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.

Compare travel insurance policies from One Cover

Brands Product Product Details Apply
1Cover Basics Single Trip

Unlimited medical emergency assistance

$500 dental expenses

$5 million personal liability

$100 default excess

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1Cover Comprehensive Single Trip

Unlimited overseas medical expenses

$1,000 disruption of journey

Unlimited cancellation fees and lost deposits

$15,000 luggage and personal effects cover

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1Cover Domestic

$1,000 disruption of journey

$25,000 accidental death

$15,000 luggage and personal effects

Unlimited cancellation fees and lost deposits

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1Cover Essentials Single Trip

Unlimited overseas medical expenses

$5,000 cancellation fees and lost deposits cover

$5,000 in luggage and personal effects

$5 million personal liability

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1Cover Frequent Traveller (Domestic)

$1,000 disruption of journey

$25,000 accidental death

$15,000 luggage and personal effects

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1Cover Frequent Traveller (International)

Unlimited overseas medical expenses

$5,000 luggage and personal effects cover

Unlimited cancellation fees and lost deposits

$5 million personal liability

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1Cover Ski Travel Insurance

Emergency evacuation from ski fields

Cover for prepaid ski hire ski pass and ski equipment

Bad weather and avalanche closure

Cover for ski equipment hire

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1Cover Visitors to Australia

Unlimited medical expenses

Travellers who are not an Australian resident

Travellers who are visiting Australia on a temporary basis

Purchase of the policy within 14 days of your arrival in Australia

Travellers who are 16 to 74 years old

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1Cover Already Overseas Travel Insurance

Unlimited overseas medical expenses

$1,000 disruption of journey

Unlimited cancellation fees and lost deposits

$15,000 luggage and personal effects

$5 million personal liability cover

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1Cover Comprehensive Single Trip
  • $15,000: Maximum luggage, personal effects and travel documents maximum cover
Maximum amount covered for any item:
  • $3,000: Personal computers, video recorders or cameras
  • $1,000: Mobile phones (including PDAs and any items with phone capabilities)
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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
  • Basic
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 depositsYesNoNo
Disruption of journeyYesNoNo
Alternative transport expensesYesNoNo
Personal liabilityYesYesYes
Domestic petsYesNoNo
Domestic servicesYesNoNo
Rental vehicle 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 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

If you are travelling to Australia for your next trip, you might find 1Cover's Australia Visitor Cover to be a suitable option.

BenefitVisitors Cover
Overseas emergency medical assistanceYes
Overseas emergency medical and hospital expenses coverYes
Dental coverYes
Additional accommodation and travel expensesYes
Family emergency coverYes
Emergency companion coverYes
Accidental death coverYes
Luggage and personal effectYes
Cancellation fees and lost depositsYes
Personal liabilityYes
Rental vehicle excessYes

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

Can I get ski travel insurance?

1 Cover offers ski protection 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, ski travel cover also provides you with:

BenefitInternationalDomesticFrequent Traveller
Snow skiing hire equipmentYesYesYes
Ski packYesYesYes
Piste closureYesYesYes
Bad weather and avalanche closureYesYesYes

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?

PolicyMaximum age
Comprehensive and domestic80
Essentials and basics74
Frequent traveller64

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.
  • Acne
  • Asthma*
  • Benign positional vertigo
  • Carpal tunnel syndrome
  • Coeliac disease (gluten intolerance)
  • Diabetes (Type 1 & 2)*
  • Folate deficiency
  • Goitre
  • Graves' disease
  • High cholesterol*
  • High blood lipids*
  • Hypertension or high blood pressure*
  • Incontinence
  • Nocturnal cramps
  • Pernicious anaemia
  • Sleep apnoea
  • Trigger finger
  • Allergies
  • Bell's palsy
  • Bunions
  • Cataracts
  • Congenital blindness
  • Dry eye syndrome
  • Epilepsy*
  • Gastric reflux*
  • Glaucoma*
  • Hiatus hernia
  • Hypothyroidism*
  • Impaired glucose tolerance*
  • Insulin resistance
  • Osteopaenia
  • Raynaud's disease
  • Trigeminal neuralgia
  • Vitamin B12 deficiency

*These conditions are covered under specific rules set out by the policy. Read the policy for a full understanding of how these conditions can be covered.

  • terminal illnesses
  • conditions where you require oxygen therapy for the journey
  • chronic renal failure that's treated by haemodialysis or peritoneal dialysis
  • AIDS-defining illness or any treatment that causes immunosuppression
  • You've had or are waiting for an organ transplant

You can obtain a form when you apply for cover.


  • You might have to supply additional documents such as medical reports.
  • You will also be subject to an additional premium
  • You might be subject to lower cover limits

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

The standard excess on 1Cover Travel Insurance policies is $100.

Can I remove this excess?

You can remove the excess by paying an additional premium of $25.

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 or calling 1300 369 883
  2. Provide any additional information requested
  3. Await claim assessment
  4. Successful claims will be paid out in Australian dollars

Claims are usually processed within 10 business days. If more information is required, you will be notified within 10 days with a new timetable for a resolution.

Documents you may need to supply include:

  • Police reports
  • Damaged lists
  • Valuations
  • Medical reports
  • Original receipts or proof of purchase and ownership

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
  • Claim arises from consequential loss of any kind
  • Policyholder was aware of something that would result in a claim being made at time of application
  • Claim is for a loss that can be recovered by other types of compensation
  • Claim arises from errors made in bookings or the policyholder's failure to obtain appropriate travel documentation
  • Claims arising for loss of property that has been confiscated or detained by government authorities
  • Claims arising from motorcycle accidents where the policyholder does not hold an Australian motorcycle license or if the policyholder is a passenger on a motorcycle that has been involved in an accident where the driver did not have an Australian drivers licence
  • Claim arising from pre-existing medical conditions not listed in the product disclosure statement
  • Claim arising from the taking of blood-thinning medication
  • Claim made for travel that was not recommended by medical practitioner
  • Claim arising from pregnancy, childbirth or related complications
  • Claim arising for treatment in hospital for addiction to drugs or alcohol
  • Claim for cost of medication in use prior to departure
  • Claims arising from mental illness, stress and depression
  • Claims for sexually transmitted diseases
  • Claims arising where alcohol or drugs were a contributing factor
  • Claim arising for death of person over 85 years of age
  • Claims arising from excluded sports:
    • Hunting
    • Racing (except for on foot)
    • Polo
    • Mountaineering
    • Rock climbing
    • Open water sailing
    • Professional sport
    • Parachuting
    • Hang gliding
  • Claims for underwater diving where an underwater apparatus is used and the policy owner does not hold an open water diving licence issued in Australia.
  • Claim arising from travel in aircraft unless a commercial aircraft that is operated by an airline or charter company. Regulated hot air ballooning is covered.

Other questions you may have

  • A. If you are not satisfied with your policy, you can cancel your cover within 14 days of the policy being put in place provided you are not making a claim, left for your trip or the policy has started.
  • A. Policies can be extended for travel delays or for other reasons that can be claimed under your policy. Extensions for other reasons can be made if a request is sent by post 7 days prior to the policy expiring.
  • A. You will be told the premium that is payable at time of application. The premium is based on:
  • Destination
  • Duration of journey
  • Number of people covered under policy
  • Age
  • Pre-existing medical conditions
  • The policy chosen and any additional options
  • Any relevant charges, taxes or levies such as stamp duty.
  • A. Applicants must notify 1Cover of their claim as soon as possible by lodging a claim form that is available online or provided upon request.
  • A. Claims are paid in Australian dollars unless the payment is given to someone else specified by the policyholder. Exchange rates will apply at the time of claim.
  • A. If any loss can be recovered from another insurance provider, you must give details to 1Cover. If the total loss can be recovered under another policy, 1Cover will not pay any of the claim. If only a portion can be recovered, 1Cover will make up the difference.

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 underwritten by 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, adventure 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 21 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 choose the region (e.g. Europe or Pacific) or country (e.g. Singapore) 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 21 travel free

Upon entering these details, you will be provided with a range of options with different levels of cover. This is basic, 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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8 Responses

  1. 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?

    • Staff
      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,

    • Staff
      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,

  2. Default Gravatar
    cherylMarch 26, 2015

    existing medical conditions when getting a quote online

    • Staff
      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,

  3. 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

    • Staff
      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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