1Cover Travel Insurance
Online travel insurance issued and managed by 1Cover NZ Limited and underwritten by HDI Global Specialty SE.
Who provides this policy
Read from the insurer's own website and the Financial Service Providers Register on 30 September 2026.
- Issuer and underwriter
“1Cover Travel insurance is issued and managed by 1Cover NZ Limited Company No.1588084, FSP472306. […] This insurance is underwritten by HDI Global Specialty SE, a company registered in Germany acting through its New Zealand branch, HDI Global Specialty SE – New Zealand (FSP 774050).”
source: 1cover.co.nz- FSP registration
- FSP472306 — 1Cover NZ Limited source: 1cover.co.nz
- FSP774050 — HDI Global Specialty SE – New Zealand source: 1cover.co.nz
- Official website
- 1cover.co.nz
- Phone
- 0800 422 400source: 1cover.co.nz
- Policy wording
- 1Cover policy details and wording
Cover limits and excesses
We have not yet published cover limits, excesses or prices for 1Cover Travel Insurance. They depend on the plan and options you choose, and they are set out in the policy wording and on your quote. Use the checklist below when you read it.
What to check in the 1Cover Travel Insurance wording
SafeTravel, the Government's travel advice service, recommends checking that a policy covers the activities you have planned, your destinations and the needs of everyone travelling (SafeTravel — Travel insurance). These are the points worth comparing between any two policies:
| Feature to check | Where to find it in the wording | Why it matters |
|---|---|---|
| Overseas medical and evacuation | Table of benefits; the overseas medical and emergency expenses section | Treatment and evacuation overseas can be expensive, and the New Zealand Government will not pay these costs (SafeTravel). Check whether the limit is stated as a dollar amount or unlimited, and any sub-limits. |
| Pre-existing medical conditions | Pre-existing conditions section, and the insurer's medical assessment process | Some conditions may be covered automatically, some need an assessment and some are excluded. An undeclared condition can put a claim at risk. |
| Cancellation and amendment | Cancellation section and the list of covered reasons | Only the reasons listed are covered, usually only for events after you bought the policy. Check the limit against what you have prepaid. |
| Excess | Schedule / certificate of insurance and the excess clause | The amount you pay towards each claim. A higher excess usually lowers the premium, and some sections may carry their own excess. |
| Luggage and personal items | Luggage section; item and category limits in the table of benefits | Per-item limits are often much lower than the section total. Phones, cameras and jewellery may have their own limits or conditions. |
| Activities and sports | Activities list, general exclusions, and any add-on options | SafeTravel advises buying a policy that covers the activities you have planned. Skiing, diving, scooter or motorbike riding and cruises often have conditions or need an add-on. |
| Destinations and travel advisories | Region definitions on the schedule; general exclusions | Many policies will not cover travel to countries or regions SafeTravel advises against visiting. The region on your quote must match your trip. |
| Age and trip-length limits | Eligibility section; annual multi-trip conditions | Insurers set their own maximum ages and trip lengths, which can differ by plan. |
| Rental vehicle excess | Rental vehicle section (sometimes an option) | Covers the excess charged by a rental company after damage or theft, within the policy's conditions. |
| General exclusions | General exclusions section | Applies across the whole policy — for example alcohol or drug-related events, unlicensed driving, or known events at the time you bought cover. |
Frequently Asked Questions
Who issues and underwrites 1Cover Travel Insurance?
Online travel insurance issued and managed by 1Cover NZ Limited and underwritten by HDI Global Specialty SE. The insurer's own website states: "1Cover Travel insurance is issued and managed by 1Cover NZ Limited Company No.1588084, FSP472306. […] This insurance is underwritten by HDI Global Specialty SE, a company registered in Germany acting through its New Zealand branch, HDI Global Specialty SE – New Zealand (FSP 774050)."
Where can I read the 1Cover Travel Insurance policy wording?
The insurer publishes it at https://www.1cover.co.nz/policydetails/. The policy wording, together with your certificate of insurance, sets out exactly what is covered, the limits and excesses, and the exclusions. Read it before you buy, and check that the version matches the date you are buying.
How do I contact 1Cover Travel Insurance?
The insurer's website lists 0800 422 400. Its website is https://www.1cover.co.nz/. For emergencies while travelling, use the emergency assistance number printed in your policy documents.
Is this page a recommendation of 1Cover Travel Insurance?
No. This page is general information about who provides the policy and where to read its wording. To request a quote through this site, use the quote form: your details go to Evolve Group Limited (FSP711891), who will contact you.
Request a quote
This page is general information about who provides 1Cover Travel Insurance; it is not a recommendation. To request a quote, send your trip details through the quote form; they go to Evolve Group Limited (FSP711891), who will contact you.