Planning a holiday is exciting, but making sure you have the right travel insurance can be daunting. Whether you're seeking comprehensive cover for a luxury getaway or just need basic medical protection for a budget trip, choosing the right plan is essential for peace of mind.
1Cover has two travel insurance options to pick from that cater to every traveller and every budget.
Compare the benefits of our two types of policies below, the Policy Wording is the place to go for full terms and conditions.
| Policy Benefit | Comprehensive (Single-trip & Frequent Traveller | Medical Only (available for ages 69 and under) | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | unlimited |
| Dental Expenses | O | $1,000 | $1,000 |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | O | $25,000 | $25,000 |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | - |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | - |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Pre-Departure Amendments to Journey | A | $2,000 | - |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | - |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | - |
| Travel Delay Expenses | S | $2,000 | - |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | - |
| Domestic Services | SO | $500 | - |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in New Zealand. |
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24/7 emergency medical assistance to assist you in stressful circumstances.
If you become ill or need to change your travel plans, we can help. Choose your level of cover.
Choose to add cover for exorbitant rental excess fees if your car is damaged/stolen.
4.3 Overall Rating On Compare Travel Insurance
"Thank you for making a horrendous time truly easy! The process, care and professionalism of our claim was the best. In our 72 years, we have never had a Travel Claim, We will be sure to recommend you to all our friends."
Kenneth Murray and Angela Murray. May 24
"1Cover has been great over the last few claims I've made. I have 5 more international trips coming up this year and I look forward to using 1Cover again."
Kevin Cheng, March 24
“We will always use 1Cover from now on - outstanding service, great experience (apart from the torn ACL). Huge thanks to our emergency case manger. Outstanding!!”
Matthew Noblet, June 24
If you have any other questions or queries, please visit our Contact Us page. If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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