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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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.
You may compare policies from the providers in our insurance panel by entering your travel details into the travel insurance form.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement 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.
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