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1Cover Travel Insurance
1Cover Travel Insurance has a policy for almost everyone, even if you’re already overseas.
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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.
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Finder's favourite features:
1. Earn gift cards with refer-a-friend program
2. No age limits and cover for pre-existing conditions
3. Cover available for travellers who are already overseas and forgot about their travel insurance
1Cover travel insurance policy options
Here’s a quick overview of the policies available with 1Cover
1Cover travel insurance review of benefits
| Benefit | Comprehensive/ Frequent traveller | Essentials | Medical only | Domestic/ Frequent traveller domestic | Already overseas |
|---|---|---|---|---|---|
| Overseas emergency medical assistance | Unlimited | Unlimited | Unlimited | Unlimited | |
| Accidental death | $25,000 | $25,000 | $25,000 | ||
| 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 | $50,000 | $50,000 | $50,000 | ||
| Cancellation fees & lost deposits | Unlimited | $2,500 | Unlimited | 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 |
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 you’re 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 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 386
Archerfield Business Centre
QLD 4108
General enquiries
1300 859 487
Any more questions about 1Cover travel insurance?
Read more on this topic
Ask an Expert
What are the dollar limits on luggage lost by airlines?
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
I am going to England/Europe in April. I am just enquiring who is the underwriter for 1Cover
Hi Christine,
Thank you for reaching out to finder.
This insurance is underwritten by certain underwriters at Lloyd’s. Hope this helps!
Cheers,
Reggie
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?
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.
Regards,
Jhezelyn
Cruise from Australia visiting Singapore Thailand Vietnam Cambodia Malaysia . Dates 1st — 27rh Nov 2019. 1 person age: 76.
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. :)
Cheers,
Joel
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
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!
Cheers,
Nikki
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.
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,
Rench
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.
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?
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,
Richard
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,
Richard
existing medical conditions when getting a quote online
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,
Richard
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
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.”
Cheers,
Shirley