1Cover Travel Insurance

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.

1Cover's Comprehensive policy won an Exceptional Value Comprehensive Travel Insurance award in the 2023 Mozo Experts Choice Travel Insurance Awards and an Excellence Claims Experience award in the 2023 Mozo People's Choice Awards.

Cover information and limits in the table below verified as correct at 8 December 2023. 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.

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: 

• UK: 0808-178-5380  

• Australia: 1300-884508

• New Zealand: 0800-192742

• Thailand: 1800 011 857 

• USA/Canada: 1 855-912-3443

• Indonesia: 001 8030 612 053

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.

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!