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1Cover Comprehensive Travel Insurance Review

Updated: Aug 8, 2023, 1:39pm

1Cover Comprehensive Travel Insurance is an affordable travel insurance product for those looking to travel to any of its 15 regions worldwide. It is easy to receive a quote online to find out the approximate total cost of your coverage, and the process for applying is also easy and straightforward.

While all ages are covered including children up to 19 years of age–pertaining to certain conditions–those aged 80 years older will incur a $3000 excess.

Related: How to find the best travel insurance policy for you .

• Quick application process online
• Unlimited medical cover that includes COVID-19 medical expenses
• Offers a 5% discount when applying online
• Individuals aged over 80 years old attract a $3000 excess
• Limited dental cover
• Winter Sports incur an additional fee for the sports and activity coverage

Table of Contents

About 1cover comprehensive travel insurance, what is covered, does it cover me for covid, what about pregnancy, what if i have a pre-existing medical condition, what about sports and activities, customer service, who should take out this insurance.

1Cover is solely a travel insurance company that has insured more than 1.5 million customers since its inception in 2003. With its specific focus, 1Cover offers Australians 10 different travel insurance plans across 15 regions worldwide, and provides customers with a 5% discount for taking out its comprehensive travel insurance plan online.

All of its travel insurance plans are underwritten by specific insurance underwriters at Llyod’s. Its comprehensive plan has been given an average ranking of 4.3 stars (out of 5) from 4553 reviews on Australia’s consumer review site, Product Review.

Related: Allianz Comprehensive Travel Review.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

1Cover Comprehensive Travel Insurance is available to all ages, and includes children up to age 19 in an adult’s plan–if the child is not in full time employment and is travelling with you 100% of the time.

Personal liability is covered up to $5 million, while credit card fraud is also covered up to $5000. While the insurance covers cancellations of its plan if policy holders decide it is not best for them, there are cancellation terms depending on your circumstances.

It also covers connecting flights if the layover was more than four hours and car hire excess of $5000, which can be increased to $6000, $7000 or $8000.

Lost luggage

1Cover Comprehensive Travel Insurance covers lost luggage up to the value of $15,000. For individuals requiring higher values, additional luggage cover can be added on at various rates depending on the value.

Unlimited overseas medical and hospital expenses are covered. Pre-existing medical conditions are also covered, but need to be disclosed prior.

Is dental cover included in medical?

The 1Cover Comprehensive Travel plan does include dental, however it is limited up to $1000.

It depends. The 1Cover Comprehensive Travel plan includes COVID-19 in its medical expenses. However, it does not include flight or travel cancellations due to COVID-19.

As mentioned, connecting flights are only covered if the layover was more than four hours. This includes missed connections due to COVID-related delays.

Pregnancy is covered up to week 24 if pregnant with one baby. For any more than one baby, the pregnancy cover is only up to week 19.

There are 35 pre-existing medical conditions that are covered by 1Cover Comprehensive Travel Insurance, as per its product disclosure statement. These include–but are not limited to–mental illness, heart conditions, any type of cancer, terminal illness and any physical or mental disability.

While these conditions are covered, a medical assessment may be required along with other past medical documentation of the condition.

There are more than 100 sports and activities covered in the 1Cover Comprehensive Travel Plan. However, winter sports are only covered when winter sports cover is added to the policy at an additional cost.

The Winter Sports pack must be added at least 24 hours before partaking in winter sport activities, and policy holders must be aged 64 or under at the time of the policy issuing.

According to reviews, 1Cover is easy to contact and has a good response over both web chat and email.

1Cover has 24/7 emergency assistance which can be accessed over the phone, and emailed enquiries will receive a response within a business day according to the 1Cover website.

1Cover comprehensive travel insurance is an affordable, comprehensive plan with multiple options to add or increase cover to suit the individual traveller. However, while unlimited medical expenses is ideal, there is a limit to dental of $1000–which could easily be exceeded if extensive overseas treatment is required.

All ages are covered, so anyone of any age can take out the policy (keeping in mind that there may be age restrictions for certain add-ons, such as the Winter Sports Plan). Travellers aged over 80 will incur an excess of $3000 and are only covered for a maximum of six months.

Frequently Asked Questions (FAQs)

Does 1cover travel insurance cover travel to bali.

1Cover includes Bali in its list of destinations.

For all Australian travellers entering into Indonesia, travel insurance with COVID cover is now mandatory. The requirements also include $100,000 in medical travel insurance cover, which 1Cover’s Comprehensive Travel Insurance policy meets due to its unlimited medical cover inclusion.

What is the 1Cover Travel Insurance phone number?

For emergencies only, 1Cover provides the following phone numbers to its customers depending on their destination for emergency assistance:

Australia: 1300 884 508 New Zealand: 0800 192 742 Thailand: 1800 011 857 USA/Canada: 1 855 912 3443 UK: 0808 178 5380 Indonesia: 001 8030 612 053

1Cover says the best way to contact the company about its travel insurance or questions about claims, is to send a message via its website support centre. For general sales and enquiries, you can contact [email protected] for response within a business day.

Is there a 1Cover Travel Insurance discount code?

For individuals taking out the 1Cover Comprehensive Travel Insurance online, a 5% discount will be applied.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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1Cover Comprehensive review

One trip policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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