cover Travel Insurance Reviews Meet Wise: The Simple Way to Manage Money Abroad 1Cover Travel Insurance - Frequently Asked Questions

What is 1Cover Travel Insurance in New Zealand?

Travel insurance is a policy that you purchase before going on a trip. Depending on the insurance company, it can cover medical events, travel delays and assist when your trip goes off track. The benefit of travel insurance is that it can provide peace of mind and save money in the case of an unfortunate event. A downside of travel insurance is that you won't get your money back if you have a good trip without any hiccups.

1Cover Travel Insurance offers policies you can buy before your trip and has options depending on the type of travel you’re doing. In addition to regular medical, travel and luggage coverage, here are some unique features of 1Cover Travel Insurance:¹

• Annual insurance coverage
• Ski coverage
• Group coverage
• Coverage for COVID
• Cruise insurance
• Country-specific policies

New Zealand residents can purchase, renew and submit claims for 1Cover travel insurance online.

To get travel insurance, you must first qualify and meet the requirements. More on that in the next section.

1Cover Travel Insurance Eligibility

1Cover Travel Insurance covers you for unforeseen events during your travel. However, insurance policies don’t cover everyone and everything. You must meet the eligibility criteria to purchase a policy:²

1. You must be a New Zealand resident, permanent visa holder or on a visa that allows access to publicly funded health and disability services in the country with a validity period beyond the end date of insurance.
2. Your travel must start and end in New Zealand.
3. The 1Cover Travel Insurance policy must be purchased before travelling; it can’t be purchased once you start your trip unless you choose the “Already Overseas” policy.
4. The 1Cover Travel Insurance policy does not cover medical expenses incurred in New Zealand.

1Cover also has age restrictions, depending on the type of travel insurance policy you are looking for:

Insurance Cover Types	Age Limits
Comprehensive	All ages are covered.
Essentials	Travellers up to 74 years old
Medical Only	Travellers up to 74 years old
Domestic	Travellers up to 80 years old
Already Overseas	Travellers up to 64 years old
Frequent Traveler	Travellers up to 64 years old

Types of 1Cover Travel Insurance Benefits

1Cover Travel Insurance offers multiple types of insurance coverage, including international and domestic, depending on your needs. If you qualify, you can choose a policy that works for you, your destination and the type of trip you are taking.

All 1Cover Travel insurance policies offer accidental death and permanent disability coverage up to $25,000 NZD. A general exclusion excludes coverage for COVID-19 and other pandemic-related claims.

Special packages, such as Cruise Travel and Ski Travel insurance, cater to specific activities. Family travel and group travel insurance facilities cover multiple travellers on a single policy.³

One helpful benefit is that 1Cover offers tailor-made policies depending on where you travel. For example, travel insurance for Japan covers natural disasters, whereas travel insurance for Fiji covers tropical cyclones. Cuba and Thailand travel insurance policies have clauses specific to crime.⁴

Types of 1Cover Travel Insurance Packages available

Here are some of the travel insurance packages that 1Cover offers:

Insurance Policy Category	Coverage
Travel Insurance5	Unlimited overseas medical assistance Travel plan cancellation Lost luggage and belongings up to $15,000 NZD Car rental excess, including damage or theft Expenses because of illness Credit card fraud Flight cancellations Personal liability Cash theft Domestic pet cover while you’re away Cruise and ski options Luggage delay Loss of income due to injury
Domestic Travel Insurance6	Domestic car rental excess Unlimited domestic cancellations Luggage and personal items up to $15,000 NZD Travel delays
Annual Travel Insurance7	Coverage for unlimited international and domestic trips in 12 months Year-round cancellations
Cruise Travel Insurance8	Medical costs with emergency evacuation Trip cancellation and lost deposits Lost belongings up to $15,000 NZD Weather delays, accommodation, and travel Travel expenses for unexpected family emergencies Damage to formal attire Cabin confinement Missed departure
Ski Travel Insurance9	Medical costs with emergency evacuation Tour cancellation and lost deposits Damage to ski equipment Delays due to bad weather (more than 12 hours) Rental ski gear theft and damage Rental car excess up to $5,000 for damage and theft
Seniors Travel Insurance10	Unlimited medical treatment Long-Trip Cover (up to 12 months for travellers up to 65 years and three months for seniors over 65) Unlimited cancellations and lost deposits Cover for lost or stolen valuables
Family Travel Insurance11	Adventure activities covered Domestic and international travel for the entire family Unlimited cancellation and lost deposits Extra accommodation up to $50,000 NZD Emergency alternative transport Ski and Cruise Family Cover Extra cover for valuables
Already Overseas12	Allows purchase of travel insurance after starting the trip No cover for the first 72 hours from the start date You can purchase the policy once every 12 months Pre-existing medical conditions not covered Overseas medical expenses, including hospitalisation Loss of luggage and personal items up to $15,000 NZD Cancelations up to $50,000 NZD Credit card fraud and replacement up to $5,000 NZD
Long-Term Travel Insurance13	Covers up to 365 days of travel Unlimited medical expenses Unlimited cancellations and lost deposits Covers multiple activities, including bungee jumping Rental vehicle excess Lost luggage and personal items up to $15,000 Option ski and cruise cover
Group Travel Insurance14	Covers up to 25 people on a single policy Unlimited overseas medical assistance, including hospitalisation Loss of luggage and personal items up to $15,000 NZD Credit card fraud Loss of income Cancellations, including additional accommodation and travel expenses Optional cruise, winter sports, and rental car excess coverage
Pre-Existing Medical Conditions15	Covers specific pre-existing medical conditions as long as they are disclosed when purchasing a policy
Pregnancy16	Single fetus pregnancy up to the 24th week of gestation Multiple pregnancies up to the 19th week of gestation
Activities/Sports17	Covers 100+ sporting activities Medical and hospital assistance overseas Loss of deposits or pre-paid fees Medical evacuation

1Cover Travel Insurance pricing depends on a couple of factors:

• The country you intend to visit
• The duration of your travel
• The traveller’s age
• The number of travellers
• The travel insurance policy you wish to purchase

Since insurance pricing depends on several variables, you can get a personalised quote by providing the relevant information on the 1Cover travel insurance website.

Remember that in most situations, you will need to pay upfront, and 1Cover will reimburse you after you submit a claim.

How to apply for 1Cover Travel Insurance

Anyone qualifying for travel insurance can apply for 1Cover Travel Insurance on the company website. Here are the steps:¹⁸

1. Access the 1Cover Travel Insurance webpage.
2. Choose the country you intend to visit by clicking the “Location” option.
3. If your country is not on the list, type it in the box and select the right option.
4. Enter your departure and return dates.
5. Provide information on all the travellers.
6. Click “Get a Quote.”

The quote will be based on the information you provide. Please note you must be in New Zealand when you apply for a quote (the online system has a built-in algorithm to detect your IP address and location).

Making a 1Cover Travel Insurance Claim

You can make a claim for 1Cover Travel Insurance online as long as you have receipts or proof of payment for each covered expense. Let’s look at the process:

1. Access the 1Cover Travel Insurance webpage.
2. Click on “Start a Claim.”
3. Log in to “Policy and Claims Manager” and launch the online claims form.
4. Complete the form online. It should take at most ten minutes.
5. Attach receipts and other required documents and submit.

Here are some of the supporting documents you’ll need to support a claim:

1. Medical and hospital expenses: You will need a medical report from your healthcare service provider in the country where the event occurred. If you were hospitalised, you will need to show a discharge summary.
2. Trip cancellation expenses: The first step is to seek a refund from the travel provider. Get a “Refund Advice Document” in case of denial or partial refund. Include this certificate with the original flight schedule, tax invoice for the cost of travel and accommodation, and proof supporting the reason for cancellation.
3. Additional accommodation and expenses: You submit the original and amended flight itinerary and the invoice for your travel and accommodation costs.
4. Lost luggage and high-value Items: You must submit proof of ownership of each lost, stolen, or damaged item. A police complaint letter or a report to the hotel or airline serves as proof of loss. If you have a lost phone, please provide the IMEI number.
5. Car hire excess: You can claim car hire excess if your hired car is involved in an accident. You must submit the police report of the accident, your vehicle rental agreement, a quote or repair invoice, and a receipt/proof of payment of expenses incurred for the damaged vehicle.
6. Other expenses: You must provide documents supporting the reason for the expenses incurred and the receipt or proof of payment.

You can log in to 1Cover Policy Manager to find out the status of your claim. 1Cover processes all insurance claims within ten business days, provided you have submitted all necessary documents. They might ask for additional documents, which you can send by email at claims@1cover.co.nz.¹⁹

1Cover Travel Insurance Emergency Assistance

1Cover Emergency Assistance is available round the clock throughout the year. Travellers who are experiencing an emergency can call these numbers for help:²⁰

Location	Emergency Phone Numbers
From Overseas	+64 98879423 Email - assistance@travelclaimscentre.com
Within New Zealand	0800 468 220
United Kingdom	0808 178 5380 (toll free)
Australia	1300884508 (toll free)
Thailand National	1800 011 857 (toll free)
USA/Canada	1 855 912 3443 (toll free)
Indonesia	0803 061 2053 (toll-free)

1Cover Travel Insurance Contact Details

1Cover's customer service team is available online, by email, phone or through the website:²¹

• If you need any help with travel insurance, send a message through the “Message Us” tool, and you will get a reply within 48 hours.
• Email Help: info@1cover.co.nz
• Phone Assistance: +64 9 975 4500
• Use the Policy Manager tool for trip extensions, lodge claims, etc.

1Cover Travel Insurance Reviews

1Cover Travel Insurance New Zealand rated 8.6 out of 1269 reviews.²²

Meet Wise: The Simple Way to Manage Money Abroad

Now that your travel insurance is figured out, how about your money? Travelling overseas used to be expensive and cost lots of fees, but not anymore. The Wise Travel Card has made paying overseas simple, easy and fast when you travel.

The Wise Travel Card is a debit card that allows you to load up to 40+ currencies and spend in 150+ countries—making country-hopping or extended trips abroad seamless.

Sign up for Wise today

Your Wise Travel Card offers attractive features like contactless payments, which you can use in your Apple Wallet or Google Pay. The best feature of the Wise Travel Card is that it uses the mid-market exchange rate, so you’re never paying a markup on currency exchange.

Get the Wise Travel Card today and enjoy your next holiday hassle-free.

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1Cover Travel Insurance - Frequently Asked Questions

Who underwrites 1Cover travel insurance in NZ?

HDI Global Specialty SE - New Zealand underwrites 1Cover travel insurance in New Zealand.

Can I extend or upgrade my 1Cover Travel Insurance policy while travelling overseas?

Yes. You can extend your 1Cover travel insurance policy when travelling overseas, but you must pay an additional fee and apply for an extension, ideally seven days before your policy expires. You can contact the call centre team or login to Policy Manager and seek an extension. Please note that the extension facility will not be available after the policy lapses.

You can refer to the 1Cover FAQs section for any clarification on your queries regarding travel insurance.

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Please see the terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

Sources used for this article:

1. 1Cover Travel Insurance New Zealand - An overview
2. 1Cover Travel Insurance New Zealand - Eligibility
3. 1Cover Travel Insurance - Benefits
4. 1Cover Travel Insurance - destination-wise policies
5. 1Cover - Travel Insurance Coverage
6. 1Cover - Domestic Travel Insurance Coverage
7. 1Cover - Annual Insurance Coverage
8. 1Cover - Cruise Travel Insurance
9. 1Cover - Ski Travel Insurance
10. 1Cover - Seniors Travel Insurance
11. 1Cover - Family Travel Insurance
12. 1Cover - Already Overseas Travel Insurance
13. 1Cover - Long-Term Travel Insurance
14. 1Cover - Group Travel Insurance
15. 1Cover - Pere-existing medical conditions
16. 1Cover - Pregnancy Insurance
17. 1Cover - Adventure Travel Insurance
18. 1Cover - Apply for travel insurance
19. 1Cover - Making a claim
20. 1Cover - Emergency Assistance Numbers
21. 1Cover - Contact details
22. 1Cover - reviews

Sources verified on 7 July 2024.