Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
Before you buy, please read our travel alerts.
Travelling within New Zealand? Domestic travel insurance covers you for things like trip cancellation, rental car excess, losing your luggage and family emergencies, but it doesn’t cover medical expenses while you holiday at home.
If something goes wrong with your domestic rental car, you won't be stung with an expensive excess from the rental car company.
Just because it’s a domestic holiday, it doesn’t mean it’s cheap. Cancellation cover can help if you need to change your plans. Choose the level of cancellation cover you need.
Things can still get lost when you’re travelling in New Zealand. That’s why we cover for luggage and personal effects.
Your journey could be delayed by events outside of your control - like weather, or bushfires - so we provide cover for additional accommodation and meal expenses.
For full details on what our policies cover, see our travel insurance coverage page.
Explore our table of benefits below to see the policy benefits provided by our Domestic travel insurance policies. To find out more about our Domestic travel insurance policies, see the Policy Wording or get an instant quote now.
| Domestic Travel Insurance Policy Benefits | Single Trip | Frequent Traveller | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Luggage & Personal Items | |||
| Luggage & Personal Effects | ASO | $7,500 | $7,500 |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Pre-Departure Amendments to Journey | A | $2,000 | $2,000 |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | ASO | $2,000 | $2,000 |
| Travel Delay Expenses | SO | $2,000 | $2,000 |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | SO | $500 | $500 |
Rental Vehicle Excess | |||
| Rental Vehicle Insurance Excess | PSO | $5,000 | $5,000 |
This table is 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. All benefits are per traveller, unless specified. 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 Australia. |
|||
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
Travelling within your home country may be easier in some ways than travelling overseas, but plenty of things can still go wrong. Your items can still get damaged or stolen. You still might need to cancel your trip, you might need to go home early if a family member is unwell, or your rental vehicle might get stolen or damaged.
A domestic trip is a trip made within New Zealand, by a New Zealand resident that is at least 200 kilometres away from your home.
You must be a resident of New Zealand to purchase insurance with 1Cover. New Zealand residents who are eligible for full publicly funded healthcare.
If you take frequent Domestic Trips, you might want to consider a Frequent Traveller Policy. This is a convenient way to save time and potentially money, if you travel regularly around New Zealand. Find out more about Annual or Frequent Traveller policies.
While you are 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. There is legislation in place to prevent this. If you are a New Zealand permanent resident or citizen, you will likely have access to publicly funded healthcare or your private health insurance.
We offer domestic cover for all ages. Age limits do however apply to frequent traveller domestic insurance policies. See our Seniors Travel Insurance page for more details.
Domestic medical expenses are excluded, as well as a list of general exclusions that are listed in the Policy Wording. These general exclusions include but are not limited to; not acting in a responsible way to protect yourself, being intoxicated, or breaking the law. See the Policy Wording for the full list.
You must purchase an Adventure & Sports Pack to be covered for a range of adventure activities. While any medical costs arising from domestic activities can’t be covered, you may be covered if you need to forfeit pre-paid fees or deposits if you're unable to travel. The reason we can’t cover medical costs is that we can't take the place of domestic health insurance. There is legislation in place to prevent this.
If you are travelling in New Zealand waters on a cruise liner you will need to purchase our Cruise Pack add-on with your policy, selecting 'New Zealand Cruise' for your region.
This will ensure you are covered for emergency medical assistance and emergency medical and hospital cover, cancellations, missed departures and more. See our Cruise Travel Insurance page for more information.
Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle insurance. You have provision to claim for a reimbursement for excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement, if the Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody.
First, you might want to add the Ski Pack to your travel insurance policy. Then you should read our Skiing In New Zealand guide for everything you need to know about skiing Down Under.
Travelling means doing...especially in New Zealand! You can have fun while you’re away, and still have peace of mind.
First you'll need Cruise cover. Then you should read our cruising guide, which tells you the when, where and what of having the best cruise holiday ever.
If you’re on a long-term trip and you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details.
If you’re on an exciting, adventure trip, you need to add the Sports & Adventure Pack to your policy to ensure you’re covered. See PDS for full details.
Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.
1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.
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.
.png)
NZ
AU 