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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?

Founded in 2003, 1Cover is an Australian travel insurance specialist that also offers a number of a different types of insurance including  car and home insurance. Underwritten by Lloyds of London, 1Cover has provided cover to more than 1.5 million customers across the world.

Rates and fees verified as correct at 19 October, 2021. 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 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

    • Events
    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    More info
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $5,000

    • $1,000

    • $1,000

    • $1,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $2,000

    • Events
    • $15,000

    • $2,000

    • $2,000

    • $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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Frequent Traveller (21 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $2,000

    • Events
    • $15,000

    • $2,000

    • $2,000

    • $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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Frequent Traveller (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $2,000

    • Events
    • $15,000

    • $2,000

    • $2,000

    • $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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    More info
    • Frequent Traveller (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $2,000

    • Events
    • $15,000

    • $2,000

    • $2,000

    • $3,000

    • $5,000

    • $2,500

    • $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

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • 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).


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 Travel 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
7.7

Overall 7.7

7.7

Value for money

6.4

Policy coverage

6.4

Customer service

5.9

Claims handling

7.7

Trust

159 Reviews

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

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 14 days ago

1Cover logo

1Cover Travel Insurance review

Overall rating   6 / 10

What in the world

They did the job

Full review

They did the job

Less

Jacinda, Victoria, reviewed about 2 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   8 / 10

Overall good cost for benefits provided.

Go to for travel insurance with reasonable rates with good coverage. Last trip went to get insurance once landed and realised only covered if you haven’t left home which is a bummer. Seems the same for all insurance providers would be good to have...

Full review

Go to for travel insurance with reasonable rates with good coverage. Last trip went to get insurance once landed and realised only covered if you haven’t left home which is a bummer. Seems the same for all insurance providers would be good to have this option.

    Value for money   7 / 10

    Policy coverage   9 / 10

    Customer service   8 / 10

    Claims handling   9 / 10

    Trust   7 / 10

Less

Tyrone, Queensland, reviewed 7 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   7 / 10

Good, affordable cover for multi-trip travel

Good policies for year round travel (expensive if just using for a one off trip). Be careful to read disclaimers however (eg flight being moved by airline did not count as a reason to receive re-imbursement for subsequent missed flights).

Full review

Good policies for year round travel (expensive if just using for a one off trip). Be careful to read disclaimers however (eg flight being moved by airline did not count as a reason to receive re-imbursement for subsequent missed flights).

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   8 / 10

    Claims handling   5 / 10

    Trust   8 / 10

Less

Alexandra, New South Wales, reviewed 11 months ago

1Cover logo

1Cover Travel Insurance review

Overall rating   10 / 10

Helped us with an accident overseas.

Have had to claim with this company whilst overseas and in an accident. Could not believe how quickly they helped us and paid for things and reimbursed us. Even through the middle of the night!

Full review

Have had to claim with this company whilst overseas and in an accident. Could not believe how quickly they helped us and paid for things and reimbursed us. Even through the middle of the night!

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Natalie, New South Wales, reviewed 12 months ago

Hide reviews

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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!