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.

• Do i need a schengen Visa for Europe?

• New Zealand passport holders generally don't not need a visa for short stays in Europe, but some residents residing in New Zealand may need a Schengen visa, depending on their citizenship. To determine whether you need a visa, please check this website for more details. 

• 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?

• The default cover amount we offer is for up to $5K, but you have the option to increase this to $6K, $7K or $8K.
  
  We will reimburse you up to the rental vehicle excess insurance amount listed on your policy, covering any excess you are legally liable to pay under your rental vehicle hiring agreement.
  
  Rental vehicle excess is payable if your rental vehicle is involved in an accident while you are driving, or if the rental vehicle is damaged or stolen while in your custody.
  
  Please be aware this benefit does not take the place of rental vehicle insurance. Also, there are a range of conditions that must be met for cover to be available under this benefit. View the full list of conditions here.

• 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.

• Can I Choose My Excess?

• Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

• 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.

• Do you cover seniors travelling to Europe?

• We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

• Am I Covered If I'm Pregnant When I'm Travelling To Europe?

• If you're travelling to Europe while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.
  
  We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.
  
  Please note: we will not pay any medical expenses for:
  a) Regular antenatal care;
  b) Childbirth at any gestation; or
  c) Care of the newborn child. 
  
  Find more 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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