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1Cover Travel Insurance Review

With 1Cover Travel Insurance, you benefit from unlimited overseas medical expenses or trip cancellation costs and can claim up to $15,000 for damage to your personal belongings.

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Our Verdict

  • 1Cover Travel Insurance offers unlimited cover for trip cancellation or amendment on its domestic travel policies. Only a handful of other providers, including SCTI, Zoom and FastCover, offer the equivalent.
  • Enjoy up to $5,000,000 personal liability cover when you choose 1Cover Travel Insurance. Of the 10 brands that we reviewed, this amount was only matched by three other brands.
  • 1CoverTravel Insurance offers some cover for travel expenses related to COVID.

Review by our senior insurance writer James Martin

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 head to the 1Cover website or compare alternative options available below.

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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 July 2021

1Cover travel insurance review of benefits

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

Table was last updated: July 2021

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.

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:

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 https://www.1cover.com.au/claims/making-a-claim/ 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?

More guides on Finder

  • 1Cover Discount Code, Vouchers and Promos

    Find out how to get deals and discounts from 1Cover Travel Insurance. Get specials on plans that feature ski and snow, domestic and overseas cover from the authorised seller of Lloyd's insurance policies online.

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22 Responses

  1. Default Gravatar
    BrianApril 7, 2022

    We are booked on a cruise around Australia in October for one month and looking for travel insurance that covers all our needs and Covid.

    • Avatarfinder Customer Care
      JamesApril 20, 2022Staff

      Hi Brian,

      Please visit our guide to COVID travel insurance. You’ll be able to compare a range of insurance providers that include COVID-19 medical expenses.

      Make sure to read the PDS of each provider before signing up with the one that meets your needs.

      Regards,
      James

  2. 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.

      Best,
      Nikki

  3. 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!

      Cheers,
      Reggie

  4. 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 travel insurance back home, he may check our list of overseas travel insurance. 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 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 chatbox on the lower right corner of our page.

      Regards,
      Jhezelyn

  5. 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 using our comparison table. Just press the “Get quote” button to request free quotations.

      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 provider’s 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. :)

      Cheers,
      Joel

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