1Cover vs Southern Cross Travel Insurance

• The benefits below cover a broad range of common travel risks. These include medical emergencies, trip interruptions or cancellations, personal liability, loss or damage of personal items, and additional services like rental car excess coverage and pet services. Our focus is on providing a list encompassing many of the primary areas of concern for most New Zealanders heading overseas.
  
• However, it's also essential to remember that individual needs and risks can vary greatly depending on the specifics of your trip and personal circumstances.
  
• For example, some travellers need specific coverage for high-risk activities such as snow sports, pre-existing medical conditions, or coverage for pregnancy. Others may need higher coverage limits depending on their destination or the value of the items they travel with.
  
• Whatever you buy, please ensure the policy you choose fits your specific needs and thoroughly understand the terms.
  

Medical Costs

• Southern Cross: Unlimited
  
• 1Cover: Unlimited
  

Cancelling or Changing Your Journey Before You Leave

• Southern Cross: $2,500 to unlimited per paying person
  
• 1Cover: Unlimited
  

Emergency Dental Treatment

• Southern Cross: $2,000 per paying person
  
• 1Cover: $1,000 per adult
  

Cash Allowance While in Hospital (after 72 hours)

• Southern Cross NZ: $100 for each complete 24-hour period, up to $3,000 per paying person
  
• 1Cover: Hospital cash allowance up to $5,000
  

Changes to Your Journey Once You've Left
Southern Cross NZ: Up to $50,000 per paying person
1Cover: Additional accommodation & travel expenses up to $50,000

Baggage and Personal Items
Southern Cross NZ: Up to $25,000 per paying person, with various sub-limits
1Cover: Up to $15,000

Cash, Bank Cards, Travel Documents, and Passports
Southern Cross NZ: Up to $1,000 per paying person (Cash up to $500)
1Cover: Credit card fraud & replacement up to $5,000, theft of cash up to $250

Personal Accident
Southern Cross NZ: Up to $50,000 per injured or deceased paying person
1Cover: Accidental death up to $25,000, permanent disability up to $25,000

Loss of Income
Southern Cross NZ: Up to $6,500 per injured paying person ($500 for each week)
1Cover: Up to $10,400

Personal Liability
Southern Cross NZ: $1,000,000 per paying person
1Cover: $5 million

Rental Vehicle Excess
Southern Cross NZ: $10,000 per paying person
1Cover: $5,000

Pet Services
Southern Cross NZ: $100 for each day, up to $1,000 per paying person
1Cover: Domestic pets up to $500