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1Cover Travel Insurance
Our verdict: Unlimited cover for both overseas medical expenses and trip cancellation are a big plus but you'll want to check the fine print if you're after COVID-19 cover.
1Cover Travel Insurance offers unlimited cover for both trip cancellation and overseas medical expenses - The ultimate peace of mind when planning a holiday
Enjoy up to $5,000,000 personal liability cover when you choose 1Cover Travel Insurance. Many other providers cover much less than this.
Cons
This provider's COVID-19 cover doesn't extend to cancellation costs. If you get sick before or during your trip, you'll need to rely on your travel provider for any refunds.
1Cover travel insurance is not currently available via Finder. You can head to the 1Cover website or compare alternative options available below.
1Cover offers some cover for pandemic-related expenses but not everything you might need. All its policies cover overseas medical claims related to COVID-19 if you test positive and require emergency medical treatment. This includes:
Overseas hospital medical treatment
Ambulance transportation
Repatriation back to Australia
Where 1Cover falls short is with its cancellation cover. If you catch COVID-19 before you depart for your holiday or during your trip and need to cancel, you're out of luck here. This includes additional costs such as PCR tests or quarantine costs.
If you think you'll need more than overseas medical cover for COVID-19, we've compared all the providers that offer cover for pandemic-related expenses.
What do Australians think of 1cover travel insurance?
4.27/5 overall for Customer Satisfaction — higher than the average of 4.26
4.6/5 for Trust — higher than the average of 4.57
4.14/5 for Customer Service — lower than the average of 4.2
1Cover has seven different plans available to fi th the needs of a wide variety of travellers. Comprehensive, Essentials, Medical Only, Domestic and Already Overseas cover single trips while International Frequent Traveller and Domestic Frequent Traveller are annual policies that can cover multiple trips over the year.
Comprehensive
Essentials
Medical Only
Domestic
Already Overseas
Frequent Traveller (International or Domestic)
This insurance is underwritten by certain underwriters at Lloyd's. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 14 days and allows you to cancel your policy for a full refund provided you haven't started travelling or made a claim. All policies have a standard $200 excess which will be an out-of-pocket expense if you need to make a claim for an insured event. This excess can be reduced to $100 by paying extra on your policy.
Here's a breakdown of 1Cover travel insurance features
These are some of the features that 1Cover will cover if something goes amiss on your trip. Some of these benefits are only available for certain levels of cover (e.g. the Comprehensive policy vs Essentials).
1Cover offers three different add-on packs to give your travel insurance policy more flexibility. Not all plans are eligible to add on these packs.
Cruise pack. Get cover for your trip on the high seas. This pack includes cruise-specific cover for things like missed port connections and cancelled prepaid shore excursions.
High value items. If you're travelling with expensive gear that costs above 1Cover's limits, you have the option to take out extra cover in case your item is lost, stolen or damaged.
Rental vehicle insurance excess. If your policy includes rental car excess cover, you can increase the cover amount for a bit more money.
Winter pack. A must if your trip involves things like skiing or snowboarding. Get cover for unexpected accidents on the slopes and if you need emergency evacuation. This is only available for those 64 years and under.
Exclusions
1Cover Travel Insurance has some general exclusions listed in its Product Disclosure Statement (PDS) that you should be clear on. These include claims arising from:
Motorcycle or scooter accidents where the driver doesn't hold a valid motorcycle license
Any act of war, rebellion, revolution, insurrection or taking of power by the military
Travel to or remaining in a country with a warning risk rating of 'Do Not Travel'
Mandatory quarantine, lockdown, curfew, or isolation orders
Make sure you review 1Cover's PDS for a detailed breakdown of general exclusions.
How to make a 1Cover Travel Insurance claim
You can submit your claim by downloading a claim form online and posting it to PO Box 6798, Baulkham Hills, NSW 2153.
Alternatively, you can submit a claim online by following these steps:
Head to https://www.1cover.com.au/online-claim-form/
Enter your policy number, email and date of birth to log in
Complete your claim details by answering all sections
Upload any documents to support your claim
Submit, and you should hear back within 10 business days
Here's the bottom line about 1Cover Travel Insurance
With over 1.5 million customers, 1Cover is among the most well-known insurers in Australia. Some of the standouts of 1Cover travel insurance include emergency assistance anywhere in the world, free cover for the kids, no age limits and cover for certain pre-existing medical conditions.
Where 1Cover might be lacking for you can be found in the fine print. While COVID-19 overseas medical expenses are covered, cancellation costs are not. This might be sufficient if your travel arrangements are flexible and can be refunded but for some, that risk might be too great to take on. Senior travellers should also be wary. If you're aged 80 years or older, a $3,000 excess applies for any claims associated with an injury, illness or medical condition.
Like most insurers, you will usually need to disclose any pre-existing conditions when you apply for cover. However, 1Cover has 35 pre-existing conditions which they automatically cover. Under certain conditions, this can include diabetes, epilepsy, pernicious anaemia and asthma. Be sure to read their product disclosure statement before deciding whether or not you need to disclose information for pre-existing medical conditions.
A cruise pack add-on is available when you buy any 1Cover travel insurance plan, except Essentials and Medical Only plans. When you purchase cruise cover as an add on, you'll get cover for services like:
Cabin confinement
Prepaid shore excursions cancellation
Missed cruise departure
Missed port cover
Formal attire cover
Formal attire delay allowance
Yes, 1Cover lets you get a quote and apply for insurance all online. This means you can be covered straight away for any upcoming travel plans.
If you are already overseas, 1Cover can also provide you with travel insurance but coverage doesn't start until 72 hours from the start date on your Certificate of Insurance.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
If you are planning a getaway, ensure your financial safety with a comprehensive travel insurance policy. Comprehensive travel insurance protects both you and your travelling companion against an array of unforeseen events.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
We are booked on a cruise around Australia in October for one month and looking for travel insurance that covers all our needs and Covid.
Finder
JamesApril 20, 2022Finder
Hi Brian,
Please visit our guide to COVID travel insurance. You’ll be able to compare a range of insurance providers that include COVID-19 medical expenses.
Make sure to read the PDS of each provider before signing up with the one that meets your needs.
Regards,
James
ChrisMarch 5, 2019
What are the dollar limits on luggage lost by airlines?
NikkiMarch 6, 2019
Hi Chris,
Thanks for getting in touch! International cover for luggage and personal effects is $5,000 at the time of writing, with a $100 excess. However, this is for multi trip insurance only.
As it says on ther website, “when we receive a personal belongings claim, you have to provide proof of ownership for the lost or stolen items. We realise that policy holders cannot always provide receipts for each and every item, but you’ll still have to provide evidence of ownership. We can accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership.”
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
ChristineJanuary 10, 2019
I am going to England/Europe in April. I am just enquiring who is the underwriter for 1Cover
Finder
JohnJanuary 11, 2019Finder
Hi Christine,
Thank you for reaching out to finder.
This insurance is underwritten by certain underwriters at Lloyd’s. Hope this helps!
Cheers,
Reggie
KristieNovember 2, 2018
I would like a quote for travel insurance for my son. He is 23yrs old, Australian departing Japan on November 6, arriving in the USA on the same day. Not sure of when he will be returning home but presume it will be at least 6 months. He will be skiing while in the USA. Is this something you can help me with?
Finder
JhezelynNovember 9, 2018Finder
Hello Kristie,
Thank you for your comment.
We apologize for not being able to answer this comment before your son left for the USA. Anyway, as for the quote for the travel insurance, since your son is already overseas, he could have gotten a quote directly from 1Cover Already Overseas Travel Insurance by clicking the Get Quote button.
As for the other options of getting travel insurance back home, he may check our list of overseas travel insurance. It has the list of the insurers (2 insurers) that your son may take and get a quote directly while overseas. Also, kindly read the tips on how to go about getting insurance while overseas for your son.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
MaryOctober 18, 2018
Cruise from Australia visiting Singapore Thailand Vietnam Cambodia Malaysia . Dates 1st — 27rh Nov 2019. 1 person age: 76.
JoelOctober 19, 2018
Hi Mary,
Thanks for leaving a question on Finder.
If you a looking for travel insurance for a cruise you will need cruise cover. You can compare cruise policies using our comparison table. Just press the “Get quote” button to request free quotations.
When deciding on which policy you’ll want to consider a policy that covers any pre-existing medical conditions that you have. Once you find a policy that you prefer, you can go through to the provider’s page and get in touch with them in regards to any pre-existing medical conditions that you have.
Some benefits you may look for include:
Unlimited medical benefits
Cancellation cover that covers the cost of your trip
An excess that you are okay with paying e.g. you may have to pay an excess of $100 when you claim
Please send me a message if you need anything else. :)
Cheers,
Joel
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We are booked on a cruise around Australia in October for one month and looking for travel insurance that covers all our needs and Covid.
Hi Brian,
Please visit our guide to COVID travel insurance. You’ll be able to compare a range of insurance providers that include COVID-19 medical expenses.
Make sure to read the PDS of each provider before signing up with the one that meets your needs.
Regards,
James
What are the dollar limits on luggage lost by airlines?
Hi Chris,
Thanks for getting in touch! International cover for luggage and personal effects is $5,000 at the time of writing, with a $100 excess. However, this is for multi trip insurance only.
As it says on ther website, “when we receive a personal belongings claim, you have to provide proof of ownership for the lost or stolen items. We realise that policy holders cannot always provide receipts for each and every item, but you’ll still have to provide evidence of ownership. We can accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership.”
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
I am going to England/Europe in April. I am just enquiring who is the underwriter for 1Cover
Hi Christine,
Thank you for reaching out to finder.
This insurance is underwritten by certain underwriters at Lloyd’s. Hope this helps!
Cheers,
Reggie
I would like a quote for travel insurance for my son. He is 23yrs old, Australian departing Japan on November 6, arriving in the USA on the same day. Not sure of when he will be returning home but presume it will be at least 6 months. He will be skiing while in the USA. Is this something you can help me with?
Hello Kristie,
Thank you for your comment.
We apologize for not being able to answer this comment before your son left for the USA. Anyway, as for the quote for the travel insurance, since your son is already overseas, he could have gotten a quote directly from 1Cover Already Overseas Travel Insurance by clicking the Get Quote button.
As for the other options of getting travel insurance back home, he may check our list of overseas travel insurance. It has the list of the insurers (2 insurers) that your son may take and get a quote directly while overseas. Also, kindly read the tips on how to go about getting insurance while overseas for your son.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.
Regards,
Jhezelyn
Cruise from Australia visiting Singapore Thailand Vietnam Cambodia Malaysia . Dates 1st — 27rh Nov 2019. 1 person age: 76.
Hi Mary,
Thanks for leaving a question on Finder.
If you a looking for travel insurance for a cruise you will need cruise cover. You can compare cruise policies using our comparison table. Just press the “Get quote” button to request free quotations.
When deciding on which policy you’ll want to consider a policy that covers any pre-existing medical conditions that you have. Once you find a policy that you prefer, you can go through to the provider’s page and get in touch with them in regards to any pre-existing medical conditions that you have.
Some benefits you may look for include:
Please send me a message if you need anything else. :)
Cheers,
Joel