1Cover Travel Insurance Review

Learn more about 1Cover’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today. 

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, updated on June 26th, 2023       

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Since its founding almost 20 years ago, 1Cover Travel Insurance has provided policies to more than 1. 5 million travellers and has become one of the country’s industry leaders. The company has offices in Sydney and Brisbane, with a strong presence in Australia and across the ditch in New Zealand.

The beauty of finding out about 1Cover’s policies with Savvy is that you can compare and contrast all the different variables to help you find the best deal. That includes weighing the claim limits, inclusions, exclusions and excesses so you can pick the most suitable coverage for your trip.

Don’t leave your travel insurance homework to the last minute – find out more about 1Cover’s options and grab a quote with Savvy today.

*Please note that Savvy does not represent 1Cover for its travel insurance products.

More about 1Cover Travel Insurance

What travel insurance policies does 1Cover offer?

1Cover offers a range of travel insurance policies, including:

  • Comprehensive: this policy includes unlimited coverage for cancellation fees, lost deposits and overseas medical treatment, as well as higher claim limits on benefits such as personal liability, stolen cash, the excess on a rental car and additional expenses.
  • Essentials: for those travelling on a tight budget, the essentials policy provides unlimited cover for medical treatment abroad and limited cover for cancellation and lost or damaged luggage. This policy omits some of the fringe benefits such as rental car excesses, extra accommodation costs and delays to your trip.
  • Medical-Only: this policy only covers you for medical expenses abroad (as well as personal liability) and is considerably cheaper than some of 1Cover’s other travel insurance products.
  • Domestic: taking a trip across Australia or visiting the family in another capital city? 1Cover offers a domestic travel insurance policy which covers unlimited cancellation costs, lost or damaged luggage, the excess on a hire car and extra accommodation or travel costs.
  • Already Overseas: if you’ve forgotten to take out travel insurance and already touched down at your destination, 1Cover offers a policy tailored to those already overseas. Keep in mind the policy has a 72-hour cooling-off period, meaning you won’t be covered until your policy kicks in.
  • Annual Multi-Trip Insurance: taking a few trips overseas throughout the year? You can take out one policy to cover you for multiple holidays across 12 months, provided they’re within 1Cover’s limits, which are between 21 and 90 days.
Comprehensive Essentials Medical-Only Domestic Already Overseas
Medical, dental and hospital expenses
Additional expenses
Luggage and personal items
Travel delay expenses
Personal liability
$5 million
$5 million
$5 million
$5 million
$5 million
Theft of cash
Rental car excess

Whether you're just taking a short trip across Australia or planning a trip to New Zealand, it's always a good idea to use Savvy to compare domestic and international travel insurance products before you buy.

What optional extras are available through 1Cover?

1Cover, like many other travel insurers, provides optional extras for both international and domestic holidays. These include:

  1. Ski and winter sports cover: if you plan on doing any winter sports on your holiday, this policy covers you in case of an emergency or an accident occurs on the slopes. Those over 65 aren’t eligible for this add-on, however.
  2. Cruise cover: setting sail on a cruise holiday?  This plan protects you if your cruise line cancels a pre-paid shore excursion or a missed port connection.
  3. Your choice of excess: there is a mandatory excess of $200 to pay before your insurance company can pay anything if you file a claim, which applies to all policies. However, with an optional $100 premium, you may lower your excess to $100.
  4. Rental vehicle excess cover: you can pay a little more to boost the coverage for your hire car if your insurance policy contains cover for its excess.
  5. Valuables cover: this add-on covers you in the event your valuables are stolen, damaged or go missing, such as cameras, laptops, mobile phones, and jewellery.

What exclusions should I be aware of when buying travel insurance through 1Cover?

It’s important you’re across the different exclusions before buying your travel insurance. Some of the general exclusions on 1Cover’s policies include:

  1. Acting recklessly or illegally
  2. Leaving your belongings unattended or unsecured
  3. Willingly travelling to a country with a ‘do not travel’ warning against it
  4. Accidents caused by alcohol or drug consumption
  5. Claims relating to obtaining certain travel documents such as visas or passports
  6. Loss of enjoyment or a potential business opportunity

If you’ve found a policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of 1Cover Travel Insurance

What we like

Coverage for COVID-19 costs

Unlike a handful of travel insurance companies, 1Cover provides coverage for a range of COVID-19-related expenses such as unlimited medical expenses, ambulance rides or repatriation back to Australia if you fall gravely ill.

Higher legal liability cover

While some insurers offer personal liability coverage around the $1 to $2 million mark, 1Cover offers $5 million claim limits across all their policies.

24/7 support

1Cover allows you to get in touch with their support team any time day or night, whether you suffer a medical emergency and need your expenses paid or are embroiled in another unexpected event.

What we don't like

Restrictive age limits

If you’re taking out a travel insurance policy and you’re over the age of 65, your options will be more limited. Policies for those already overseas and frequent travellers are restricted to those under 64, while essentials and medical-only plans are limited to those under 74.

Tight conditions on pre-existing medical issues

The travel insurance packages from 1Cover include coverage for pre-existing conditions such as asthma and diabetes at no additional cost. However, you'll need a medical examination to be covered if you have a serious medical condition, such as multiple sclerosis or a heart issue.

Pay extra to take a cruise

If you’re looking to sail the high seas on a luxury liner, you’ll need to take out additional cover on your standard travel insurance policy.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about 1Cover Travel Insurance

How do I make a claim through 1Cover?

1Cover allows you to make a claim on your travel insurance policy day or night online through their website. If you need to make a claim, these are the steps you’ll need to follow:

  • Log into the claim portal and take up to ten minutes to complete the form
  • Gather your supporting documents, such as receipts or medical reports, and attach them to your claim

Once you’ve submitted your claim, 1Cover will confirm your claim with an email. It can then take up to ten business days for a claim to be processed and a support person to reach out if they have any extra questions.

Does 1Cover offer coverage for pregnancy?

Yes – 1Cover’s travel Insurance policies offer coverage for pregnant travellers up to their 24th week of gestation if they’re expecting only one child or their 19th week if they have multiple children on the way. While you’re covered for any emergency medical expenses or cancellation costs, you won’t be covered for childbirth or the care of a newborn baby.

How much will my 1Cover travel insurance cost?

There’s no such thing as an average cost of travel insurance, as the price of your premium depends on a stack of variables. These can include:

  • Your date of birth
  • Your chosen destination (for example, a trip to America costs more than a holiday to New Zealand because of the lack of universal healthcare)
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy
What are the differences between single, annual and one-way trip travel insurance?

Multi-trip travel insurance policies cover you for several holidays taken over 12 months, while single-trip policies only protect you on one holiday. One-way trips are altogether different and only offer you coverage if you haven’t yet booked a return ticket back to Australia.

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