Europe Travel Insurance

• Do Reciprocal Health agreements apply in Europe? 

• New Zealand has reciprocal health care agreement with the United Kingdom only. No other European countries fall under this agreement. Reciprocal health care agreements provide health care in some circumstances, but will not cover all health care needs - in particular emergency assistance and repatriation, costs of medicines and dental care. Find out more here. 

• I’m Travelling To Multiple Countries Around Europe. Do I Need To List All My Destinations?

• When you apply for a policy you need to tell us where you are travelling to. The premium you pay for the policy depends on your destination(s). The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit. 
  
  If you're travelling to multiple countries around Europe, you need to nominate the countries when you are applying for cover. 
  
  If you’re going on a cruise, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack, you won't be covered while on the ship. There is, however, no cover under any sections of the policy when you are on a cargo ship or freighter.

• Can I Apply To Extend My Travel Insurance Policy While I’m Away?

• Yes, of course. If you want to extend your policy while you’re in the Europe, the easiest way to do this is via the Policy Manager.
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires. 
  If you have trouble, you can email us at [email protected]
  
  Please note there may be instances where a policy extension is not available. 

• Will You Pay My Hospital Bills If I get Sick Or Injured In Europe?

• Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
  
  In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Europe.

• Am I Covered For Off-Piste Skiing & Snowboarding in Europe?

• Yes, we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.​
  
  You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. This is a popular addition for people visiting ski areas in France, Austria, Switzerland, and more. 

• What Do I Do If I get robbed in Europe?

• If you are robbed while you’re on holiday, you should report the theft to the police or nearest local authority immediately. You will also need to obtain a written report to be used as supporting documents for your claim.

• I’ve reached Europe and the airline Has Lost My Luggage. Will 1Cover Replace The Items?

• If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
  
  However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

• What Is Covered Under Rental Vehicle Excess while I’m in Europe?

• Our Comprehensive, Overseas Frequent Traveller, and Already Overseas policies, rental vehicle insurance excess cover is not included automatically. Under these policies, you can add cover for rental vehicle insurance excess up to $10,000 by paying an additional premium.

• What Happens If I Encounter Terrorism Or Political Unrest In Europe?

• In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
  
  However, if you do get caught up in an unforeseen event while you are in Europe and you are injured, cover is available for all necessary medical/hospital expenses.

• I travel to Europe a few times a year. What’s the best policy for me?

• We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 
  
  Find out more about our annual travel insurance policies here.

• Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.
  
  Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

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