1Cover policies cover you for unlimited overseas medical claims related to Coronavirus if you test positive and require emergency medical treatment. This cover includes costs resulting from any overseas hospital medical treatment, ambulance transportation or repatriation back to New Zealand.
This meets the requirement for governments that have mandated travel insurance with Covid cover for entry. Upon purchase, you will receive an additional page attached to your certificate of insurance outlining the COVID cover which can be used as evidence of the cover.
1Cover polices do not cover for cancellation costs incurred if you catch Coronavirus before you depart for your holiday and need to cancel, this includes additional costs such as quarantine costs and standard PCR tests.
Please scroll to our handy FAQS to learn more about our Covid Cover and refer to the PDS for full policy wording.
The Coronavirus (COVID-19) pandemic has caused significant disruption to many travellers' past, present, and future travel plans. Now, countries all around the world are opening their international borders to travelers again. With the global pandemic we have faced, there will be changes on how we travel from now on and it has never been more important, and necessary, to ensure you have travel insurance. We’ve prepared these resources to assist with your current and future travel plans. You should also make sure you check the safetravel website before you travel to ensure you understand any restrictions, travel warnings and recommendations relating to any country you intend visiting.
The information provided on this page is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Please consider your personal circumstances and the policy wording.
1Cover policies cover you for unlimited overseas medical claims related to Coronavirus if you test positive and require emergency medical treatment. This cover includes costs resulting from any overseas hospital medical treatment, ambulance transportation or repatriation back to New Zealand.
This meets the requirement for governments that have mandated travel insurance with Covid cover for entry. Upon purchase, you will receive an additional page attached to your certificate of insurance outlining the COVID cover which can be used as evidence of the cover.
1Cover polices do not cover for cancellation costs incurred if you catch Coronavirus before you depart for your holiday and need to cancel, this includes additional costs such as quarantine costs and standard PCR tests.
Please scroll to our handy FAQS to learn more about our Covid Cover and refer to the PDS for full policy wording.
Information for our customers who are currently overseas and are affected.
We answer the most commonly asked questions about Coronavirus and travel insurance.
We've prepeared a list of steps that may help you in recovering your costs from travel providers.
We regularly update our travel alerts and you can see our latest updates here.
If you're travelling domestically or overseas at the moment, you might find the following tips useful.
If you want to get home and are experiencing any issues with this, make sure you:
Important: Please note 1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. 1Cover policies purchased after 19th November 2021 offer overseas medical coverage related to Coronavirus (COVID-19), however we do not cover any cancellation costs or additional costs that are incurred as a result of Coronavirus (COVID-19).
If you are a 1Cover customer and you're experiencing an emergency overseas, please get in touch with our third-party emergency assistance team. You can contact the team via the numbers listed on our Emergency Assistance page, certificate of insurance or you can email [email protected].
These contact details are for customers experiencing a genuine emergency only.
For general queries, including making a claim or extending your policy, please visit our Contact Us page.
Important: Please note 1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. 1Cover policies purchased after 19th November 2021 offer overseas medical coverage related to Coronavirus (COVID-19), however we do not cover any cancellation costs or additional costs that are incurred as a result of Coronavirus (COVID-19). If you suffer a loss, we encourage you to submit a claim through our online claim system. Every single claim is assessed individually by a member of our claims team, based on your policy wording and your individual situation. During the claims process, you can ask any questions regarding your claim.
We understand that the global pandemic Coronavirus (COVID-19) has changed the way we now travel. Below are some of the most common questions regarding Coronavirus, travel and travel insurance.
The information contained in these FAQs is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the policy wording.
We understand that would be a difficult time for you. Whilst 1Cover policies offers cover for early return due to family member becoming ill, injured or passing away, there is no cover if this is related to Coronavirus (COVID-19). The policy provides cover in relation to medical treatment relating to COVID-19 for those listed on the certificate of insurance, there is no provision to claim for additional expenses or cancellation costs (including curtailment) when a relative becomes ill with coronavirus. Our Emergency Assistance Team is available 24 hours a day, 7 days a week, they can provide non-financial support even if you cannot claim under the insurance. You can contact the team via the numbers listed on our Emergency Assistance page, or you can email [email protected].
No, there is no cover under your policy for cancellation costs you incurred due to being in lockdown. 1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic and policies purchased after 19th November 2021 is not a coverable event under the applicable benefits.
On the back of your Certificate of Insurance is a letter from us outlining Covid-19 is a coverable event under Benefit 2. Overseas Emergency Medical & Hospital Expenses in your policy.
Travel is opening up all around the world, however Coronavirus (COVID-19) has changed the way we can travel. Some countries have certain requirements that need to be met when entering, such as covid testing, vaccination passports and quarantine regulations. It is your responsibility to be aware of the requirements needed for your destination.
We strongly encourage you to register your details on safetravel to receive important country or territory specific information.
If you want to change your travel plans (including cruise holidays) we recommend that you contact your travel providers (your airline, transport and accommodation providers) to check what your options are. Each provider has different policies.
To help you get started, we’ve created a comprehensive guide on how to recover Coronavirus-related costs.
Important: 1Cover policies purchased prior to19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. Whilst 1Cover policies purchased after 19th November 2021 offer overseas medical coverage related to Coronavirus (COVID-19), there is no cover any cancellation costs or additional costs that are incurred because of Coronavirus (COVID-19).
No, there is no cover for cancellation costs or additional costs incurred because of Coronavirus (COVID-19). All 1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic, however 1Cover policies purchased after 19th November 2021 offer overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas.
At this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus (COVID-19). We recommend that you contact your travel providers (your airline, transport and accommodation providers) to find out the terms and conditions which may apply to you. We created a comprehensive guide with tips on how to potentially recover Coronavirus-related costs.
1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. This is a general exclusion and is applicable no matter when you purchased your policy or where you are travelling to. This includes (but is not limited to) situations where you decide or need to cancel your plans due to the Coronavirus, if you are quarantined or suffer travel delays due to the Coronavirus.
Limited cover for Covid-19 is available from 19th November 2021, please refer to your policy wording for the full details.
Yes. If you suffer a loss, we encourage you to submit a claim through our fast and easy online claim system.
Every single claim is assessed individually by a member of our claims team, based on your policy wording and your individual situation. During the claims process, you can ask any questions regarding your claim. If you are unhappy with our claims decision, you can also make a complaint, which we will consider in accordance with our Complaints Policy.
If your flight is cancelled or delayed because of Coronavirus (COVID-19) we recommend that you contact your travel providers (your airline, transport and accommodation providers) to check what your options are as each provider has different policies.
It is unlikely that travel disruptions would be covered under the policy when related to Coronavirus as 1Cover policies purchased prior to 19th November 2021 have an epidemic / pandemic general exclusion. 1Cover policies purchased after 19th November 2021 provide cover for medical related costs only when your treatment relates to Covid-19.
If you are overseas and have tested positive for Coronavirus, please get in touch with our emergency assistance team. You can contact the team via the numbers listed on our Emergency Assistance page, your certificate of insurance, or you can email [email protected].
Important: 1Cover policies purchased after 19th November 2021 offer overseas medical coverage related to Coronavirus (COVID-19). Whist 1Cover policies purchased prior to 19th November 2021 have an epidemic / pandemic general exclusion, we encourage you to contact our emergency assistance team immediately.
If you are quarantined because of the Coronavirus at home or overseas and need to cancel your trip or make alternative travel arrangements, unfortunately we are unlikely to be able to cover your cancelled or additional travel arrangement costs you incurred.
1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic. If you purchased your 1Cover policy after 19th November 2021 there may be provision to claim for overseas medical costs related to Coronavirus (COVID-19).
Please note: There is no cover for any cancellation costs or additional costs that were incurred due to the pandemic. If you are overseas and have tested positive for Coronavirus, regardless of when you purchased your policy, please get in touch with our emergency assistance team. You can contact the team via the numbers listed on our Emergency Assistance page, your certificate of insurance or you can email [email protected].
If you don’t need your 1Cover policy anymore, you can cancel your travel insurance within 14 days of purchase and receive a refund less an administration fee, provided that your travel start date (shown on your Certificate of Insurance) has NOT passed (this is known as the "cooling-off period”).
We understand that many of our customers have been affected by the COVID-19 travel restrictions and may wish to cancel their policy outside of the cooling-off period. To assist we're offering flexible options to accommodate the ongoing changes to travel today. You may be able to amend your policy using our Policy Manager or for further assistance our sales team are available on email at [email protected].
If your claim is in relation to Coronavirus, you are unlikely to be covered for cancelling your journey. 1Cover policies purchased prior to 19th November 2021 have an epidemic / pandemic general exclusion.
1Cover policies purchased after 19th November 2021, whilst they offer overseas medical cover for Covid-19, do not cover any cancellation costs or additional travel costs that are incurred as a result of a pandemic.
If you suffer a loss, we encourage you to submit a claim through our online claim system. Every single claim is assessed individually by a member of our claims team, based on your policy wording and your individual situation. During the claims process, you can ask any questions regarding your claim.
1Cover policies cover cancellation for many reasons, but not for “any” reason. 1Cover policies do not cover cancellations which occurred because of Coronavirus (Covid-19).
If the countries you are travelling to close their borders because of Coronavirus, you will not be covered for the cancellation or additional costs of your trip.
1Cover policies purchased prior to 19th November 2021 have a general exclusion which excludes cover for any claims related to an epidemic or pandemic and policies purchased after 19th November 2021 will only cover medical related expenses relating to Covid-19.
While you are travelling in New Zealand, we are unable to cover any domestic medical expenses. As a travel insurer, we can't take the place of health insurance.
You can find information about travel requirements at Safetravel. We strongly encourage you to register your details on Safetravel to receive important country or territory specific information.
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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