What is included in a 1Cover International Travel Insurance policy?
Depending on which coverage policy you end up choosing, and any add-ons you might need to purchase on top, 1Cover’s policy inclusions may differ greatly. As standard, the following inclusions can be expected across all of 1Cover’s international policies:
But remember: check Mozo’s data fields or the 1Cover PDS for details on pay-out limits and general exclusions for specific areas across the Medical Only, Essentials and Comprehensive policy options.
Moving up the tiers, to the Essentials and Comprehensive policies, one can expect additional coverage for:
Credit card fraud and replacement
Luggage and personal effects
Cancellation fees and lost deposits
Finally, with 1Cover’s most extensive policy option, Comprehensive coverage, you can add the following:
Resumption and disruption of journey expenses
Hospital cash allowance
Permanent disability
Loss of income
Travellers cheques and travel documents
Theft of cash
Luggage and personal effects (stolen, accidentally damaged, or lost)
Luggage and personal effect delay expenses
Additional accommodation and travel expenses
Family emergencies
Emergency companion cover
Alternative transport expenses
Domestic pets expenses (kennel and boarding fees) when return is delayed
Domestic services costs as a result of disability incurred during your trip
Rental vehicle insurance excess
Does 1Cover Travel Insurance have COVID-19 cover?
Depending on your level of coverage, 1Cover offers some insurance for costs associated with COVID-19. Under the Medical Only and Essentials Travel Insurance policies, emergency medical assistance, overseas emergency and hospital expenses, and repatriation of remains related to COVID-19 are covered. However, if you wish to be covered for a hospital cash allowance ($50 for each day you are in an overseas hospital, over 48 hours), then the Comprehensive policy could be the better option.
1Cover’s PDS outlines the general exclusions related to COVID-19, including the stipulation that you must have received a positive diagnosis of the Coronavirus (COVID-19 or SARS-COV-2, or any variation of those) by a qualified medical practitioner whilst travelling to be covered.
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.
If you add on the Cruise Pack to your Comprehensive policy, you can expect to be covered for:
Pre-paid shore excursion cancellation
Missed cruise departure
Cabin confinement or loss of enjoyment (resulting from illness or injury)
Missed port cover (if your cruise vessel does not dock at a scheduled port due to weather conditions or natural disaster)
Formal attire cover (in the case of it being stolen, damaged, permanently lost, or delayed, misdirected, or misplaced)
If you add on the Winter Sports Pack to your Comprehensive policy, you can expect to be covered for:
Emergency rescue
Injury and illness, resulting in you not being able to utilise the full duration of your ski passes, ski hire, and tuition fees
Lift closures due to bad weather or power failure
Bad weather and avalanche closures
Winter sports equipment hire (in the case of accidental loss, theft, or damage to your equipment, or misdirection or delay for a period of over 24 hours)
Winter sports equipment excess
Adding either of these additional packs to your 1Cover policy will increase your premium. But if you get into trouble tackling a black run or see your cruise ship sailing away without you, you may not be covered without these policy add-ons (whether your travel mishap was directly or indirectly related to those activities). Be sure to check the 1Cover PDS, which can be found on their website, for more details.
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. For all automatically covered conditions, you need to have been stable for more than 12 months, with no plans for surgeries or specialist treatment, and no hospital visits related to treating said condition.
Some of the 35 pre-existing medical conditions which do qualify for automatic coverage include allergies (like eczema and food intolerance), asthma, coeliac disease, epilepsy, sleep apnoea, and even bunions. But keep in mind, you may have to meet specific criteria to get automatic coverage for some of these. For example, asthma is only covered for travellers under 60 years old with no other lung diseases, and epilepsy is only covered if you’ve been seizure-free for over 12 months and aren’t taking more than one anticonvulsant medication.
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.
Pregnant travellers are also covered under 1Cover’s policies. If you’re pregnant with one child , you’ll be covered up to the end of the 24th week of pregnancy, whereas those carrying twins (or more!) are generally covered up to the end of the 19th week. Just remember, 1Cover won’t cover antenatal care (visits to the midwife or doctor during pregnancy), the childbirth itself, or any costs associated with the care of the newborn child.
If there have been complications related to your pregnancy, then 1Cover requires you to complete a medical assessment, which may affect the limitations of your cover and the premium you pay.
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 sporting activities are covered?
If you’re engaging in any sort of professional sports activity, then unfortunately you won’t be covered under 1Cover’s policies. There’s also a list of specific non-pro sports which aren’t covered. These are generally higher-risk activities, including things like hunting, parachuting and hang gliding, hiking or trekking at an altitude above 3,500 metres (like Everest base camp), or competing in sports like polo and rugby league, among others.
However, you can apply for cover for snow sports with 1Cover’s Winter Sports Pack. Scroll up to the optional extras FAQ for more information on how you can add travel insurance for your trip to the snow.
What exclusions are there to look out for in a 1Cover Travel Insurance policy?
1Cover’s policies provide coverage across a variety of potential misadventures, however there are times when your claim will be denied, depending on the circumstances. The full list of general exclusions is available in 1Cover’s PDS, but a few examples include:
If you don’t act in a responsible way to protect yourself or your property. This could include something like leaving personal items or luggage unattended in an unlocked car.
If your claim relates to a failure on your behalf to get the relevant visa, passport or travel documents, hindering the continuation of your travels.
If you break the law, any government prohibition, or regulation, including visa requirements.
If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Department of Foreign Affairs and Trade.
If you’ve been advised not to travel by a doctor.
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:
If you’re calling from within Australia, contact 1Cover’s 24/7 emergency assistance line on:
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?
There are a few important things to note when it comes to lodging a claim with 1Cover. First, some of the policies require you to contact the emergency assistance line as soon as possible. For example, in the case of an overseas medical emergency, or if you require emergency medical and hospital expenses, or even if you’re involved in an emergency rescue, you must first notify the emergency assistance line of the issue at hand. Otherwise, 1Cover may not pay out your claim.
1Cover also requires you to take action as soon as you can, depending on the type of claim you’re seeking to make. If your claim involves public liability, you must not admit fault for any event, offer to pay someone money, or become involved in legal action without express approval by 1Cover.
If your claim relates to stolen personal effects or luggage, you have to give 1Cover evidence of a police report being lodged as soon as possible. If your belongings are damaged or misplaced by an airline or accommodation provider, you must obtain a written report from the responsible party which includes any settlement offer they may have made to you.
Step 1 - Submitting a claim
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.
Step 2 - Provide the supporting documents
When you make a claim, you’ll be asked to upload documents providing various forms of evidence showing the costs you’ve incurred or the value of lost or damaged items . This can range from proof of your identification, to receipts for lost belongings, an official police report if your luggage was stolen, or medical reports and scans. Again, what’s required all depends on what kind of claim you’re filing.
Step 3 - Assessing your claim
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.
Step 4 - Accepting your claim
After 1Cover has accepted your claim, they’ll reimburse you (or the person you’ve nominated to receive the policy benefits), for the amount due in Australian dollars into your bank account.
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 14 days 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.
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