Before you buy, please read our travel alerts.
Travel Insurance for your whole family under one policy whether you’re going overseas or travelling around New Zealand.
1Cover covers for 100+ adventure activities.
Whether you’re travelling around New Zealand or going round the world with your family, we have different policies to suit you and your loved ones.
You may have to cancel or switch things around at times, and we can cover for cancellation fees or lost deposits.
If you need to extend or shorten your journey, we can provide up to $50,000. Please see the Policy Wording for details.
Going for a family snow trip? You need to add 1Cover’s ski-pack to be protected on the slopes.
If you’re taking a cruise, you need to add the cruise to be adequately covered while out at sea
If you're planning to take High Value Items on your family trip, you can choose this add-on when buying your family travel insurance.
Read the full policy wording in our Policy Wording for more details, including full terms and conditions. Limits and exclusions apply.
“They’ve got no idea..it can save your life.”
Watch the emotional story of Isabella Eaton, a little girl who travelled to Bali with her parents Tabitha and James.
See how 1Cover were able to help when Isabella nearly died - and why James thinks buying travel insurance is the most important decision you'll make when you go on holiday with your children.
Decide on what’s the best travel insurance for you and your family. Explore our table of benefits below to compare with other travel insurers.
| Family Travel Insurance - Policy Benefit |
Comprehensive/ Frequent Traveller (per adult) |
Medical Only |
|---|---|---|
Medical |
||
|
Overseas Emergency Medical Assistance^ |
Unlimited |
Unlimited |
|
Overseas Emergency Medical & Hospital Expenses^* |
Unlimited |
Unlimited |
|
Includes Dental Expenses (per adult)^ |
$1,000 |
$500 |
|
Resumption Of Journey^* |
$3,000 |
x |
|
Hospital Cash Allowance^* |
$5,000 |
x |
|
Accidental Death* |
$25,000 |
x |
|
Permanent Disability^* |
$25,000 |
x |
|
Loss of Income^* |
$10,400 |
x |
Luggage |
||
|
Credit Card Fraud & Replacement^ |
$5,000 |
x |
|
Includes Travel Documents & Traveller's Cheques^ |
Yes |
x |
|
Theft Of Cash^# |
$250 |
x |
|
Luggage & Personal Effects* |
$15,000 |
x |
|
Luggage & Personal Effects Delay Expenses^ |
$250 |
x |
Cancellation |
||
|
Additional Accommodation & Travel Expenses* |
$50,000 |
x |
|
Includes Family Emergency* |
Yes |
x |
|
Includes Emergency Companion Cover* |
Yes |
x |
|
Cancellation Fees & Lost Deposits* |
Unlimited |
x |
|
Disruption Of Journey* |
$2,000 |
x |
|
Alternative Transport Expenses^ |
$5,000 |
x |
Ancillary |
||
|
Personal Liability# |
$5 million |
$5 million |
|
Domestic Pets^* |
$500 |
x |
|
Domestic Services^* |
$500 |
x |
|
Rental Vehicle Insurance Excess#* |
$5,000 |
x |
Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the New Zealand Cruise region. This add-on is available with Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more.
Yes, you can apply to extend your policy by either getting in contact with our friendly call centre team or alternatively you can log in to our Policy Manager.
We advise that you log in to the Policy Manager or contact us as soon as you know you need to extend your policy (ideally 7 days (NZST) before your policy is due to expire), so that we can make sure your extension is guaranteed. Once a policy lapses we are unable to extend it.
Going on a cruise with your family? Even when you’re cruising in New Zealand waters, you won’t be covered for medical costs on board. 1Cover’s cruise pack covers from ship to shore. See the Policy Wording for full details.
If you’re hitting the slopes with the family, the Winter Sports Pack covers winter sports activities such as skiing and snowboarding. See the Policy Wording for full details.
Most of 1Cover’s policies protect you with up to $5000 in rental vehicle excess cover. But if you’re hiring a car to take the family around, you have the option of increasing this cover to $8,000.
“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!
Do you or anyone you’re travelling with have pre-existing medical conditions? Find answers to all your medical related questions here.
Going cruising with young kids? Or maybe you’re taking teenagers on the high seas? Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.
Going on a Skiing Holiday? Going skiing in Japan, New Zealand, Australia, USA, Canada, or Europe? Don’t book without reading this handy guide on where and when to go.
From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not.
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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