1Cover Travel Insurance Review

With 1Cover Travel Insurance, you benefit from no limit on overseas medical expenses or trip cancellation costs and can claim up to $15,000 for damage to your personal belongings.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    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.
    • We found seven insurance providers offering cover for travel expenses related to coronavirus, but 1CoverTravel Insurance wasn't one of them.

    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 visit their website at www.1cover.com.au for more information or compare alternative options available below.

    Compare your travel insurance quotes

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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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 policy options

    Here’s a quick overview of the policies available with 1Cover

    palm tree

    Comprehensive/ Frequent Traveller




    Medical only


    Domestic/ Frequent traveller domestic


    Already overseas

    1Cover travel insurance review of benefits

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

    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.

    • 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 your paid to your n 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 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.

    Ask an Expert

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    20 Responses

      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.


      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!


      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.


      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. :)


      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

        Default Gravatar
        NikkiJuly 5, 2018

        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!


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