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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Who underwrites 1Cover?
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.
Everything you need to know about 1Cover
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:
- Medical only
|Overseas emergency medical assistance||Yes||Yes||Yes|
|Overseas emergency medical and hospital expenses cover||Yes||Yes||Yes|
|Additional accommodation and travel expenses||Yes||No||No|
|Family emergency cover||Yes||No||No|
|Emergency companion cover||Yes||No||No|
|Resume journey cover||Yes||No||No|
|Hospital cash allowance||Yes||No||No|
|Accidental death cover||Yes||No||No|
|Loss of income||Yes||No||No|
|Credit card fraud replacement||Yes||Yes||No|
|Travellers documents and traveller's cheques||Yes||No||No|
|Theft of cash||Yes||No||No|
|Luggage and personal effect||Yes||Yes||No|
|Luggage and personal effect delay expenses||Yes||No||No|
|Cancellation fees and lost deposits||Yes||Yes||No|
|Disruption of journey||Yes||No||No|
|Alternative transport expenses||Yes||No||No|
|Rental vehicle insurance excess||Yes||No||No|
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.
|Family emergency cover||Yes|
|Accidental death cover||Yes|
|luggage and personal effect||Yes|
|Cancellation fees and lost deposits||Yes|
|Disruption of journey||Yes|
|Rental vehicle insurance excess||Yes|
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
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:
|Winter sports equipment hire and excess||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.
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.
|Comprehensive and domestic||All ages|
|Essentials and medical only||74|
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.
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.
Making a claim with 1Cover is simple. Follow these steps:
- Submit a claim either by emailing claims@1Cover.com.au, calling 1300 369 883 or lodging your claim online
- Provide any additional information requested
- Await claim assessment
- Successful claims will be paid out in Australian dollars
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
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.
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.