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1Cover vs Cover-More vs InsureandGo
Compare policies from 1Cover, Cover-More and InsureandGo and see how they stack-up.
We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.
Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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.
| Cover | InsureandGo | Cover-More | 1Cover |
|---|---|---|---|
| Accidental Death | $50,000 | $25,000.00 | $25,000 |
| Cancellation Fees & Lost Deposits | Unlimited | Cover Chosen | Unlimited |
| Disruption of Journey | Unlimited | Unlimited | $1,000 |
| Domestic Pets | $600 | N/A | $500 |
| Hijacking | $2,500 | $5,000 | N/A |
| Hospital Cash Allowance | $5,000 | $6,000 | $5,000 |
| Loss of Income | $10,400 | $6,000 | $10,400 |
| Lost or Stolen Money | $500 | $250 | $250 |
| Luggage & Personal Effects | $8,000 | $7,000 | $15,000 |
| Luggage & Personal Effects Delay Expenses | $750 | $750 | $250 |
| Overseas Emergency Medical & Dental | Unlimited | Unlimited | Unlimited |
| Overseas Emergency Medical & Hospital Expenses | Unlimited | Unlimited | Unlimited |
| Permanent Disability | $50,000 | $25,000 | $25,000 |
| Personal Liability | $5,000,000 | $2,500,000 | $5,000,000 |
| Rental Vehicle Excess | $4,000 | $6,000 | $5,000 |
| Resumption of Journey | $3,000 | $3,000 | $3,000 |
| Travel Delay | $2,000 | $6,000 | $1,000 |
| Travellers Cheques & Travel Documents | $5,000 | $6,000 | $5,000 |
| Find out more | InsureandGo Gold | Cover-More Premium | 1Cover 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.
| Cover | InsureandGo | Cover-More | 1Cover | |||
|---|---|---|---|---|---|---|
| Are dependent covered at no extra cost? | ✓ | 18 years and under | ✓ | 21 years and under | ✓ | Children 18 years and under |
| Are ski-related losses covered? | ✓ | ✓ | ✓ | |||
| How long can single trips be on an annual policy? | ✓ | 30 days (80 or over at the date of application), 60 days (no age mentioned) | ✓ | 18 months | ✓ | 90 days |
| Is cruise travel covered? | ✓ | ✓ | ✓ | |||
| Is there a group travel option available? | ✓ | Maximum 10 persons | ✓Maximum of 10 persons | ✓ | Maximum 25 persons | |
| Is there an excess eliminator? | ✓ | ✓ | ✕ | |||
| What is the cooling-off period? | ✓ | 14 Days | ✓ | 15 Days | ✓ | 14 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 | ✓ | Comprehensive and domestic last birthday, no limit. Annual last birthday, 64. Essential and medical only last birthday, 74. |
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 Purchase | 1Cover | InsureandGo | Cover-More |
|---|---|---|---|
| American Express | No | Yes | Yes |
| Discover Card | No | Yes | No |
| In-store | Yes | No | No |
| MasterCard | Yes | Yes | Yes |
| Online | Yes | Yes | Yes |
| Over the phone | Yes | Yes | Yes |
| Payment Method | |||
| Paypal | No | No | Yes |
| Visa | Yes | Yes | Yes |
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. Cover-More will cover your kids until they are 21. 1Cover will cover your kids under the age of 19.
- 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.
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.
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Emergency Assistance
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.
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