1 Cover Travel Insurance

1Cover Overseas Travel Insurance Review

Make sure you're covered for the worst on any overseas trip with 1Cover's Overseas Travel Insurance.

Travelling overseas is an exciting opportunity, but no matter how many times you have done it, you need to remain aware of the risks and dangers too. This is because an accident or event which would seem simple and minimal if it had happened at home, can not only ruin your plans, but cause added emotional and physical stress.

Therefore, whenever you travel overseas, no matter how far or for how long, make sure that you take out international travel insurance. The 1Cover Overseas Travel Insurance policy cannot stop things happening to disrupt your journey, but it can make sure that if the worst does happen and you do fall sick while overseas, or have your luggage stolen, that you are well looked after, reimbursed for any unexpected expenses and able to get on with your holiday as soon as possible.

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Who underwrites 1Cover Travel Insurance?

Lloyds of London

1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. 1Cover Travel Insurance is underwritten by certain underwriters at Lloyd's of London.

What's included in this policy?

Not all overseas travel insurance policies are created equal and while you may think you are covered with any old insurance, it is important you know all of the details of the cover. This is why 1Cover provided comprehensive information on its Overseas Travel Insurance, so you know that you are covered for the following eventualities and you can see just how much protection the insurer is offering you:

  • Overseas emergency medical assistance. Includes cover for 24 hour medical emergency assistance such as ambulance cover. 1Cover also offers medical evacuations, funeral arrangements, sending messages to your family and provides for all hospital guarantees.
  • Overseas emergency medical and hospital expenses. Provides you with cover for overseas medical treatment if you become ill or injured, including medical, hospital, surgical and nursing, as well as emergency dental treatment to relieve you of sudden and acute paid to your natural teeth.
  • Additional accommodation and travel expenses. Pays for any additional travel and accommodation expenses if you are unable to travel and need to reschedule your plans because of illness or injury.
  • Family emergencies. Pays your additional travel expenses if your travelling companion or a relative unexpectedly dies or requires hospitalisation because of an injury.
  • Emergency companion cover. Covers any additional travel and accommodation expenses if your travelling companion is unable to continue with your planned journey because of an illness or injury.
  • Resumption of journey. 1Cover will pay the cost of your airfares when you resume your journey, after having to unexpectedly return home because of the death or hospitalisation of a relative.
  • Hospital cash allowance. 1Cover pays an allowance of $50 per day if you are in hospital for more than 48 hours while travelling internationally.
  • Accidental death cover. Pays a death benefit to your nominated beneficiaries if you die as the result of an injury on your journey. You also remain covered if you die within 12 months of the injury.
  • Permanent disability. If you become permanently disabled as the result of an injury during your journey, or within 12 months, 1Cover will pay you a benefit amount. Permanent disablement is defined by 1Cover as the total loss of sight in one or both eyes, or the loss of the use of a hand or a foot.
  • Loss of income. If you become disabled within 30 days of an injury caused during your international travel and you are still unable to work after more than 30 days of your return to Australia, 1Cover will pay a weekly benefit to cover your loss of income.
  • Luggage and personal effects. This feature pays the replacement cost for luggage or personal items which are stolen or damaged, including luggage, spectacles, personal effects, personal computers and cameras.
  • Luggage and personal effects delay expenses. The cover benefit pays for you to purchase essential items of clothing and other personal effects if your luggage is delayed, misdirected or misplaced by your airline or travel carrier for more than 12 hours.
  • Cancellation fees and lost deposits. Provides cover for any cancellation fees you have to pay or any deposits you lose as the result of circumstances outside of your control disrupting your travel, such as illness, injury, strikes, collisions, retrenchment or natural disasters.
  • Credit card fraud and replacement. 1Cover will cover the cost of replacing your credit cards if they are lost or stolen and reimburse you for any loss as the result of fraudulent use of your card.
  • Travellers’ cheques and travel documents. You are covered for the replacement cost of your travel documents including passports, travel documents or travellers’ cheques which are lost or stolen.
  • Theft of cash, bank notes, currency notes, postal orders or money orders. If any of these items are stolen from you during your international travel, 1Cover will cover their replacement.
  • Disruption of your journey. If your journey is delayed for more than six hours because of circumstances outside of your control, 1Cover will pay for any additional meal and accommodation expenses.
  • Alternative transport expenses. If you are travelling to a wedding, funeral, conference, sporting event or using prepaid travel or tour arrangements and you experience delays, 1Cover will pay any additional travel expenses to get you to your destination.
  • Personal liability cover. Includes cover for legal expenses for bodily injuries or damage to another’s property as the result of a claim against you.
  • Domestic pets. If you are delayed on your return home, 1Cover will pay any additional boarding expenses for the boarding kennel or cattery where your pet is housed and any veterinary fees your pet incurs while you are travelling are also covered.
  • Domestic services. 1Cover will provide a benefit for housekeeping services if you suffer and injury or disablement during your travel which continues on your return.
  • Rental vehicle excess. 1Cover will pay the excess on your rental vehicle if it is stolen, crashed or damaged in any way.

Who can apply for 1Cover Overseas Travel Insurance?

You can apply for 1Cover Overseas Travel Insurance if:

  • You are an Australian resident.
  • You purchase your policy before you begin your international travel.
  • Your journey begins and ends in Australia.
  • Travellers of all ages (Comprehensive and domestic policies), 74 and under(Essentials, Medical only), 64 and under Frequent Traveller

Follow the secure links located on the finder.com.au website to receive a quote completely free of charge. As always, it is important to review the product disclosure statement prior to application so you can be sure of exactly what you are signing up for.

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16 Responses

  1. Default Gravatar
    BrookeJuly 13, 2017

    Hi, I am an australian resident returning to australia from living in colombia for a year. I need travel insurance for a one way trip but not originating from australia as that is my final destination. kind regards.

    • Avatarfinder Customer Care
      RenchJuly 14, 2017Staff

      Hi Brooke,

      Thanks for your inquiry.

      You can search for travel insurances on this page by using the search filter. You may enter your destination, the date and your age. It will provide you a list of travel insurances that you can compare.

      If your are inquiring about 1Cover, please contact them directly. You can click on the green ‘Get Quote’ button to contact them.

      Hope this helps.


  2. Default Gravatar
    desireeNovember 29, 2016

    I am looking at travelling to Argentina and Uruguay and board a ship in Montevideo to cruise to Antarctica in November next year .
    As I will need travel insurance as soon as I pay the 6000 dollar deposit what age will I need to use,as I am 69 now but will be 70 in august as some insurances increase their quote once one is 70.

    • Avatarfinder Customer Care
      RichardNovember 30, 2016Staff

      Hi Desiree,

      Thanks for getting in touch. Please head over to our seniors travel insurance page. Once there you will be able to enter your travel details and compare quotes.


  3. Default Gravatar
    TraceySeptember 21, 2016

    HI my partner and l are going on a cruise to Hobart l am worried as my partner has had a stroke in the past he is on tablets he is doing all right now but need to have insurance cover for him his age is 57 what is the best insurance cover to take out for him

    • Avatarfinder Customer Care
      RichardSeptember 22, 2016Staff

      Hi Mickey,

      Thanks for getting in touch. finder.com.au is a comparison service and we are not permitted to provide our users with personalised product recommendations. You may find our travel insurance for strokes article helpful.

      All the best,

  4. Default Gravatar
    KatherineDecember 12, 2015

    Is pre existing medical condition. Are they included in the quote

    • Avatarfinder Customer Care
      RichardDecember 14, 2015Staff

      Hi Katherine,

      Thanks for your question. Medical conditions are assessed by the travel insurance brands and are not factored into the quotes on finder.com.au.

      I hope this was helpful,

  5. Default Gravatar
    OttoSeptember 25, 2015

    Hi aim 71 years old will I be covered by your policy?

    • Avatarfinder Customer Care
      RichardSeptember 28, 2015Staff

      Hi Otto,

      Thanks for your question. finder.com.au is a comparison service and not an insurer, 1Cover do offer policies to those over 65. For more information about seniors travel insurance, you might find our travel insurance for seniors page useful.

      I hope this was helpful,

  6. Default Gravatar
    margaretMarch 9, 2015

    I have pre existing medical conditions for more than10 years all under control with tablets

    • Avatarfinder Customer Care
      RichardMarch 9, 2015Staff

      Hi Margret,

      Thanks for your question. It all depends on the condition and the severity of that condition. 1Cover do provide automatic cover for 43 conditions. For more information, you will need to contact 1Cover directly. Once you are on the 1Cover website, you can choose to speak with an advisor by taking advantage of their online chat service, by having a look through the PDS or checking the conditions covered in the article entitled: Travel Insurance: Pre Existing Medical Conditions.

      I hope this was helpful,

  7. Default Gravatar
    AnneMay 19, 2014

    I am an Australian resident with siblings in UK. I am travelling to Indonesia. Would I be covered for trip cancellation should something happen to one of them, as they live outside of Australia?

    • Avatarfinder Customer Care
      WilliamMay 20, 2014Staff

      Hi Anne,

      According to the 1Cover product disclosure statement, cancellation cover will apply for events that are unexpected and outside of your control. Cover for cancellation due to the hospitalisation or death of a family member due to a pre-existing condition will only apply if the family member or relative is in Australia or New Zealand and you were unaware of the likelihood of hospitalisation or death prior to your journey. It is definitely worth checking with 1Cover to find out exactly what events you will be eligible to claim cancellation cover in the event that anything were to happen to your siblings.

      Thanks for your enquiry and all the best.

  8. Default Gravatar
    AdrienneMarch 25, 2014

    Is 1Cover Insurance the same as Cover More insurance?

    • Avatarfinder Customer Care
      WilliamMarch 25, 2014Staff

      Hi Adrienne,

      Thank you for your comment. No, 1Cover and Cover More are different travel insurance providers both offering their own range of products. 1Cover policies are underwritten by Lloyd’s of London and Cover More policies are underwritten by Munich Re Group.

      All the best.

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