Get the Finder app 🥳

Connect your accounts & save

1Cover Travel Insurance

1Cover Travel Insurance has a policy for almost everyone, even if you’re already overseas.


Fact checked

With over 1.5 million customers, 1Cover are among the most well-known insurers in Australia. Some of the benefits of 1Cover travel insurance includes emergency assistance anywhere in the world, free cover for the kids, no age limits and cover for pre-existing medical conditions. Check out 1Cover's options to see if they've got a policy that works for you.

1Cover travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

Compare your travel insurance quotes

warning A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

Type or Select your destination(s)

Popular Destinations

Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Summary of 1Cover's Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit130

Table updated June 2020

1Cover travel insurance policy options

Here’s a quick overview of the policies available with 1Cover

palm tree

Comprehensive/ Frequent Traveller




Medical only


Domestic/ Frequent traveller domestic


Already overseas

1Cover travel insurance review of benefits

BenefitComprehensive/ Frequent travellerEssentialsMedical only Domestic/ Frequent traveller domesticAlready overseas
Overseas emergency medical assistanceUnlimitedUnlimitedUnlimited
Accidental death$25,000
Permanent disability$25,000
Credit card fraud and replacement$5,000$1,000
Theft of cash$250
Luggage and personal effects$15,000$5,000
Luggage delay$250
Additional accommodation and travel expenses$50,000
Cancellation fees & lost depositsUnlimited$2,500
Disruption of journey$2,000$2,000
Personal liability$5,000,000$5,000,000$5,000,000$5,000,000$5,000,000
Rental vehicle insurance excess$5,000

Table was last updated: June 2020

Are there any additional options?

1Cover offers 5 different add-on packs to give your travel insurance policy more flexibility. Not all plans are eligible to add on these packs.

  • Cruise pack. Get cover for your trip along the seas. This pack includes cruise specific cover for things like missed port connections and cancelled prepaid shore excursions.
  • Winter sports pack. A must if your paid to your n trip involves things like skiing or snowboarding. Get cover for unexpected accidents on the slopes and if you need emergency evacuation. This is only available for those 64 years and under.
  • Choose your excess. All policies have a standard $200 excess which will be an out-of-pocket expense if you need to make a claim. This excess can be reduced to $100 buy paying extra on your policy.
  • Increase your rental vehicle excess cover. If your policy includes rental car excess cover, you can increase the cover amount for a bit more money.
  • Cover for high value items. If you’re travelling with expensive gear, it could be a good idea to take out extra cover in case your item is lost, stolen or damaged.

Am I covered for pre-existing medical conditions?

This is how 1Cover covers pre-existing medical conditions when you travel:

  • Automatically covered conditions. You are automatically covered for these conditions.
  • Excluded conditions. No cover for these conditions at all.
  • Everything else. You may be able to get cover, but you must declare your condition.

What exclusions apply to 1Cover travel insurance?

1Cover Travel Insurance has some general exclusions listed in the product disclosure statement that you should be clear on. This includes:

  • If the policyholder does not take care to act responsibly to protect themselves and their property and to avoid making a claim.
  • If the policyholder does not do everything in their power to avoid a loss.
  • If the policyholder makes any claims arising from illegal behaviour.

1Cover travel insurance claim and contact information

Claims and contact details

Emergency contact details: (+) 61 2 8776 3010

  • Provide all the information requested as well as any necessary additional info.
  • Await claim assessment.
  • Successful claims will be paid out in Australian dollars.

Making a claim online: Visit and follow the prompts

Making a claim via post:Post your completed form and supporting documents to:
PO Box 6798,
Baulkham Hills,
NSW 2153

General enquiries: 1300 859 487

Any more questions about 1Cover travel insurance?

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

20 Responses

  1. Default Gravatar
    ChrisMarch 5, 2019

    What are the dollar limits on luggage lost by airlines?

    • Default Gravatar
      NikkiMarch 6, 2019

      Hi Chris,

      Thanks for getting in touch! International cover for luggage and personal effects is $5,000 at the time of writing, with a $100 excess. However, this is for multi trip insurance only.

      As it says on ther website, “when we receive a personal belongings claim, you have to provide proof of ownership for the lost or stolen items. We realise that policy holders cannot always provide receipts for each and every item, but you’ll still have to provide evidence of ownership. We can accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership.”

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  2. Default Gravatar
    ChristineJanuary 10, 2019

    I am going to England/Europe in April. I am just enquiring who is the underwriter for 1Cover

    • Avatarfinder Customer Care
      JohnJanuary 11, 2019Staff

      Hi Christine,

      Thank you for reaching out to finder.

      This insurance is underwritten by certain underwriters at Lloyd’s. Hope this helps!


  3. Default Gravatar
    KristieNovember 2, 2018

    I would like a quote for travel insurance for my son. He is 23yrs old, Australian departing Japan on November 6, arriving in the USA on the same day. Not sure of when he will be returning home but presume it will be at least 6 months. He will be skiing while in the USA. Is this something you can help me with?

    • Avatarfinder Customer Care
      JhezNovember 9, 2018Staff

      Hello Kristie,

      Thank you for your comment.

      We apologize for not being able to answer this comment before your son left for the USA. Anyway, as for the quote for the travel insurance, since your son is already overseas, he could have gotten a quote directly from 1Cover Already Overseas Travel Insurance by clicking the Get Quote button.

      As for the other options of getting a travel insurance back home, he may check this page. It has the list of the insurers (2 insurers) that your son may take and get a quote directly while overseas. Also, kindly read the tips on how to go about getting an insurance while overseas for your son.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  4. Default Gravatar
    MaryOctober 18, 2018

    Cruise from Australia visiting Singapore Thailand Vietnam Cambodia Malaysia . Dates 1st — 27rh Nov 2019. 1 person age: 76.

    • Default Gravatar
      JoelOctober 19, 2018

      Hi Mary,

      Thanks for leaving a question on finder.

      If you a looking for travel insurance for a cruise you will need cruise cover. You can compare cruise policies HERE

      When deciding on which policy you’ll want to consider a policy that covers any pre-existing medical conditions that you have. Once you find a policy that you prefer, you can go through to the providers page and get in touch with them in regards to any pre-existing medical conditions that you have.

      Some benefits you may look for include:
      -Unlimited medical benefits
      -Cancellation cover that covers the cost of your trip
      -An excess that you are okay with paying e.g. you may have to pay an excess of $100 when you claim

      Please send me a message if you need anything else. :)


  5. Default Gravatar
    brianJuly 4, 2018

    quote for travel, fly to Singapore , cruise to Dubai , fly to Singapore fly to Brisbane. brian miller 73, faye miller 74
    leaving march 9 2019 , returning april 11

    • Default Gravatar
      NikkiJuly 5, 2018

      Hi Brian,

      Thanks for getting in touch!

      To get a quote for your trip, you may enter the information on the box provided above and click GET QUOTE NOW. You will get an email from the provider with contact details with the quote details.

      Hope this clarifies!


  6. Default Gravatar
    BarbFebruary 10, 2018

    When looking at Travel Insurance Policies, what exactly do I look for to see if any cover is provided for natural disasters? Or in my instance, travelling to Bali, if the volcano was to erupt, I would like some cover to help with additional costs of accommodation and extra time we may have to spend there stranded due to flight restrictions or delays.

    • Avatarfinder Customer Care
      RenchFebruary 28, 2018Staff

      Hi Barb,

      Thanks for your inquiry.

      In the PDS, you may find “what are the inclusions/what is covered for natural disasters.” At the moment, there are no travel insurance brands that can cover natural disasters for trips to Bali related to Mt. Agung.

      If you are looking at getting insurance from 1Cover, best to inquire with them directly about the inclusions. If it’s not automatically included in the policy, insurers will usually require you to add as extras so you can get covered for additional costs of accommodation and extra time if you get stranded due to flight restrictions or delays related to the volcanic activity.

      Please note though depending on the level of cover or policy you choose, you’ll still be covered for things like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities and more.

      Best regards,

  7. Default Gravatar
    EstherJune 12, 2015

    How much is Travel insurance for a 49yo, 37yo and 11yo going to Vietnam from 8/08/2015 – 18/09/2015. My husband (49yo) is doing a 3 night 4 day motor bike tour of Vietnam with DMZ Adventure on a 250cc MB – he has a valid MB Licence. We have a 1 night stop over in Hong Kong on the way to Vietnam and 1 night on the way back. Please quote. I want to make sure we are totally covered. Thank you.

    • Default Gravatar
      RobertJuly 1, 2015

      Confirming this insurance policy cover off-road motorbike riding a above 350cc if licenced in Australia and country of travel and non professional and recreational only?

    • Avatarfinder Customer Care
      RichardJuly 1, 2015Staff

      Hi Robert,

      Thanks for your question. is a comparison service and not an insurer. 1Cover do not cover off-road motorcycle use.

      I hope this was helpful,

    • Avatarfinder Customer Care
      RichardJune 12, 2015Staff

      Hi Esther,

      Thanks for your question. is a comparison service and not an insurer. If you would like to compare quotes from the providers in our panel, please enter your travel details into the travel form on the travel insurance homepage.

      I hope this was helpful,

  8. Default Gravatar
    cherylMarch 26, 2015

    existing medical conditions when getting a quote online

    • Avatarfinder Customer Care
      RichardMarch 30, 2015Staff

      Hi Cheryl,

      Thanks for your question. When applying for travel insurance online, you’ll be asked to declare whether or not you have a pre-existing condition. If you say that you do have a pre-existing condition, you will have to complete a medical declaration form, which will then be assessed and reviewed.

      I hope this was helpful,

  9. Default Gravatar
    AlanSeptember 11, 2014

    If the airline was to lose my luggage and I make a claim and after 6 weeks my luggage turns up after my holiday what would my claim be worth iff i had full comprehensive INSURANCE

    • Avatarfinder Customer Care
      ShirleySeptember 12, 2014Staff

      Hi Alan,

      Thanks for your question.

      Assuming that you take out the Multitrip cover, international cover for luggage and personal effects goes up to $5,000 at the time of writing, with a $100 excess.

      On their website it also states that, “when we receive a personal belongings claim, you have to provide proof of ownership for the lost or stolen items. We realise that policy holders cannot always provide receipts for each and every item, but you’ll still have to provide evidence of ownership. We can accept photographic evidence, warranty cards, manuals, receipts, bank or credit card statements as proof of ownership.”


Ask a question
Go to site