Inclusions, exclusions and other key features to look out for
Winter activities
Snow enthusiasts can get cover for winter sports such as skiing and snowboarding with 1Cover’s Winter Sports Insurance policy. This includes events on and off piste within the resort boundaries.
Fine print: You’ll need to pay extra for certain activities such as heli-skiing. Also, if you’re looking for professional ski insurance, contact 1Cover’s call centre for more information.
Cruise insurance
Headed on a cruise? 1Cover’s cruise insurance will cover you for situations such as a medical emergency, family emergency and cancellations due to natural disasters. The insurance will also cover $15,000 worth of luggage and personal effects.
Fine print: Once you’re off Australian soil, you’re no longer covered for medical situations by Medicare. So, even if you’re travelling on a domestic cruise, you’ll still need overseas travel insurance.
Seniors travel insurance
Anyone can apply for a basic or comprehensive travel insurance policy at 1Cover regardless of how old you are. 1Cover’s travel insurance for seniors provides cover for situations such as medical emergencies, luggage and personal belongings as well as cancellations and covers trips that are up to 12 months long.
Fine print: Depending on your age, you may be asked for some additional information and anyone who is 80 years or above, will need to submit a Medical Declaration Form. Also, while travellers over the age of 60 are covered on a single trip basis, they don’t have access to 1Cover’s multi-trip policy.
Family insurance
Good news for families travelling overseas - 1Cover offers family policies that cover dependents at no extra cost when travelling with a parent or guardian. Apart from that you get the usual benefits of cover for medical expenses, luggage and personal effects, cancellation and family emergency.
Fine print: ‘Dependant’ refers to your children or grandchildren who are under the age of 21, not in full time employment, and are travelling with you on the journey.
Important information for ensuring a successful 1Cover travel insurance claim
Once you’ve shortlisted a travel insurance policy that’s best suited for your trip, don’t forget to familiarise yourself with the procedure to file a successful claim in case the need arises. Many travellers have their claims delayed or rejected because they don’t bother reading the small print of a policy. Here are some quick tips to ensure a successful insurance claim with 1Cover:
- Mention any pre-existing conditions like a heart condition or pregnancy before you buy the policy so you know exactly what you’re covered for. 1Cover automatically includes 34 conditions under their travel insurance policies, but since every individual could have a different situation, they assess pre-existing conditions on a case-by-case basis
- Always keep receipts for any precious items that you’re planning on carrying with you. It’s also a good idea to keep photographs of your belongings so you can prove you had those items in case they are lost or stolen
- The same rule applies to any new purchases you make on your trip. Save any invoice or receipt that you could require at the time of submitting the claim
- In case of a theft you must report it to the local police or other relevant authorities within 24 hours. Don’t forget to keep a copy of the official report or a written statement to attach with your insurance claim
- If you or a co-traveller faces a medical emergency, you should first get help and save any receipts or invoice to prove your expenses. Once you’re sure there’s no immediate danger, call 1Cover’s emergency helpline to inform them of your situation
- Submit your completed claim within 30 days of your return. The simplest and fastest way to do this generally is to download and fill out the 1Cover Online Claim form and then email it with any required documentation
- Save a copy of the claim for your own records.
How to make a claim with 1Cover
You shouldn’t have any trouble making an insurance claim with 1Cover - it’s a fairly simple process involving these three steps:
Call 1Cover: When you need to make an insurance claim, call the 1Cover Claims Team and they’ll guide you through the next steps keeping in mind your situation. They might be able to give you a coverage decision on the spot and they’ll also tell you of any supporting documents you may need to attach with your application. Before calling however, it’s a good idea to keep your policy number handy to speed up the process.
Gather your documents: Once the claims team has informed you of the next steps, it’s time to collect all your supporting documentation. Remember that every kind of insurance claim may need different types of documentation. For example, a medical or dental claim will require medical reports and receipts, whereas in case you’ve misplaced your luggage or other belongings you’ll need to report it immediately to the police or other relevant authorities and provide a written notice as well as proof of ownership.
Complete and submit the claims form: Make sure you’ve submitted full details of any claim in writing within 30 days of your return. Download, print and complete the 1Cover Claims Form and attach all supporting documents. You can then submit the claim via post or email. Your claim will be processed within 10 business days of receiving the complete claims form with all necessary documents. You can make more than one claim under one policy.
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