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.

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Cristal Dyer

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Pros

  • 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.

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Summary of 1Cover's Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age LimitNo limit

Table updated November 2022

How does 1Cover Travel Insurance cover COVID-19?

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

Based on 1cover travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies does 1Cover offer?

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.

Travel plane luggage passport

Comprehensive

Passport

Essentials

Hospital

Medical Only

Australian Map Icon

Domestic

Bags

Already Overseas

Hiking

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

Standard features
Optional add-on
Exclusions

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Standard 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).

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Optional add-on

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.

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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
  • Pregnancy after the 24th week or any previously identified complications unless approved by 1Cover
  • Travel booked or undertaken against the advice of a medical adviser
  • Elective surgery or treatment
  • A pre-existing medical condition not approved by 1Cover
  • You being under the influence of any intoxicating liquor or drugs except those prescribed by a medical adviser
  • Quad biking, mountaineering or rock climbing using ropes or climbing equipment
  • Suicide or attempted suicide, physical, mental or emotional exhaustion
  • Hiking or trekking within an altitude limit above 3500 metres (including Everest base camp)

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:

  1. Head to https://www.1cover.com.au/online-claim-form/
  2. Enter your policy number, email and date of birth to log in
  3. Complete your claim details by answering all sections
  4. Upload any documents to support your claim
  5. 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.

If you're not quite sure about 1Cover, you can compare other travel insurance companies here.

Frequently asked questions

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Writer

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

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22 Responses

    Default Gravatar
    BrianApril 7, 2022

    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.

      AvatarFinder
      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

    Default Gravatar
    ChrisMarch 5, 2019

    What are the dollar limits on luggage lost by airlines?

      Default Gravatar
      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

    Default Gravatar
    ChristineJanuary 10, 2019

    I am going to England/Europe in April. I am just enquiring who is the underwriter for 1Cover

      AvatarFinder
      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

    Default Gravatar
    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?

      AvatarFinder
      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

    Default Gravatar
    MaryOctober 18, 2018

    Cruise from Australia visiting Singapore Thailand Vietnam Cambodia Malaysia . Dates 1st — 27rh Nov 2019. 1 person age: 76.

      Default Gravatar
      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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