1cover vs CoverMore vs InsureandGo

1Cover vs Cover-More vs InsureandGo

Compare policies from 1Cover, Cover-More and InsureandGo and see how they stack-up

InsureandGo, Cover-More and 1Cover provide travellers with travel insurance options for all domestic, international and cruise travels. How do the policies they provide compare?

How do InsureandGo, Cover-More and 1Cover stack-up side-by-side?

Before you purchase travel insurance, you should understand the features and benefits offered by each insurance brand. The benefits offered will vary, and you need to be sure you're covered for everything you need, and also that you're not paying for options you won't use.

How do these providers stack up side-by-side? Here’s a look at the comprehensive policy benefits for each provider.

CoverInsureandGoCover-More1Cover
Accidental Death$50,000$20,000$25,000
Cancellation Fees & Lost DepositsUnlimitedCover ChosenUnlimited
Disruption of JourneyUnlimitedUnlimited$1,000
Domestic Pets$600N/A$500
Hijacking$2,500$5,000N/A
Hospital Cash Allowance$2,500$3,500$5,000
Loss of Income$10,400$6,000$10,400
Lost or Stolen Money$500$100$250
Luggage & Personal Effects$8,000$6,000$15,000
Luggage & Personal Effects Delay Expenses$750$750$250
Overseas Emergency Medical & DentalUnlimitedUnlimitedUnlimited
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedUnlimited
Permanent Disability$50,000$20,000$25,000
Personal Liability$5,000,000$2,500,000$5,000,000
Rental Vehicle Excess$4,000$3,000$5,000
Resumption of Journey$3,000$3,000$3,000
Travel Delay$2,000$1,000$1,000
Travellers Cheques & Travel Documents$5,000$6,000$5,000
Find out moreInsureandGo GoldCover-More Premium1Cover Comprehensive

Who covers what?

To be forewarned is to be forearmed. While the monetary benefits of travel insurance are often the determining factor when choosing a policy, learning about what is covered is essential to making sure a policy suits your needs. If you're going on a cruise, for instance, you need to make sure that's covered.

CoverInsureandGoCover-More1Cover
Are dependent covered at no extra cost?18 years and under21 years and underChildren 21 years and under
Are ski-related losses covered?
How long can single trips be on an annual policy?✓✓60 days (65 & under)31 days (66 & older18 months90 days
Is cruise travel covered?
Is there a group travel option available?Maximum 10 personsMaximum 25 persons
Is there an excess eliminator?
What is the cooling-off period?14 Days15 Days14 Days
What is the maximum age of people covered?✓✓100 years & underSurcharge applied for individuals 50 & over✓✓84 years and underLimits may apply to travellers 70 and under✓✓Single last birthday, no limit.Annual last birthday, 59
1Cover, Cover-More and InsureandGo make it easy for you to purchase insurance from the comfort of your homes, over the phone or online.

How to Buy Cover?

How to Purchase1CoverInsureandGoCover-More
American ExpressNoYesYes
Discover CardNoYesNo
In-storeYesNoNo
MasterCardYesYesYes
OnlineYesYesYes
Over the phoneYesYesYes
Payment Method
PaypalNoNoYes
VisaYesYesYes

Looking for specific cover?

  • Which policy offers cover for travel companions? All three insurance providers offer emergency assistance for you and your travel companions.
  • Which policy offers cover to older dependents children? All three cover dependents at no extra cost. However, InsureandGo require your children to be under the age of 18. 1Cover and Cover-More will cover your kids until they are 21.
  • Which policy has the longest cooling-off period? 1Cover and InsureandGo allow you to cancel your policy 14 days after purchase. Cover-More allow you to cancel your policy up to 15 working days after you purchase the policy.
  • Which policy covers credit card fraud? All three policies cover credit card theft. 1Cover also offers a credit card fraud and replacement benefit of up to $5,000.
  • Which policy has the highest age limit? InsureandGo offers cover to travellers up to 100 years of age.
  • Which policy offers the longest single trip cover? Only InsureandGo offers a backpackers policy that covers you for up to 540 days of travel.
  • Which policy can be bought in person? You can buy your travel insurance from the 1Cover head office in Sydney.

Want to compare the costs?

Now you’ve compared the policy features, compare the costs by entering your travel details into the travel form below.

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Emergency Assistance

1Cover

Allianz Global Assistance provides emergency help for 1Cover travel insurance policyholders. If you have an emergency overseas, Allianz will provide access to emergency medical treatment and other assistance once you call the emergency number (07 3305 7499). To make a claim, you must complete a claim form as soon as possible. These forms are available online or by contacting 1Cover Travel Insurance.

Cover-More

A Cover-More insurance policy provides customers with emergency assistance anywhere in the world. For 24-hour assistance, you should call the toll-free number emergency assistance number (02 8907 5619). Assistance provided by Cover-More includes access to medical treatment, bill payment and your safe return home. You have the option of making a claim online or by downloading the form from the company's website. Make sure you provide all receipts and supporting documents to make your claim.

InsureandGo

Mapfre Asistencia is the emergency assistance provider for InsureandGo, and offers 24-hour medical assistance. InsureandGo emergency assistance will also assist with lost of luggage, travel documents and lost credit cards. To contact the emergency team, call 02 9333 3999 from anywhere in the world. A claim has to be made within 30 days after your return home. To make a claim, download the form online or request one via email at info@insureandgo.com.au or call 02 9333 3901. All invoices, receipts and other related documents must be provided.


Who are the policies underwritten by?

1Cover

1Cover

1Cover is underwritten by Allianz. Allianz Global Assistance is able to deal with and settle claims made. Allianz Global Assistance is the group that administers assistance and benefits for the insurance offered by 1Cover.

Cover-More

Cover-More

The insurance offered by Cover-More is insured and issued by Great Lakes Reinsurance (UK) PLC, an authorised Australian Insurer trading under the licence Great Lakes Australia. Both Great Lakes Australia and Great Lakes Reinsurance (UK) are limited liability companies owned and subsidised by the Munich Reinsurance Company in England and Wales. The Munich Re Group, which the Munich Reinsurance Company is a part of, is one of the largest insurance groups in the world.

InsureandGo

InsureandGo

Mitsui Sumitomo Insurance (MSI) Company underwrites the insurance offered by InsureandGo. InsureandGo is the legal agent in Australia for MSI that deals with the arrangement of policy and claims filed.

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Richard Laycock

Richard is the senior insurance writer at finder.com.au and is on a mission to make insurance easier to understand.

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