1 Cover Travel Insurance

1Cover Travel Insurance Review

Planning a trip? Compare travel insurance policies from 1Cover and apply securely online.

Whether you're exploring Australia or the rest of the world, 1Cover has several travel insurance policies to suit your budget. Over one million customers have chosen 1Cover for their travel insurance. Options are available for travellers with pre-existing medical conditions too. Best of all, you'll be able to relax and enjoy your holiday knowing that you're covered for unforeseeable circumstances.

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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Who underwrites 1Cover?

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 exactly do the policies cover?

Whether you're a senior traveller looking for cover an upcoming holiday cruise or twenty-something thrill-seeker about to hit the slopes, you should be able to find a suitable policy with 1Cover’s range of travel products.

The Overseas Travel Cover policy is available to single travellers, groups and families. There are three levels of cover to choose from:

  • Comprehensive
  • Essentials
  • Medical only
BenefitComprehensiveEssentialsMedical only
Overseas emergency medical assistanceYesYesYes
Overseas emergency medical and hospital expenses coverYesYesYes
Dental coverYesYesYes
Additional accommodation and travel expensesYesNoNo
Family emergency coverYesNoNo
Emergency companion coverYesNoNo
Resume journey coverYesNoNo
Hospital cash allowanceYesNoNo
Accidental death coverYesNoNo
Permanent disabilityYesNoNo
Loss of incomeYesNoNo
Credit card fraud replacementYesYesNo
Travellers documents and traveller's chequesYesNoNo
Theft of cashYesNoNo
Luggage and personal effectYesYesNo
Luggage and personal effect delay expensesYesNoNo
Cancellation fees and lost depositsYesYesNo
Disruption of journeyYesNoNo
Alternative transport expensesYesNoNo
Personal liabilityYesYesYes
Domestic petsYesNoNo
Domestic servicesYesNoNo
Rental vehicle insurance excessYesNoNo

Just because your trip away is within Australia is no reason to neglect taking out cover. 1Cover provides domestic insurance to single travellers, groups and families.

BenefitDomestic Plan
Family emergency coverYes
Accidental death coverYes
luggage and personal effectYes
Cancellation fees and lost depositsYes
Disruption of journeyYes
Personal liabilityYes
Rental vehicle insurance excessYes

Multi-Trip insurance can be a great option if you travel regularly each year as you can be covered for each trip under the single policy, saving both time taking out a policy for each trip and money. Key Features of the Multi-Trip Plan are:

  • Can be taken out over a 12 month period
  • Unlimited number of journeys in 12 month period
  • Single or family cover options
  • Maximum period of travel cannot exceed 90 days. This applies to both business and leisure trips
  • Traveller must be under 64 years of age

Want to know how 1Cover compares with Southern Cross or Travel Insurance Direct?

Can I get ski travel insurance?

1 Cover offers an optional ski protection add-on so you can enjoy your trip away knowing you are protected should anything happen.

What snow benefits 1Cover Ski Travel Cover provide?

Along with the standard travel insurance features you'll get with your policy, the winter sports add-on also provides you with:

Benefit International Domestic Frequent Traveller
Winter sports equipment hire and excess Yes Yes Yes
Ski pack Yes Yes Yes
Piste closure Yes Yes Yes
Emergency Rescue Yes Yes Yes
Bad weather and avalanche closure Yes Yes Yes

Cover may vary depending on the policy, and conditions will apply for each benefit provided, so it is essential to review your PDS closely before applying.

What additional extras are available?

Protect expensive items on your trip with specified luggage and personal effects cover.

You have the option to take out additional cover for specified and unspecified items. Specified items are those that are listed on the certificate of insurance and unspecified items refer to luggage and other personal effects that have not been listed.

What is the maximum limit for expensive items?

Additional cover can be purchased to a maximum of $5,000. This additional cover will incur a premium loading and excludes jewellery, bicycles and watercraft apart from surfboards.

What is the maximum age to be eligible?

Policy Maximum age
Comprehensive and domestic All ages
Essentials and medical only 74
Non-resident 74
Frequent traveller 64

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.

How much will I pay in excess if I make a claim?

The standard excess on 1Cover Travel Insurance policies is $200.

Can I remove this excess?

No, you can't remove the excess. However, you can reduce the excess from $200 to $100.

How do I make a claim?

Making a claim with 1Cover is simple. Follow these steps:

  1. Submit a claim either by emailing claims@1Cover.com.au, calling 1300 369 883 or lodging your claim online
  2. Provide any additional information requested
  3. Await claim assessment
  4. Successful claims will be paid out in Australian dollars

When can't I make a claim?

Just as it is important to review the conditions of your policy benefits, it is worth being aware of policy exclusions to avoid any nasty surprises in the event of a claim. 1Cover has some general exclusions listed in the product disclosure statement that you should be clear on, including:

  • Policyholder not taking care to act responsibly to protect themselves and their property and to avoid making a claim
  • Policyholder does not do everything in their power to avoid a loss
  • Claims arising from illegal behaviour

Other questions you may have

Why should I choose 1Cover as my travel insurer?

  • Backed by a leading insurer

1Cover has grown to become one of Australia’s leading travel insurance brands, offering a range of versatile products to suit your versatile needs. It is secured by certain underwriters at Lloyd's of London.

  • Emergency assistance anywhere in the world

Emergency assistance is available no matter where you are in the world. This support includes medical evacuation of Australians travelling overseas.

  • Satisfied customer base

Over 1 million customers have taken out travel insurance with 1Cover, and that number is growing.

  • Excellent customer service

Whether you are in the initial stages of policy application or need to submit a claim, 1Cover’s team of nsurance consultants is there to provide support 24 hours a day, anywhere in the world.

  • Diverse range of products

Whether you are looking for an annual or single trip policy, cruise or ski travel insurance or you are a senior buyer looking for cover, you will be sure to find a suitable option for your needs.

  • The kids can go for free

If your child or grandchild is travelling with you for 100% of the journey, they can be included on your policy at no extra cost! The child must be under 19 years of age and not engaged in full-time employment.

  • Security you can trust

Through industry-leading security software companies SSL encryption and McAfee Secure, it is impossible for information that has been passed from your computer to 1Cover to be intercepted and read.

How can I get a quote?

You can receive a quote for 1Cover travel insurance entirely only after filling in your details on the website. This quote may only be subject to change if the applicant has pre-existing medical conditions that may result in a premium loading.

What details are required to receive a quote from 1Cover?

  • Travel destination: You'll need to enter the country or countries that you're travelling to
  • Duration of trip: Obviously the longer the duration of travel, the higher the premium
  • Adult travellers: Age of travellers
  • Number of dependents: Children and grandchildren under 19 travel free

Upon entering these details, you will be provided with a range of options with different levels of cover: medical only, essentials or comprehensive cover. You will also have the ability to remove the policy excess and take out extra cover for high value items.

Ready to apply for 1Cover Travel Insurance?

No matter what type of insurance cover you are looking to take out through 1Cover Direct Insurance, you can look forward to benefitting from quality cover, affordable prices and the peace of mind that comes from taking your cover through a reputable insurance provider. If the cover options from 1Cover sound suitable for your situation, simply follow the secure link through to the 1Cover website to start comparing quotes.

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20 Responses

  1. Default Gravatar
    ChrisMarch 5, 2019

    What are the dollar limits on luggage lost by airlines?

    • Avatarfinder Customer Care
      NikkiMarch 6, 2019Staff

      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

    • Avatarfinder Customer Care
      NikkiJuly 5, 2018Staff

      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. finder.com.au 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. finder.com.au 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.”


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