1Cover Travel Insurance

1Cover

If you’re considering getting travel insurance from 1Cover for your next international holiday, read ahead to know more about the company and the policies it offers. Whether you’re after individual, family or group insurance, 1Cover has a number of options you can choose from.

Who is 1Cover?

1Cover is an Australian insurance company that was founded in 2003 and offers travel, car as well as home insurance. Underwritten by Allianz Australia Insurance Limited, 1Cover has provided cover to more than 1 million customers across the world.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

1Cover plans

From basic and comprehensive levels of overseas travel insurance to annual multi-trip policies, 1Cover has a range of offers to suit all kinds of travellers and itineraries. Check out a range of travel insurance policies available for individuals, corporate travellers, school groups and families:

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Basic

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $5,000

    • Events
    • $5,000

    • $1,000

    • $1,000

    • $1,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $15,000

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-Trip (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $15,000

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Basic

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Essential

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • $10,000

    • Events
    • $10,000

    • $2,000

    • $2,000

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • $100,000

    • $100,000

    • $6,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • $5,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-Trip (90 days)

    • Per group

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $30,000

    • $100,000

    • $100,000

    • $6,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • $5,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

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).


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:


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.


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

Overall 7.8*

Value for money

Trust

141 Reviews

* Overall rating based on reviews in the past 12 months.

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

1Cover

1Cover travel insurance review

Overall rating   9 / 10

Competitive rates, professional staff.

Settled claim promptly and without undue questions. Have provided subsequent cover.

Full review

Settled claim promptly and without undue questions. Have provided subsequent cover.

    Value for money   9 / 10

    Trust   9 / 10

Less

Keith (VIC), reviewed 5 months ago

1Cover

1Cover travel insurance review

Overall rating   5 / 10

Ordinary service.

Claim took months

Full review

Claim took months

    Value for money   3 / 10

    Trust   5 / 10

Less

Brad (WA), reviewed about 1 year ago

1Cover

1Cover travel insurance review

Overall rating   7 / 10

Even received a free travel sim

Very easy to work with.

Full review

Very easy to work with.

    Value for money   8 / 10

    Trust   8 / 10

Less

Tina (QLD), reviewed about 1 year ago

1Cover

1Cover travel insurance review

Overall rating   5 / 10

Competitive and great to deal with!

It was easy to join online and the premiums were competitive.. we were stranded overseas for 24 hrs on our way home, started to process a claim easily but in the end didn't need to as QANTAS footed the bill and once you take the excess in to...

Full review

It was easy to join online and the premiums were competitive.. we were stranded overseas for 24 hrs on our way home, started to process a claim easily but in the end didn't need to as QANTAS footed the bill and once you take the excess in to consideration it wasn't worth it

    Value for money   7 / 10

    Trust   6 / 10

Less

Kaye (VIC), reviewed about 1 year ago

1Cover

1Cover travel insurance review

Overall rating   8 / 10

Good advice when bitten by monkey

Was bitten by a monkey, they offered great assistance with what to do, where to go etc. Refunded all expenses. Required a lot of paperwork, couldn't do it all online.

Full review

Was bitten by a monkey, they offered great assistance with what to do, where to go etc. Refunded all expenses. Required a lot of paperwork, couldn't do it all online.

    Value for money   8 / 10

    Trust   7 / 10

Less

Hannah (NSW), reviewed 12 months ago

Hide reviews

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Compare 1Cover policies with other Australian Insurers

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!

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