The 1Cover was highly commended for Best Comprehensive Travel Insurance in the 2025 Finder Awards.
Full list of 2025 winners| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | No limit |
Table updated July 2025
1Cover offers some cover for pandemic-related expenses but not everything you might need. All its policies cover overseas medical claims related to COVID-19 if you test positive and require emergency medical treatment. This includes:
Where 1Cover falls short is with its cancellation cover. If you catch COVID-19 before you depart for your holiday or during your trip and need to cancel, you're out of luck here. This includes additional costs such as PCR tests or quarantine costs.
If you think you'll need more than overseas medical cover for COVID-19, we've compared all the providers that offer cover for pandemic-related expenses.
Based on 1cover travel insurance scores in Finder's 2024 & 2025 Customer Satisfaction Awards.
What do Australians think of 1cover travel insurance?
1Cover has seven different plans available to fi th the needs of a wide variety of travellers. Comprehensive, Essentials, Medical Only, Domestic and Already Overseas cover single trips while International Frequent Traveller and Domestic Frequent Traveller are annual policies that can cover multiple trips over the year.
Comprehensive
Essentials
Medical Only
Domestic
Already Overseas
Frequent Traveller
(International or Domestic)
This insurance is underwritten by certain underwriters at HDI Global Specialty SE – Australia. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 14 days and allows you to cancel your policy for a full refund provided you haven't started travelling or made a claim. All policies have a standard $200 excess which will be an out-of-pocket expense if you need to make a claim for an insured event. This excess can be reduced to $100 by paying extra on your policy.
These are some of the features that 1Cover will cover if something goes amiss on your trip. Some of these benefits are only available for certain levels of cover (e.g. the Comprehensive policy vs Essentials).
1Cover offers three different add-on packs to give your travel insurance policy more flexibility. Not all plans are eligible to add on these packs.
1Cover Travel Insurance has some general exclusions listed in its Product Disclosure Statement (PDS) that you should be clear on. These include claims arising from:
Make sure you review 1Cover's PDS for a detailed breakdown of general exclusions.
You can submit your claim by downloading a claim form online and posting it to PO Box 6798, Baulkham Hills, NSW 2153.
Alternatively, you can submit a claim online by following these steps:
With over 1.5 million customers, 1Cover is among the most well-known insurers in Australia. Some of the standouts of 1Cover travel insurance include emergency assistance anywhere in the world, free cover for the kids, no age limits and cover for certain pre-existing medical conditions.
Where 1Cover might be lacking for you can be found in the fine print. While COVID-19 overseas medical expenses are covered, cancellation costs are not. This might be sufficient if your travel arrangements are flexible and can be refunded but for some, that risk might be too great to take on. Senior travellers should also be wary. If you're aged 80 years or older, a $3,000 excess applies for any claims associated with an injury, illness or medical condition.
If you're not quite sure about 1Cover, you can compare other travel insurance companies here.
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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.
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
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 apologise 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
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 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:
Please send me a message if you need anything else. :)
Cheers,
Joel