1Cover Travel Insurance

1Cover is a provider of travel insurance, car insurance and home insurance.

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The table below displays a snapshot of 1Cover’s travel insurance policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

 

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What types of travel insurance does 1Cover offer?

1Cover offers both domestic and international travel insurance policies. If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

What does 1Cover domestic travel insurance cover?

1Cover’s domestic travel insurance policy will cover you for accidental death, additional accommodation and travel expenses, rental car excess insurance, luggage, personal effects, lost deposits plus more.

Please note that exclusions may apply.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on 1Cover’s website.

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What does 1Cover international travel insurance cover?

1Cover’s comprehensive international travel insurance policy will cover you for medical expenses, lost luggage and associated expenses, additional accommodation and travel expenses, and a handful of ancillary expenses. For more details on what 1Cover travel insurance covers, check the Product Disclosure Statement.

Please note that exclusions may apply; several activities are not covered, including hunting, open water sailing, rock climbing and professional sports. Additionally, any injuries or damage to property sustained while under the influence of drugs or alcohol will not be covered.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on 1Cover’s website.

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1Cover FAQs

Yes, 1Cover’s comprehensive and ‘medical only’ international travel insurance policies have unlimited cover for overseas medical and hospital expenses.

As always, various conditions and exclusions will apply. For more information, read 1Cover’s Product Disclosure Statement.

Yes, 1Cover will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under 1Cover’s domestic travel insurance policy, you will be covered for up to $15,000 worth of luggage and personal effects.

Under 1Cover’s international travel insurance policy, you will also be covered for up to $15,000 worth of luggage and personal effects.

Both policies come with terms and conditions that determine what constitutes payable losses under the respective policies.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, 1Cover travel insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy.

1Cover’s domestic and international insurance policies both provide $50,000 worth of cover for additional accommodation and travel expenses, along with $1,000 worth of cover for any disruptions to your journey.

Read the Product Disclosure Statement for more information.

You can purchase a 1Cover travel insurance policy by first comparing your options with Canstar and then generating a quote online. 1Cover’s quote engine is reasonably simple, and a quote can be generated in a few minutes if you have all the details of your trip on hand.

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You can lodge a claim with 1Cover online or by post. Once you lodge a claim it will be processed within 10 business days, but 1Cover warns that if you lodge your claim by post it may add ‘unnecessary days’ to your assessment. By contrast, 1Cover says its online claims form only takes four minutes to fill out.

Check out our guide on how to make claiming for travel insurance easier.

1Cover was founded in 2003 as a travel insurer, with Lloyd’s underwriting its travel insurance products. While it’s still best known as a travel insurer, it now offers home and car insurance products as 1Cover General Insurance Pty Ltd, both underwritten by Auto & General Insurance Company Limited.

Since its founding, 1Cover has provided cover to over 1.5 million customers across Australia and New Zealand.

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Canstar Research
Rating:
Award: Outstanding Value Travel Insurance

Written by: James Hurwood | Last updated: