Backpacking is full of life lessons and is an incredible experience. Whether you’re taking a sabbatical around Australia, trekking around South America, exploring Europe, or volunteering in Asia, it’s probably a good idea to take travel insurance with you. That way you'll maximise the adventure, while minimising the risk.
It's extremely important that people planning to travel abroad have medical cover. The cost of overseas medical expenses can leave you in a financially difficult situation if you don't have travel insurance.
If you want a budget travel insurance option, 1Cover has a medical-only policy, designed for those who has been designed for those who are only concerned about medical expenses while travelling.
For those who want coverage for things like cancellation, lost deposits, lost luggage and a lot more, 1Cover offers Comprehensive travel insurance.
If you’re going round the world, you can buy Worldwide travel insurance. LIkewise, if you’re travelling to certain regions like Europe or Africa, you can select those regions for your policy if you’re not sure about the countries that you’re visiting.
1Cover offers long term travel insurance which can cover you for up to 12 months abroad. Then, if you want to extend your policy, you can purchase an Already Overseas policy and that can cover you for an additional 12 months. (Just make sure you extend your policy before it expires).
If you’re backpacking around Australia only, and you’re a resident of Australia, you might want to purchase a Domestic travel insurance policy only.
Rental car excess. Whether you’re hiring a car in Italy or doing a road trip in the US, or driving a caravan around Australia, don’t leave yourself open to nasty car rental excess.
Terms and conditions, limits and exclusions apply. Please see Policy Wording for full details.
Unsupervised Belongings. Leaving your things laying around is just asking for someone to take them so if you leave anything unattended or unsupervised, we won't cover this.
Ignoring Official Warnings. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider Your Need to Travel" warning and you go anyway, we won't cover any claim you make relating to this.
Breaking The Law. For obvious reasons we can't help you out here. Always adhere to local laws.
For a full list of what's not covered please refer to the Policy Wording for details.
Yes. You must extend your policy before it expires (11.59pm NZST). To extend your policy, you simply need to do it online using the policy manager or email us at [email protected].co.nz or speak to a call centre representative via online chat. One of our trained travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. And you'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available.
If you lose your policy documentation, please check your email inbox to see if the originals are there. If you are still unable to find the documents and relevant information, please contact us as soon as possible to retrieve them.
Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds should you go home earlier than planned.
All countries have travel advice levels and you always check these prior to travelling. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider your need to travel" warning and you go, you will not be covered. For more information, please see Safetravel.govt.nz
Make sure you tell us about any pre-existing medical conditions. If you’re going away for a long time, anything can happen, and if you have a condition you haven’t told us about, and something happens to you, you might not be covered.
Yes, you definitely can. You just need to be a resident of New Zealand. Note that, our Domestic policy doesn’t cover medical costs, as these are covered by Pubilcly Funded Healthcare
You’re going overseas for a good time AND a long time. 1Cover offers long-term travel insurance which can cover you for up to 12 months abroad - and you can extend if you need to. Find out more.
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Our beloved neighbour is extremely popular for backpackers. Here’s a handy survival guide to keep you safe and ensure you have the best time that you can.
From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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