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the One thing you need when one thing goes wrong
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.
benefits of Domestic Travel Insurance
Domestic Rental car Excess
If something goes wrong with your domestic rental car, you won't be stung with an expensive excess from the rental car company.
Unlimited
Cancellation
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.
Luggage and Personal Items
Things can still get lost when you’re travelling in New Zealand. That’s why we cover for up to $15,000 worth of luggage and personal effects.
Travel
DelaysYour 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.
Table of Benefits - Domestic Travel Insurance
Explore our table of benefits below to see the policy benefitsprovided by our Domestic travel insurance policies. To find out more about our Domestictravel insurancepolicies, see the Policy Wordingor get an instant quote now.
Domestic Travel Insurance Policy Benefit | Domestic Travel Insurance Single Trip | Domestic Travel Insurance Frequent Traveller Annual |
---|---|---|
Medical - domesticTravel Insurance | ||
Overseas Emergency Medical Assistance^ | X | X |
Overseas Emergency Medical & Hospital Expenses^* | X | X |
Includes Dental Expenses (per adult)^ | X | X |
Resumption Of Journey^* | X | X |
Hospital Cash Allowance^* | X | X |
Accidental Death* | $25,000 | $25,000 |
Permanent Disability^* | X | X |
Loss of Income^* | X | X |
luggage- domesticTravel Insurance | ||
Credit Card Fraud & Replacement^ | X | X |
Includes Travel Documents & Traveller's Cheques^ | X | X |
Theft Of Cash^# | X | X |
Luggage & Personal Effects* | $15,000 | $15,000 |
Luggage & Personal Effects Delay Expenses^ | X | X |
cancellation- domesticTravel Insurance | ||
Additional Accommodation & Travel Expenses* | $50,000 | $50,000 |
Includes Family Emergency* | Yes | Yes |
Includes Emergency Companion Cover* | Yes | Yes |
Cancellation Fees & Lost Deposits* | Unlimited | Unlimited |
Disruption Of Journey* | $2,000 | $2,000 |
Alternative Transport Expenses^ | X | X |
ancilliary- domesticTravel Insurance | ||
Personal Liability# | $5 million | $5 million |
Domestic Pets^* | X | X |
Domestic Services^* | X | X |
Rental Vehicle Insurance Excess#* | $5,000 | $5,000 |
We've Already Helped
1.5 Million Customers
1Cover is rated 4.3out of 5,Independently Rated On Feefo
"Don't Leave Country Without it"
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
By Damiliya, Feefo User
"Good Value, Good Service"
Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.
By Kevin, Feefo User
"Exceptional Speed In Response To A Claim"
First time I've had to make a claim. Speed of process was quite unbelievable.
By Anon, Feefo User
FAQs:domestic Travel Insurance
Why do i need Domestic Travel Insurance?
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.
What constitutes as a domestic trip?
A domestictrip is a trip made within New Zealand, by a New Zealand resident that is at least100 kilometresaway from your home.
Who Can Purchase a Policy?
You must be a resident of New Zealand to purchase insurance with 1Cover.New Zealandresidents who are eligible for fullpublicly funded healthcare.
What if I take frequent domestic trips around New Zealand?
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.
Does Domestic Cover include Medical Assistance?
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.
Do seniors qualify for Domestic Insurance?
We offer cover for all ages. Depending on your age, we may require a little more information, and certain exclusions may apply. See our Seniors Travel Insurance page for more details.
Are there any exclusions for Domestic Cover?
Domestic medical expenses are excluded, as well as a list of general exclusions that are listed in thePolicy 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 Wordingfor the full list.
Does Domestic travel insurance cover adventure activities?
1Cover provides coverage for 100+ activities. While any medical costs arising from domestic activities can’t be covered, you may be coveredif 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.
Are kids covered for free on domestic policies?
Dependants are covered for no extra cost, so you have added peace of mind when you take the kids and grandkids and see what New Zealand has to offer. Please note that dependant children are classed as under 19 and travelling with their parents or grandparents for their whole trip.Please see thePolicy Wordingfor limits and exclusions, as well as all terms and conditions.
Is There An Excess On My Domestic Travel Insurance?
There is a $200 excess that is applicable per event per claim.
Am I Covered if i’m taking a domestic cruise?
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.
Do I Still Need Rental Vehicle Insurance?
Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle insurance. You have provision to claim for a reimbursem*nt of up to $5,000 (unless you have opted to increase your excess) for any 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.
READ ALL FAQS
domestic travel tips
Skiing Domestically?
First, you might want to add the Ski Pack to your travel insurance policy. Then you should read our Skiing In New Zealand guidefor everything you need to know about skiing Down Under.
100+ Activities covered
Travelling means doing...especially in New Zealand!Luckily we100+ activities. You can have fun while you’re away, and still have peace of mind.
Cruising Domestically?
First you'll needCruise cover. Then you should read our cruising guide, which tells you the when, where and what of having the best cruise holiday ever.
Customise your domestictravel insurance
DomesticCruise Pack
People often think cover isn’t needed for domestic cruise, but publicly funded healthcare won’t cover you once you leave New Zealand waters - not to mention missed departures and cabin confinement. See the Policy Wordingfor full details.
Read More
Domestic Winter Sports Pack
Whether it’s Thredbo, Perisher, or Falls Creek, you may want to add the Winter Sports Packto your policy to make sure you’re insured for ski sports in New Zealand. See Policy Wordingfor full details.
Read More
Additional rental Vehicle Excess
Road trips are part of the New Zealand experience. We cover rental vehicle excess up to up to $5,000. But you can choose to increase this amount up to $8,000.
Read More
Why Choose 1Cover Travel Insurance?
Pre-Existing Medical Cover
We automatically cover 35conditions under our policies. We knoweveryone is different and that's why our medical teamassess each pre-existing conditionon a case by case basis.
Trusted By2MillionPeople
We are proud to say that we've provided award-winning travel cover to more than 2 million travellersaround the world. You're sure to find apolicyto suit you.
24/7 Emergency Assistance
You can rest assured and travel with total confidence knowing that you have 24/7 emergency assistance at all times. We are there for you when you need us most.
Kids Are Covered For No Extra Cost
Travel with kids or grandkids? Any dependant under 19 years who travels with aparent or grandparent for 100% of the journey iscovered forno extracost on the policy.
Legendary Customer Service
Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out.
Rental VehicleExcess
Don't get ripped off by the rental companies. If yourrental vehicle isinvolved in an accidentor is stolen, our policies willcover the excess payable up to $5,000.
Still Need Some Help?
If you have any otherquestions 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.