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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 a comprehensive insurance solution, to a bare-necessity, medical only policy, depending on the circumstances of your journey. As for COVID-19, they do include overseas medical claims related to the virus in their international policies, but coverage is subject to certain conditions. You can read about these, as well as a breakdown of the various policy options, below in the FAQs.

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.

Rates and fees verified as correct at 22 January 2022. 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, 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, should your travels have you sipping Mai Tais off the coast Bangkok, or barreling down the snowy slopes of Whistler. 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

  • 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

    • Activities covered
    More info
    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $2,500

    • Events
    • $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

    • Unlimited

    • Events
    • $15,000

    • $2,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $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 (21 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $2,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $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 (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $2,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $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 (90 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $2,000

    • $3,000

    • $5,000

    • $25,000

    • $10,400

    • $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).


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: 


Finally, with 1Cover’s most extensive policy option, Comprehensive coverage, you can add the following:

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:


If you add on the Winter Sports Pack to your Comprehensive policy, you can expect to be covered for: 

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: 

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.

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 4 months 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 5 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 10 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 about 1 year 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 over 1 year 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!