1Cover Travel Insurance Review
1Cover Travel Insurance is a specialist travel insurance provider that protects Australian and New Zealand travelers. With over two decades of experience serving over 2 million customers, 1Cover has built a solid reputation for its focus on travel-specific risks and reliable service.
Unlike multi-purpose insurers, 1Cover concentrates solely on travel insurance, allowing the insurer to develop deep insights into the nuances of travel-related issues and travelers’ unique needs.
| 🔎 Date Established | 2003 |
| 📌 Headquartered | Australia |
| 📍 Regulation and Compliance | 1Cover Pty Ltd is an authorised representative of Coffre-Fort Pty Limited, ABN 66 125 358 518, AFS Licence No. 472457 |
| 📉 Type of Travel Insurance Plans Offered | Single Trip, Annual Multi-Trip, Domestic, Comprehensive, Medical Only |
| 📈 Key Cover Areas | Medical Cover, Trip Cancellation/Interruption, Baggage Loss, Personal Liability, Emergency Evacuation |
| 📊 Emergency Assistance Services | 24/7 emergency assistance, including medical and non-medical support |
| 💹 COVID-19 Cover | Medical costs and quarantine expenses |
| 🅰️ Maximum Cover Limits | Unlimited for medical cover, varying limits for other components |
| 🅱️ Adventure and Sports Cover | Available as add-ons (Snow Cover and Winter Sports) |
| 🖱️ Claims Submission Process | Online claims portal |
| 🔟 Average Claim Settlement Time | 10 business days |
| 🥰 Customer Support Availability | 24/7 for emergency, standard hours for general support |
| 📲 Mobile App and Digital Services | Policy and Claims Manager online portal |
| 🌟 Customer Reviews and Ratings | 4.2/5 based on over 1,600 reviews |
| 💶 Annual Premium Range | From $115.20 per month |
| ↪️ Exclusions and Limitations | Pre-existing conditions, high-risk destinations, pandemic exclusions except for COVID-19 |
| 💵 Discounts and Promotions | $10,000 flight voucher promotion |
| ➡️ Policy Limits and Flexibility | Flexible cover, duration limits on some policies |
| 🌎 Global Reach and Market Presence | Covers Australia and New Zealand |
1Cover Plan Comparison and Overview
| 🔎 Plan Option | 📉 Features | 💶 Min and Max Premium | 📈 Cover Limits | 📊 Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 📲 Mobile App Offered | 💶 Discounts Available |
| 📉 Comprehensive / Overseas Frequent Traveller | Extensive medical, hospital, cancellation cover, personal belongings, trip disruption | $152.62 - $556.26 | High cover for medical, cancellation, belongings | High-risk activities without add-ons, pandemics | Frequent international travelers | ✅Yes | None | ✅Yes |
| 📈 Medical-Only | Medical and hospital cover, dental emergency, medical evacuation | $146.89 - $152.62 | Medical-focused cover | No trip disruption, no belongings cover | Health-focused travelers | ✅Yes | None | None |
| 📊 Domestic / Domestic Frequent Traveller | Personal liability, luggage protection, limited trip disruption | $115.20 - $251.12 | Emergency medical, personal belongings | No international cover | Domestic travelers | ✅Yes | None | ✅Yes |
Travel Insurance Plans and Cover Options
Comprehensive / Overseas Frequent Traveller
This plan is for international travel and has extensive medical and hospital benefits, trip cancellation cover, and support for personal belongings and travel disruptions.
Frequent travelers can opt for an annual multi-trip cover under this plan, which includes benefits for multiple journeys within a year.
| 🔎 Feature | 📌 Description |
| 💶 International Medical Expenses | Extensive cover for hospitalization, emergency treatments, and medical evacuation |
| 💵 Cancellation Fees and Deposits | Covers non-refundable trip expenses due to unforeseen cancellations up to specified limits |
| 🧸 Luggage and Personal Belongings | High cover limits for lost, stolen, or damaged items, including electronics and high-value items |
| 🚗 Alternative Transport | Reimbursement for alternate transport to reach missed destinations due to delays or cancellations |
| 🅰️ Annual Multi-Trip Option | Available for frequent travelers with a cap on trip length per journey |
| 🅱️ Adventure Add-Ons | Options to add Winter Sports Pack and Cruise Pack for tailored adventure activities |
Essentials
A more streamlined international plan, Essentials offers essential medical cover and basic travel protection without including the broad cover options of the comprehensive plan. It suits travelers who prioritize essential medical and hospital cover for overseas trips.
| 🔎 Feature | 📌 Description |
| 💶 International Medical Cover | Essential medical and hospitalization cover for emergencies abroad |
| 💵 Cancellation Cover | Limited reimbursement for trip cancellations or delays caused by unexpected events |
| 🧸 Personal Items | Moderate limits on belongings and luggage cover, with basic protection for personal effects |
| 🥺 Accidental Death Cover | Lump-sum benefit in the event of accidental death during the trip |
| 📍 No Adventure Add-Ons | This plan does not offer the option to add cover for adventure or high-risk activities |
Medical-Only
As the name suggests, the Medical-Only option only has medical and hospital expense cover, which is ideal for travelers who need straightforward health protection while abroad.
The Medical Only plan is for trips where medical support is the primary concern, without including additional travel-related cover.
| 🔎 Feature | 📌 Description |
| 💶 Hospital and Medical Expenses | Covers overseas hospital stays, surgical costs, and emergency repatriation |
| 💵 No Trip Disruption Cover | Does not cover cancellations, delays, or alternative transport needs |
| ✈️ Medical Evacuation | Includes medical evacuation costs for emergencies requiring transport back to Australia |
| 🦷 Dental Emergency | Limited emergency dental treatment cover for unexpected dental issues abroad |
| 💛 Focused Health Protection | Purely medical-focused cover, excluding personal belongings or high-risk activity options |
Domestic / Domestic Frequent Traveller
Designed for trips within Australia, this plan includes benefits such as personal liability, luggage protection, and limited trip disruption coverage. The annual multi-trip option covers multiple journeys within the country.
| 🔎 Feature | 📌 Description |
| 💶 Medical Expenses (Domestic) | Covers limited emergency medical expenses during domestic travel |
| 💵 Personal Liability | Financial protection for personal liability incidents occurring in Australia |
| 🔖 Luggage Cover | Protection for stolen or damaged personal belongings on domestic trips |
| 📉 Trip Disruption Cover | Basic cover for cancellations and alternative transport within Australia |
| 📈 Annual Multi-Trip Option | Option for frequent domestic travelers, with multiple trip cover for domestic journeys |
| 📊 No International Cover | This plan does not include any international travel benefits or high-risk activity options |
Adventure and High-Risk Activity Cover
1Cover has optional add-ons tailored to specific high-risk activities, including the following:
Winter Sports Pack
Covers skiing and snowboarding activities like equipment hire, piste closure, and emergency rescue. The plan is available to travelers under a specified age limit.
Cruise Pack
This optional add-on is ideal for travelers on ocean or river cruises, covering cruise-specific risks like missed port cover, cabin confinement, and medical expenses on board. The Cruise Pack must be added to a base plan to extend cover for cruise-related incidents.
Key Features and Benefits of 1Cover Travel Insurance
Below is a breakdown of 1Cover’s unique selling points, optional add-ons, family and group benefits, and COVID-19-related cover.
Unique Selling Points and Add-On Options
24/7 Emergency Assistance
Travelers can access support no matter where or what time it is. This service includes medical guidance and logistical support for emergencies, such as arranging alternative transport or hospital admission in a foreign country, giving travelers robust, all-encompassing help when they need it most.
Flexible Refund Policies
Besides a cooling-off period for new policies, 1Cover has flexible refund policies.
Cruise Pack Add-On
The Cruise Pack extends cover for cruise-related incidents, including:
- Onboard medical expenses
- Missed port stops due to schedule changes
- Cabin confinement
Winter Sports Pack Add-On
1Cover’s Winter Sports Pack covers skiing, snowboarding, and other high-altitude activities. The add-on includes protection for:
- Piste closures
- Equipment rental
- Avalanche-related delays
Family and Group Travel Benefits
1Cover offers family and group travel policies that provide consistent benefits for all members under one policy. Dependents under 19 traveling with the policyholder are covered for medical expenses, luggage protection, and trip disruptions. These consolidated policies are ideal for extended families or groups, ensuring all members receive the same support for medical, liability, and trip-related issues.
| 🔎 Benefit | 📌 Description | 📍 Applicability |
| 🥰 Dependents Cover | Allows dependents under 19 to be included in family policies, covering health, luggage, and trip disruptions | Families with dependents |
| 🅰️ Group Travel Policy | Consolidates cover for groups traveling together, providing the same support level across all members | Large groups, family trips |
| 🅱️ Single Policy Management | Simplifies administration and cost with a single policy covering all listed family members or group members | Families, friends, groups |
COVID-19 and Pandemic-Related Cover
1Cover includes COVID-19 cover options that address potential issues ranging from medical needs to trip disruptions. The table below outlines cover items included in 1Cover’s COVID-19 policy.
| 🔎 COVID-19 Cover Benefit | 📌 Description |
| 📉 Medical Cover for COVID-19 | Hospitalization, emergency treatment, and associated medical costs if diagnosed with COVID-19 while traveling |
| 📈 Quarantine Accommodation | Financial support for accommodation if quarantine is required due to a positive test or exposure. |
| 📊 Trip Cancellation Due to COVID-19 | Non-refundable costs if a trip is canceled due to contracting COVID-19, government restrictions, or required quarantine |
| 💹 Trip Disruption Due to Government Restrictions | Financial loss if travel is disrupted or canceled due to government-imposed restrictions related to COVID-19 |
| 💱 Return Trip Delay Cover | Reimbursement for accommodation and rebooking expenses if return trips are delayed due to COVID-19 restrictions |
1Cover Travel and Health Cover Overview
1Cover Travel Insurance policyholders receive health and travel coverage for their medical needs and health-related incidents abroad.
The sections below outline each major area of health coverage, including emergency assistance, hospitalization, specific limitations like pregnancy-related cover, and other unique health benefits.
Emergency Medical Assistance
1Cover’s 24/7 emergency medical assistance supports travelers in urgent health situations. This assistance includes coordination and logistical support in accessing medical facilities globally. Aspects of this assistance include:
If a medical emergency requires transport to another facility or a return to Australia, 1Cover arranges evacuation or repatriation based on the severity of the condition, including the cost of medically necessary flights and coordination with healthcare providers.
When hospitalization is required, 1Cover facilitates admission arrangements and medical referrals to appropriate healthcare facilities.
Travellers can access doctors and nurses through 1Cover’s support team for continuous guidance on treatment options, necessary procedures, and updates on the traveller’s medical condition.
Hospital and Medical Expenses
The hospital and medical expenses component of 1Cover covers critical medical needs, especially in emergencies. Key benefits under this cover include:
- In1Cover covers hospital admissions and outpatient care for travelers to seek medical attention for injuries or illnesses sustained during their trip.
- Cover extends to emergency room visits and specialist consultations, making it suitable for urgent health concerns that require immediate diagnosis and treatment.
- Essential medications prescribed as part of emergency medical treatment are also covered.
Moreover, Emergency ambulance transport is available by ground or air when policyholders must be transferred to a medical facility.
Pregnancy Cover
1Cover includes benefits for pregnancy-related medical needs but also outlines limitations. 1Cover covers pregnancy complications up to a specified gestational period, giving policyholders access to emergency medical services if the pregnancy creates unexpected health issues while traveling.
Cover for pregnancy-related events is limited to women traveling up to a certain gestational period. Beyond this stage, pregnancy-related incidents are typically not covered.
Dental Cover
1Cover offers dental benefits specifically for emergency dental treatments, designed to address unexpected dental issues that arise during the trip:
Emergency Dental Treatment: The cover includes emergency dental treatment costs if a traveler experiences severe dental issues, such as tooth injuries due to an accident. This benefit does not extend to non-emergency dental procedures or cosmetic dental work.
Treatment for Pain Relief: In sudden and acute dental pain, treatment focused on pain relief may be covered to allow travelers to manage immediate discomfort until they return home for further treatment.
Additional Health and Travel Cover Details
1Cover Travel Insurance also provides a range of supplementary health-related benefits designed to address specific scenarios encountered by travelers, as outlined below:
| 🔎 Health and Travel Benefit | 📌 Description | 📍 Limitations/Exclusions |
| 🧑⚕️ Ongoing Medical Care for Injuries | Continued medical care for injuries sustained during the trip, including necessary follow-up appointments and treatments to manage recovery | Excludes treatment for pre-existing conditions |
| 🩷 Mental Health Crisis Support | Emergency cover for mental health crises during travel provides access to urgent psychological or psychiatric care as needed | Limited to emergencies; excludes ongoing therapy |
| 🩺 Repatriation of Remains | Covers the cost of returning the traveler’s remains to their home country or for local burial arrangements | Cover limits and conditions apply |
| 🌡️ Trip Interruption Due to Health | Travel and accommodation expenses if a trip is interrupted due to an emergency medical issue, including return transport if medically necessary | Excludes voluntary interruptions unrelated to medical needs |
Pricing, Premiums, and Value for Money
The cost of premiums for 1Cover policies depends on some of the following factors:
- Travel to regions with higher medical costs or risks will result in higher premiums.
- Longer trips incur higher premiums due to the extended cover period.
- Older travelers face increased premiums reflecting higher health risks.
- Premiums are influenced by the excess, with higher excess levels leading to lower premiums and vice versa.
Moreover, adding covers such as the Cruise Pack, Winter Sports Pack, or High-Value Items will increase the overall cost.
Premium Costs
The following table summarises typical monthly premium costs for various 1Cover policies:
| 🔎 Policy Type | 🅰️ Monthly Premium (Without Discount) | 🅱️ Monthly Premium (With Discount) |
| ✈️ Domestic Travel | $115.20 | $109.44 (with $200 excess, <25) |
| 🚤 Cruise Cover | $138.24 | N/A |
| ❄️ Snow Cover | $62.20 | N/A |
| 🏖️ Frequent Traveller (Domestic, 45 days) | $251.12 | $234.70 (with $200 excess, <25) |
| 🌎 International Medical Only | $152.62 | $146.89 |
| 🌄 International Comprehensive | $152.62 | $146.89 |
| 🌞 Frequent Traveller (International) | $556.26 | $519.87 |
| 🌅 International Extras (Cruise) | $66.29 | N/A |
| ⛄ International Extras (Snow) | $132.55 | N/A |
Excess Options
The excess is the amount policyholders agree to pay out-of-pocket when they claim. 1Cover has flexible options when policyholders choose their excess level, ranging from $0 to $500.
A higher excess results in a lower premium, and a lower excess increases the premium. For example, if a policyholder chooses a $200 excess and submits a claim for $600, they will pay the first $200, and 1Cover will cover the remaining $400.
Cancellation Policies
1Cover has a 14-day cooling-off period where policyholders can cancel their policy and receive a full refund only if no claims were made and they haven’t departed on their journey yet.
After this period, refunds are not available, but exceptions can apply depending on the circumstances, like significant changes in travel plans or unforeseen events.
1Cover Travel Insurance Discounts and Incentives
1Cover runs a promotional offer where policyholders can enter a draw for a $10,000 flight voucher.
This incentive is associated with promotional campaigns, and policyholders are automatically entered into the draw when they purchase travel insurance with 1Cover during the campaign period (1 October 2024 to 15 November 2024).
How Do I Apply For Travel Insurance with 1Cover?
Applying for a 1Cover Travel Insurance policy involves a multi-step process where travelers get a preliminary quote, select the appropriate cover, enter personal information, and submit their application.
Below is a step-by-step guide for completing the application accurately and ensuring all necessary documentation is prepared and submitted.
Step-by-Step Application Process
Here’s an easy step-by-step guide to getting a 1Cover travel insurance quote:
1. Step 1: Request a Quote
Visit the 1Cover website or contact their customer support team to get a quote.
2. Step 2: Enter Travel Information
Provide details like your destination, travel dates, number of travelers, and each traveler’s age.
3. Step 3: Choose Your Cover
Based on the quote, select the insurance type that suits your plans—single-trip, multi-trip, or a special plan like the Cruise or Winter Sports Pack.
4. Step 4: Review Add-ons
Look at the optional add-ons to make sure your policy includes everything you need.
5. Step 5: Add Family or Group Members
If traveling with family or a group, include dependents and others under the policy. Make sure to provide each member’s age and relationship to the primary policyholder.
6. Step 6: Provide Personal Information
Give the full names, ages, and contact details of everyone covered. Also, confirm travel info like destinations and dates.
7. Step 7: Review and Confirm
Double-check all the information, including the policy details, coverage, premiums, and add-ons.
Once everything is verified, proceed with the application to finalize your policy.
Key Documentation Required
To complete the application process, ensure that the following documents and details are uploaded or emailed to 1Cover:
- Government-issued ID or passport information for all insured individuals.
- Any relevant medical history or documentation for pre-existing conditions if they apply to your chosen cover.
- Provide information on dependents’ ages and relationships to the policyholder for family policies.
Considerations When Applying
Consider the following factors before applying for cover with 1Cover:
- Some policies or add-ons have age restrictions for high-risk activities and extended travel periods.
- Understand the cover limits relating to pre-existing medical conditions because these require additional documentation or might be excluded from the standard policy.
Moreover, certain destinations affect the availability or terms of coverage, especially for high-risk regions or areas with specific health advisories.
How Can I Claim For Travel Insurance with 1Cover?
Claiming with 1Cover Travel Insurance is easy if you have all the relevant information and supporting documentation that serves as proof. Here is a detailed guide on submitting a claim.
1. Step 1: Log In to the Claims Portal
Go to 1Cover’s website and log in using your policy details. If you don’t have an account, create one.
2. Step 2: Choose Your Claim Type
Select the type of claim you need to submit (medical expenses, trip cancellations, lost belongings, etc.).
3. Step 3: Fill Out the Claim Form
Provide details about the incident, including the date, location, and description of what happened.
4. Step 4: Attach Required Documents
Upload the necessary documents for your claim. Ensure they are clear and correctly labeled.
5. Step 5: Submit Your Claim
Review all the information and submit your claim.
6. Step 6: Track Your Claim
Use the claims portal to monitor the progress of your claim as it is reviewed and processed.
1Cover typically processes claims within 10 business days. If additional information is needed, delays may occur, so make sure to check for updates and respond quickly.
Adding Additional Members
Dependents, including children under 19 years of age who are not full-time employed, can be included in a 1Cover family policy when traveling with the primary policyholder.
The policyholder must ensure that dependents meet the age and relationship criteria outlined in the plan.
Full-time working children or those older than 19 will require separate cover because they don’t qualify to be included under the family policy.
Process for Adding Members
Family members or dependents can be added to a 1Cover policy during the initial policy purchase. Here’s how to declare and include additional members:
- At Policy Purchase: When purchasing a policy, select the family cover option and enter the details for each family member or dependent.
If member info must be updated after the purchase, contact 1Cover customer service to assist and modify policy details.
1Cover Travel Insurance Upgrades and Downgrades
1Cover Travel Insurance offers policyholders flexibility to adjust their cover through upgrades and certain downgrade options, allowing travelers to customize their protection according to specific trip requirements.
These options cater to additional needs, such as covering high-risk activities or ensuring broader protection for valuables, enabling travelers to personalize their policy without purchasing separate plans.
Upgrade Options
Policyholders can add optional upgrades to their travel insurance plans. These upgrades are available at the time of purchase and, in some cases, can be added later if they align with the trip details and eligibility requirements.
Cruise Pack
Covers cruise-related incidents like onboard medical expenses, missed port stops, and cabin confinement. This option is ideal for anyone planning ocean or river cruises and covers common cruise travel needs.
Winter Sports Pack
This add-on is for anyone engaging in high-risk winter activities. This pack covers skiing, snowboarding, equipment hire, and protection for piste closures and avalanche-related delays.
High-Value Item Protection
Offers additional cover for high-value personal items, ensuring cover beyond the standard policy limits for items like electronics, jewelry, or other valuable possessions.
Downgrade Policy
While upgrades allow for expanded protection, downgrading cover restricts certain add-ons and services.
Policyholders can adjust their cover within the cooling-off period. Downgrades are restricted after this timeframe or if the policy has already started. Travelers who want to modify their policy should review 1Cover’s terms on downgrades regarding timing and eligibility.
1Cover Digital Tools and Apps
1Cover Travel Insurance has digital tools to assist policyholders in managing policies and claims, but the insurer doesn’t currently offer a dedicated app for iOS or Android devices. Instead, the available tools can be accessed through the online Policy and Claims Manager.
- Policy Management: Using the online portal, policyholders can view, update, and manage their insurance policies.
- Claims Submission: The portal offers an integrated claims submission system where users can start and submit claims directly.
Policyholders can upload documentation, like receipts, medical, and incident reports, within the portal.
1Cover Travel Insurance Additional Services, and Benefits
In addition to standard travel insurance, 1Cover offers specialized services and benefits for policyholders. These include Pet Boarding Cover for extended trips, Rental Car Excess Cover for damage or theft, and Travel Delay Allowances to compensate for accommodation and meal expenses during delays.
1Cover also assists with Lost Passports, Missed Connections, and financial support for Hijacking or Hostage situations. If a pet is injured or dies during the trip, the policy covers compensation, while Alternative Transport Costs are provided if original transport is disrupted.
Additionally, in the event of a death while traveling, 1Cover covers funeral expenses or repatriation of remains.
How to Switch to 1Cover Travel Insurance
Follow these steps to make the transition seamless, considering any required eligibility criteria and pre-conditions:
- Review the benefits and terms of your existing travel insurance policy.
- Contact your current insurance provider to cancel the policy.
- Confirm the end date of your current cover and avoid gaps in the cover by aligning it with the start of your new 1Cover policy.
- Visit the 1Cover website or contact customer support and get a personalized quote.
- Check that you meet 1Cover’s eligibility requirements.
- Submit your application with 1Cover and make the payment to activate your policy.
Confirm the start date aligns with your travel schedule to ensure continuous coverage.
Exclusions and Limitations of 1Cover Travel Insurance
The following table outlines the main exclusions in 1Cover policies, detailing circumstances where cover is unavailable.
| 🔎 Exclusion Type | 📌 Description |
| 📉 Pre-Existing Conditions | Pre-existing medical conditions, unless declared and approved by 1Cover |
| 📈 Epidemic and Pandemic-Related Events | Incidents directly resulting from epidemics or pandemics, except under conditions within certain policy types |
| 📊 High-Risk Activities | High-risk activities, such as skydiving or bungee jumping, unless covered |
| 💹 Motorcycle-Related Incidents | Incidents involving motorcycles above a certain engine capacity or if the rider lacks a valid license |
| 📍 Alcohol or Drug Influence | Incidents where the insured is under the influence of alcohol or drugs |
| ⚙️ Professional Sports | Injuries or incidents resulting from participation in professional sports or extreme sports not covered |
| 🍼 Pregnancy Beyond a Certain Term | Complications from pregnancy beyond a specific gestational period are excluded |
How Do I Contact 1Cover Travel Insurance Customer Support?
Contacting 1Cover Travel Insurance for assistance is straightforward, with multiple options available to suit your needs.
Emergency Contacts
In case of medical emergencies or urgent travel issues, 1Cover has a dedicated emergency contact line available 24/7. This line is for critical incidents like health emergencies or urgent evacuation needs and is accessible internationally with a toll-free number for travelers abroad.
Standard Customer Support Options
- Phone: A customer service line is available during standard business hours to assist with policy questions, renewals, and claim updates.
- Email: For less urgent queries or documentation submissions, customers can email the support team.
- Claims Portal: The online claims portal also includes support features, allowing users to check claim statuses and submit additional information directly.
Contact Details Table
| 🔎 Contact Method | 📌 Details |
| 🚨 Emergency Assistance | Available 24/7, 365 days a year for emergencies only |
| ☎️ Phone (Overseas) | +61 2 8776 3010 |
| 📱 Phone (Within Australia) | 1300 884 508 or +61 2 8776 3010 |
| [email protected] | |
| 📍 International Toll-Free Numbers | UK: 0808 178 5380 Australia: 1300 884 508 New Zealand: 0800 192 742 Thailand: 1800 011 857 USA/Canada: 1 855 912 3443 |
Whether it’s an emergency or a general inquiry, 1Cover ensures you have the support you need, whenever you need it.
Customer Reviews and Satisfaction
1Cover has an overall rating of 4.2 out of 5 from more than 1,600 reviews. Here are some of the most recent customer comments we sourced:
🥇 Quick and Easy Claims Process
I lost my phone while traveling, but 1Cover made the claims procedure easy. They explained the paperwork, and my claim was addressed quickly. I was amazed at how fast things went.
🥈 Medical Expenses Covered During Emergency
After breaking my leg mountaineering in Bali, I incurred approximately $25,000 in medical expenditures. 1Cover travel insurance saved me from medical bills and let me recuperate without worry.
🥉 Support During Trip Cancellation
Due to unexpected medical issues, I had to cancel my European vacation. 1Cover effectively covered my non-refundable charges. Customer support was kind and helped me through the procedure.
How Do I Submit Feedback or Complaints?
1Cover Travel Insurance lets policyholders submit feedback and lodge complaints directly to customer support. These channels let policyholders share their experiences, offer suggestions, or address any policy or service experience concerns.
Complaint Resolution Process
If a policyholder has a complaint, the following process can be followed:
- Policyholders can initiate a complaint by contacting 1Cover’s dedicated complaints department. Complaints can be submitted via phone or email.
- Once a complaint is received, 1Cover will review the issue and respond within 10 business days.
If a satisfactory resolution is not reached, policyholders can escalate the complaint. 1Cover has additional avenues for further review, ensuring that unresolved issues are given appropriate attention.
1Cover Travel Insurance Awards and Recognition
1Cover has received the following awards and recognition:
- Best Travel Insurance Provider: For outstanding service and comprehensive cover.
- Customer Service Excellence Award: Recognised for exceptional support and assistance to policyholders, reflecting a positive experience throughout the claims process.
- Insurance Provider of the Year: Honoured for overall excellence in customer service and product offerings in the travel insurance sector.
- 5-Star Rating for Customer Satisfaction: Awarded a prestigious rating, indicating superior customer satisfaction regarding their experiences with 1Cover’s services.
With over 2 million satisfied customers, 1Cover stands out as a reliable insurance provider. 1Cover has more than 1,600 customer reviews and a rating of 4.2/5.
1Cover Travel Insurance vs Bupa Travel Insurance vs Allianz Travel Insurance
| 🔎 Metric | 🥇 1Cover Travel Insurance | 🥈 Bupa Travel Insurance | 🥉 Allianz Travel Insurance |
| 🅰️ Plan Name | Single Trip, Annual Multi-Trip, Domestic, Comprehensive, Medical Only | International Plus, International Essentials, Domestic, Annual Multi-Trip | Comprehensive, Basic, Domestic, Multi-Trip |
| 🅱️ Premium Range (Trip-Based or Annual) | From $115.20 per month on Domestic Plans | From $36/month for Essentials, $50/month for Plus | Basic Single Plan from $218; Comprehensive Single Plan from $306 |
| 📉 Cover Limits | Unlimited for medical cover, varying limits for other components | Up to unlimited medical overseas, up to $12,000 luggage, $10,000 rental car excess | Medical: Unlimited; Luggage: Up to AUD 10,000; Liability: AUD 5 million |
| 📈 Key Cover Areas | Medical Cover, Trip Cancellation/Interruption, Baggage Loss, Personal Liability, Emergency Evacuation | Medical, cancellations, personal liability, emergency assistance, COVID-19 benefits | Emergency medical expenses, trip cancellation, baggage loss, personal liability, rental vehicle excess |
| 📊 Exclusions | Pre-existing conditions, high-risk destinations, pandemic exclusions except for COVID-19 | Excludes high-risk activities without add-on, pregnancy-related past 24 weeks | War, terrorism, pandemics without policy endorsement, high-risk activities without add-ons |
| 💹 COVID-19 Cover | Medical costs and quarantine expenses | Medical costs and trip disruptions for COVID-19 | Medical expenses, trip cancellation, additional quarantine expenses if diagnosed |
| ❤️ Ideal For | Domestic, International, Frequent Travellers, and anyone who wants to add cover for adventurous activities | Travelers who want flexible add-ons for adventure activities and high cover limits | Customizable cover, frequent travelers |
| 📍 Emergency Assistance | 24/7 emergency assistance, including medical and non-medical support | 24/7 emergency support | 24/7 assistance |
| 📱 Digital Access and Mobile App | No app only offers the online portal | Access via the myBupa app and online portal | Online portal, app availability |
| 🌟 Special Features | Add-ons for sports, cruise, car rental, extensive medical cover | Discounts for Bupa health members, flexible limits on baggage and cancellations | Add-ons for sports, cruise, adjustable excess |
| ⏰ Average Claim Settlement Time | 10 business days | 10 business days | 10 business days |
Who Should Consider 1Cover Travel Insurance?
1Cover Travel Insurance provides reliable coverage and exceptional support, ensuring peace of mind during your travels.
Domestic Travellers
1Cover is for individuals traveling within Australia for less than 90 days. This includes occasional travelers and those who frequently explore various regions in the country. Here are a few benefits for domestic travelers:
- Flexible trip durations of 21, 45, or 90 days
- Compatibility with valid Australian Medicare cover
- Affordable premiums tailored to short-term domestic travel
International Travellers
1Cover has comprehensive policies that support journeys for up to 365 days for international travelers. Here are a few key benefits:
- Extensive cover for medical emergencies and trip cancellations
- Emergency evacuation cover
- Personal liability protection against damages or injuries caused while abroad
- Travel delay and additional accommodation expenses cover
- Assistance with lost luggage and personal belongings
Medical-Only Policy
The Medical-Only policy is for travelers under 74 who only require medical cover without extras like luggage or cancellation cover. Here are a few key benefits:
- Focused medical protection for overseas emergencies
- Cost-effective option for travelers seeking minimal cover
- Quick claims processing for medical expenses incurred abroad
Travelers with Specific Needs (Cruise and Winter Sports)
For anyone planning to participate in cruising or winter sports, 1Cover has specialized add-on packs that provide targeted cover. Here are a few key benefits:
- Optional Cruise Pack for onboard medical expenses and missed ports
- Winter Sports Pack covering skiing, snowboarding, and related activities
- Rental equipment cover
With 1Cover, you can travel with confidence, knowing that you’re protected in a variety of unexpected situations.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Extensive family cover options | Age restrictions on certain policies |
| Pet boarding expenses covered | Waiting periods for certain claims |
| Lost luggage and personal belongings cover | Potential for longer processing times on claims |
| Cover for trip cancellation if there are unforeseen events | Limited cover for high-risk activities |
| Customizable add-ons for specific needs | Cancellation fees may apply after a cooling-off period |
| Travel delay allowance | Restrictions on cover for specific destinations |
| Comprehensive cover for medical expenses | Some limits on emergency medical transport |
In Conclusion
Overall, in our experience, 1Cover stands out by only offering travel insurance, ensuring that the insurer focuses on the needs of over 2 million New Zealand and Australian policyholders.
1Cover offers well-integrated add-ons, like the Cruise and Winter Sports packs, enhancing the base policies with specific, real-world applications.
The family policy flexibility covers dependents under a single plan and simplifies travel planning for families and groups. 1Cover also has an easy claims procedure, with claims processed within 10 days. There are also 1,600+ reviews, and 1Cover has a customer rating of 4.2 out of 5, which is extremely high.
However, we must indicate that while 1Cover’s approach suits most travelers, there are limits like age restrictions for activities and no dedicated app that can give policyholders remote access to their policies.
Despite the drawbacks, 1Cover seems like a flexible and affordable option for international, domestic, and frequent travelers.
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Frequently Asked Questions
Can I extend my 1Cover policy while traveling?
Yes, policy extensions are possible if the request is made before a current policy expires and certain criteria are met.
Can I cancel my 1-Cover policy and receive a refund?
Yes, policies can be canceled for a full refund during a cooling-off period, if you haven’t claimed and your trip hasn’t started. After this period, refunds are subject to policy terms and could include cancellation fees.
How can I file a claim with 1Cover?
Claims can be submitted online using the 1Cover website by completing a claim form and uploading supporting evidence.
Does 1Cover cover the rental car excess?
Yes, some plans include rental car excess protection to pay the excess amount imposed by rental companies if there’s damage or theft.
