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Planning a trip soon? 1Cover offers a range of policies for travellers adventuring overseas, as well as domestic travel insurance for those exploring the far reaches of their own backyard in Australia. The available policies are tiered, ranging from comprehensive insurance solutions to bare-necessity medical-only policies. Let's break down what you need to know. 

About 1Cover

Since 2003, 1Cover, underwritten by Lloyds of London, has provided Australians with travel insurance policies at a variety of coverage levels. Their emergency assistance line is open 24/7, meaning if you find yourself in a pickle whilst abroad, you won’t be left hanging beside the telephone.

Cover information and limits in the table below verified as correct at 16 June 2024. Other information correct at the time of writing.

1Cover plans

1Cover’s selection of travel insurance policies includes International Frequent Traveller (a multi-trip travel insurance policy) for those who seek comprehensive travel coverage all year round and Domestic Frequent Traveller insurance, which could be ideal for those who travel interstate for work. 

When it comes to single-trip international travel insurance, they offer three ascending tiers to suit your personal needs: Medical Only, Essentials, and Comprehensive cover. We’ve outlined the details for these tiers of coverage, which can be found in the table below.

They also offer optional add-ons, such as the Cruise Pack or Winter Sports Pack coverage. If you’d like to find out more about 1Cover’s other tailored options, check out the 1Cover product disclosure statement (PDS) on their website, or keep reading.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Medical Only

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Activities covered
    More info
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $2,500

    • $5,000

    • $1,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $15,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Frequent Traveller

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • Unlimited

    • $15,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Does 1Cover Travel Insurance have COVID-19 coverage? 

Depending on your level of coverage, 1Cover offers some insurance for costs associated with COVID-19. 

1Cover’s PDS outlines the general exclusions related to COVID-19.

What optional extras can I add to my 1Cover policy? 

1Cover offers optional extras on their Comprehensive Travel Insurance policy, like the Cruise Pack and Winter Sports Pack. Keep in mind, including these in your cover comes at an additional fee, which can vary based on the details of your adventures.

Cover for specific pre-existing medical conditions can also be purchased on top of 1Cover’s policies for an additional premium. See the next section for a run-down of what’s already covered, and what travellers with pre-existing medical conditions options are.

Are pre-existing medical conditions covered under 1Cover’s Travel Insurance? 

While many pre-existing medical conditions aren’t covered under 1Cover’s policies, the conditions which are automatically covered might have some requirements that need to be met before you’re covered. 

If you have a pre-existing medical condition that isn’t listed under automatic coverage, then you must notify 1Cover and complete a medical assessment before you buy your policy. You won’t be covered for a medical mishap unless it’s listed on the PDS, or on your 1Cover policy certificate of insurance.

Be sure to check out the 1Cover PDS if you have any pre-existing conditions, so you know exactly what you’re insured for. Even if you think you might be automatically covered, there could be prerequisites you need to meet, so read carefully.

What do I do if there’s an emergency during my trip?

If there’s an emergency during your overseas trip, contact 1Cover’s 24/7 emergency assistance line on (+) 61 2 8776 3010, or email help@1cover.com.au.

If you’re calling from within Australia, contact 1Cover’s 24/7 emergency assistance line on 1300 844 508.

A list of toll-free international numbers are below, depending on where you are calling from: 

1Cover stresses that this number is only for emergencies and that all general enquiries can be lodged through their online enquiries form.

How do I make a claim with 1Cover Travel Insurance? 

You can make a claim with 1Cover through their online claims portal, or via email (claims@1cover.com.au), and have 30 days from when you return home to officially lodge it. With either method, it’s important to provide them with full and accurate information, which will depend on the type of claim you are making. 

When you make a claim, you’ll be asked to upload documents providing various forms of evidence showing the costs you’ve incurred. This can range from proof of your identification to receipts for lost belongings, an official police report, or medical reports and scans. What’s required depends on what kind of claim you’re filing. 

1Cover aims to assess your claim within 10 business days of receiving it. The process will (ideally) be more efficient if you provide all the relevant documents and info from the get-go. Once assessed, they’ll contact you with the outcome of your claim. 

Is it possible to cancel my 1Cover Travel insurance policy? 

1Cover offers a 14-day cooling-off policy, meaning you can request a cancellation within two weeks of receiving your policy confirmation. 1Cover will provide you with a full refund in this case. But keep in mind, the 14-day cooling-off period does not apply if you have already started your travels, or if you’ve started a claims process. 

If you want to cancel the policy after this time 1Cover will refund you the amount paid minus the proportion of the premium for the period in which you were covered. However, if you’ve started a claims process already, you won’t be able to get a refund.

1Cover customer reviews

The Mozo community has rated 1Cover’s travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

1Cover travel insurance
7.6

Overall 7.6

7.7

Value for money

5.9

Policy coverage

5.5

Customer service

4.6

Claims handling

7.6

Trust

163 Reviews

Recent 1Cover travel insurance customer reviews Recent 1Cover travel insurance customer reviews

1Cover logo

1Cover Travel Insurance review

Overall rating   3 / 10

1Cover make it impossible to make a claim

Airline lost my luggage. 1Cover wanted Proof of travel arrangements (eg. original flight itinerary showing departing and returning flights, accommodation invoice for placed you stayed at, etc.) List and Proof of purchase for all of the...

Full review

Airline lost my luggage. 1Cover wanted Proof of travel arrangements (eg. original flight itinerary showing departing and returning flights, accommodation invoice for placed you stayed at, etc.) List and Proof of purchase for all of the original items that were lost, stolen or damaged (e.g. receipts/bank statements confirming the purchase date and price) Proof of Loss (i.e. police report, report to hotel, airline etc.) Compensation letter from the airline, as to how much they are reimbursing you for losing your luggage. Just impossible to provide all the above.

    Customer service   3 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Uyvonne, New South Wales, reviewed 2 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   1 / 10

Breast cancer claim denied from a genuine family

We had a genuine claim for my wife’s breast cancer knocked back and not one call to explain why ??? Very poor communication and service !! Would NOT recommend !

Full review

We had a genuine claim for my wife’s breast cancer knocked back and not one call to explain why ??? Very poor communication and service !! Would NOT recommend !

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Andrew, Victoria, reviewed 7 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   8 / 10

Good coverage

Good price and good coverage. I never claim so I don’t know about claim handling.

Full review

Good price and good coverage. I never claim so I don’t know about claim handling.

    Value for money   9 / 10

    Policy coverage   10 / 10

    Customer service   7 / 10

    Claims handling   5 / 10

    Trust   8 / 10

Less

Eri, Queensland, reviewed 7 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   1 / 10

Be very careful if considering 1Cover

Would NOT recommend. Be very very careful if considering the company. We made a claim on a lost item and were made to feel like criminals by what in my opinion was a heartless, cold well trained expert at finding pinholes using fine print policy...

Full review

Would NOT recommend. Be very very careful if considering the company. We made a claim on a lost item and were made to feel like criminals by what in my opinion was a heartless, cold well trained expert at finding pinholes using fine print policy wording to avoid paying out on a minor claim. Thank goodness nothing serious happened on our trip. I feel they would have fought every inch of the way to to avoid any kind of claim. Dodged a bullet.

    Value for money   6 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Ian, Victoria, reviewed 11 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   8 / 10

ICover , does it all

Have used these guys for all our O.S. Travel , tried others many years ago, but found issues in the “small print” When we can travel again I suggest using 1Cover, includes pet cover. They are the best.

Full review

Have used these guys for all our O.S. Travel , tried others many years ago, but found issues in the “small print” When we can travel again I suggest using 1Cover, includes pet cover. They are the best.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   9 / 10

Less

Jeffrey, Queensland, reviewed over 2 years ago

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Compare 1Cover policies with other Australian insurance companies

Every trip is different and with such a wide range of travel insurance providers in the market, it’s always a smart idea to compare what different products have to offer before buying a policy. With online calculators like Mozo’s travel insurance comparison tool, it only takes a few minutes to shortlist the best policies based on your travel needs. All you need to do is punch in some basic travel information like your destination, travel dates and number of travellers to compare 1Cover travel insurance policies with other providers.

Don’t forget to check out our detailed travel insurance guides on different destinations like Europe, UK and Asia and also read our best $20 series for money savvy travel tips from real travellers!