??!

Don’t use 1Cover

We thought we were getting good value insurance for our overseas holiday and Mediterranean cruise, particularly selecting an in advance of departure policy including cruise cancellation insurance. As you can gather our cruise was cancelled due to a mechanical failure 24 hours before we were due to board. We advised 1Cover immediately and the representative told us not to worry you have cruise cover make the changes to re book another cruise and we’ll take care of your on costs when you return. On return we submitted our claim with receipts and the help of our Tavel agent. 1Cover replied and declined our claim due to the cruise cancellation by a mechanical issue! Which is stated in the t&c small print but not when you select full cruise cover at the time of purchase. We will be taking as far as we can and to the media. Personally I will never use 1Cover again and I will vigorously promote the non use of 1Cover on social media and family and friends throughout the world.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationEurope
Insurance TypeSingle Trip
Claim MadeYes
Claim DateAugust 2019
Claim ApprovedNo

Travel protection

Yes good value. used this company 2-3 times now. I had a phone damaged this time where it smashed but haven’t lodged a claim not sure if I can now?

Insurance Cover For:Adult
DestinationEurope
Insurance TypeSingle Trip
Claim MadeNo

Well priced with having a pre-existing medical condition

Well priced with having a pre-existing medical condition.
First time and will use again.
Very easy to navigate and get a quote and them submit to an order.
Thankfully I didn't have to use while away.

Value for Money
Transparency
Insurance Cover For:Adult
DestinationSouth-East Asia (e.g. Bali, Vietnam, Thailand)
Insurance TypeSingle Trip
Claim MadeNo

Easy to buy

Good value, easy to buy.
Fortunately, I didn’t need to use it..
This is the 3rd or 4th time I’ve used 1cover travel insurance.
Why change if it’s not broken.
Will probably use them again next year if the value remains

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationSouth-East Asia (e.g. Bali, Vietnam, Thailand)
Claim MadeNo

Wonderful cover

We have been used different travel insurances in the past but we decided to get 1Cover in our recent overseas travel based on the good review.
Unfortunately, our recent overseas travel saw me getting my wallet stolen on the 2nd day of travel and on the 4th day, someone dropped our camera. Losing the wallet was frustrating as that meant we had to change our travel itinerary as I no longer have a drivers licence to rent a car.
Luckily, 1Cover reimbursed a lot of our losses and changes to our itinerary. They even covered for the damage to the camera that was dropped during the travel. The claim process was quite straight forward and they were very helpful in guiding us on what is claimable.
It was unfortunate that we had to make a claim (two in fact) but it's great to know that 1Cover was there for us when we are in need. We'll definitely use them again in future.

Claim MadeYes
Type of ClaimLost/Stolen Property
1 comment
Hi Paul, I'm sorry to hear about the reason that led to your claim and for it to be so early on in your trip as well, I'm pleased that we were able to assist you with your claim and that you were happy with the outcome. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it. Sophie@1Cover

Fantastic cover and easy to claim!

No issues at all with this provider, I would highly recommend them to anyone needed travel insurance.

I did a lot of comparisons and found 1cover were not the cheapest but they where the best!

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult, Child and Teenager
DestinationSouth America
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim DateAugust 2019
Claim ApprovedYes
1 comment
Hi Shaunms, I'm glad that you found our policies competitive and our service easy to use. Travel insurance is certainly the safety net every traveller needs. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

Nice for security

The policy was good value for the time we were away. Have never lodged a claim so don't know it's real benefits. Nice to know you have backup all the same even when we were away for a short period.
We like your value compared to travel agencies.

Value for Money
Customer Service
Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi Maree, It's great to hear our policies helped provide you with peace of mind while on your trip. It's fantastic to know our customers can relax because of their cover. We hope you had a great time on your trip and we hope to have the pleasure of serving you again in the future. Sophie@1Cover

Great value

Very easy to deal with, great value for money and piece of mind. I was kept up to date with any changes and extra cover offers which was great as you don't always think of everything.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationAustralia
Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi Scott, I'm glad that you found our policies competitive and our service easy to use. Travel insurance is certainly the safety net every traveller needs. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

Good claims service... when you find it

A genuine claim for emergency accommodation while in the UK was declined recently because the claims centre believed our situation didn't fit the tight parameters of the policy's PDS.
One call to the Australian Financial Complaints Authority put me in touch with 1Cover's decision makers, who overturned the original decision and refunded our $5k.
While the service from the top was excellent -- empathetic, consultative, collaborative -- I have nothing good to say about the claims system itself. It is antiquated, overly laborious in the amount of documentation required, and takes too long. The claims centre doesn't think outside the square of the PDS and if, like us, your claim falls outside of that square, you will almost always be declined.
Not sure if we would insure again with 1Cover... like most travel insurers, the proof of their service is when you need to claim and the process for us was simply too distressing.
If I could be assured that any future claims would be handled by the top level staff, I would insure again in a heartbeat. But that's not the reality so our jury is out for now.

Customer Service
Insurance Cover For:Adult, Child and Teenager
DestinationEurope
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimOther
Claim Resolution Time2-4 weeks
Claim DateJuly 2019
Claim ApprovedYes
1 comment
Hi Mel, I'm sorry to hear that you were unhappy with the initial claims process, all claims are assessed on a case-by-case basis, and our aim is to work towards a solution. I'm pleased that your claim was resolved and we appreciate you taking the time to leave us a review, keeping an open dialogue with our customers is how we improve our service. Thank you, Sophie@1Cover

Excellent Service and Easy Claim Process

We give 1Cover a 5 star rating for brilliant service and an easy claim process for a dog bite in Bali. We received great medical advice from 1Cover while away and genuine care and follow up after the event and when we arrived home.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult, Child and Teenager
DestinationSouth-East Asia (e.g. Bali, Vietnam, Thailand)
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time1-2 weeks
1 comment
Hi Christopher, I'm sorry to hear about the dog bite incident whilst on your Bali holiday. It's always encouraging to hear our customers talk so positively about their claims experience with us. Providing legendary customer service is always our goal! I hope your next trip is full of adventure (and fewer doctor's visits) and we have the pleasure of serving you again in the future. Sophie@1Cover

Excess Insurance & Peace of mind.

Policy suited my needs, easy to set up.

Fortunately I've never had to make a claim, But good to have peace of mind knowing I had cover.

Have used your service a number of times now, much cheaper than other Insurance company's.

Claim MadeNo
1 comment
Hi TJK, Thank you for your continued support and for the confidence that you have placed in us, we appreciate your trust and loyalty. It's great to know that our policies helped provide you peace of mind while on your trip. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

Excellent Service!

This is the first time we have used TINZ and found the policy straight forward, easy to set up and very good value. We had a claim on our rental car in France and were impressed with the easy to access telephone advise and promptness of our return. We were kept updated on our claims progress and received our claim payment within a week of lodging it. Will definitely use again and highly recommend!

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult and Senior
DestinationEurope
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimCar/Rental Hire Excess
Claim Resolution Time<1 week
Claim DateJuly 2019
Claim ApprovedYes

Good value.

My family felt the Policy was good value and have used 1Cover many times over the last 10 years of travelling. Will use again for our next holidays. Thumbs Up

Insurance Cover For:Adult
DestinationSouth-East Asia (e.g. Bali, Vietnam, Thailand)
Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi Nicole, Thank you for the kind words. It's always encouraging to hear that we are continuing to provide a reliable and affordable product. It's fantastic to hear from a satisfied and loyal customer. We are looking forward to providing you with legendary service for your next trip. Sophie@1Cover

Seam free

I have booked at least 5 trips with 1 Cover, and would recommend the company to everyone.
I have pre existing medical conditions and have informed 1 Cover in detail of my issues (I'm over 65)
My last policy was for a month long holiday to Canada and Hawaii, which had been planned for 12 months Unfortunately, I was unable to travel due to sudden attack of sciatica which left me unable to stand or walk, hence cancellation of trip
1Cover were extremely professional, helpful and understanding. Once all my documents and medical information was completed and sent to 1Cover, i was issued a full refund with out question
It gave me, and gives me a total confidence for all future travel insurance
Well done 1 Cover
Christine Williams

Value for Money
Transparency
Customer Service
Insurance Cover For:Senior
Claim MadeYes
Type of ClaimOther
Claim Resolution Time2-4 weeks
Claim DateMay 2019
Claim ApprovedYes
1 comment
Hi Christine, I'm sorry to hear about your sudden onset of sciatica, I'm sure you would have much preferred to have gone on your trip, but I'm pleased that we were able to help you out and promptly process your claim. Fingers crossed you get to go away on another trip soon. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

Helped us get back home with very short notice

We lodged a claim because my girlfriend had an accident where she broke her leg. She ended up going to hospital and needing surgery. We rang and spoke to Toka. He was able to organise a flight change and upgrade for us since my girlfriend needed to go business class because she needed more room for her broken leg. He managed to organise this within a matter of a few hours and had us fly out that same day. He even organised a taxi for us from the hospital to the airport. We couldn't be happier with how Toka and 1cover looked after us. It made being in a really difficult and stressful situation so much easier for us. In the future when we travel we'll definitely be using this company again.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationAustralia
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time<1 week
Claim DateJuly 2019
Claim ApprovedYes
1 comment
Hi Matthew, I am so pleased that our emergency assistance and claims teams, were able to help out and make such a stressful event that bit better for you. I hope your girlfriend is feeling better after the accident. Thank you for taking the time to provide feedback, it's heart-warming to hear such kind words about our customer service. We look forward to providing you cover on your next trip! Sophie@1Cover

Full refund of premium during cooling off period

I recently booked and paid for 1Cover travel insurance. Upon researching insurance later on, I found that a recent earthquake off Bali meant we were not covered for earthquake or ash cloud. I read there was a cooling off period for insurance so I cancelled the insurance after 5 days. The following day the full costs were credited into my account. I was very impressed with their honesty and prompt refund.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationSouth-East Asia (e.g. Bali, Vietnam, Thailand)
Claim MadeNo
1 comment
Hi Davosnr, I'm glad to hear that you were happy with the efficiency of our refund processing time within your cooling of period. I'm sorry to hear that our policy was not right for you on this occasion but I do hope that we can cover you again for a future trip. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

This IS THE POLICY TO GET!!!!

1 Cover Travel Insurance IS SO simple & easy to set up!!!! STOP LOOKING AT THE OTHERS!!!! I wouldnt leave home without it!!!! Was so easy to pay them too!!! Cheers Steve......

Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi, I’m glad you found our policies competitive and our service easy to use. It's always encouraging to hear such nice words from a satisfied and loyal customer. We hope you had a great time on your trip and we look forward to serving you again in the future. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it. Sophie@1Cover

Such a good company to deal with

We always have used this insurance company when travelling but never needed to have a claim . This time though we did and we’re so relieved to get fast and thorough service and a good result . Happy to continue to use this company for all our travel

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationEurope
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimPersonal Liability
Claim Resolution Time<1 week
1 comment
Hi Fiona, We like to think we're different from other insurance companies, so thank you for such kind words. I’m glad you found the policy to be good value and that you are happy with the service we provide. It's always encouraging to hear positive feedback. Thanks for choosing 1Cover and for taking the time to leave us a review, we really appreciate it. Sophie@1Cover

Efficient and quick claim

The claim process was quick and easy, although to be fair we did have a relatively simple claim to process for health and a suitcase damage. We had all receipts . I do not know what a more difficult claim would be like.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationEurope and South-East Asia (e.g. Bali, Vietnam, Thailand)
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimLost/Stolen Property and Medical
Claim Resolution Time<1 week
Claim ApprovedYes
1 comment
Hi Johnny, I am so pleased that we could assist with your claim and that you found the process easy and straightforward with no complications. Happy customers are our number one goal! We're looking forward to providing you with legendary customer service again in the future. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it. Sophie@1Cover

Responsive and fair service in relation to my claim.

My claim associated with damage to my rental vehicle was dealt with efficiently and effectively with payment made very quickly. I was happy to return part of that payment when the rental car company refunded some of my damages bill.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult and Senior
Insurance TypeSingle Trip
Claim MadeYes
Claim DateJune 2019
Claim ApprovedYes
1 comment
Hi Frank, Another positive review regarding our car rental excess cover! It's certainly a popular part of our policies. I’m glad you were pleased with your coverage and 1Cover's additional extras. Thank you for choosing 1Cover and for taking the time to leave us a review, we really appreciate it! Sophie@1Cover

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Questions & Answers

If I had to go to hospital overseas and it cost $5,000 ( Australian). Do I have to pay the bill first before I claim? I am going to Europe.
1 answer
Not sure, fortunately for me I have never had to use the insurance. Better to have it than not Cheers Mick

If cash is stolen from a hotel safe, is this covered under a premium policy and to what value?
No answers

Planing South Africa tour, 2 day cruise to Namibia back to Cape Town, fly Victlria Falls, Hwange National Park. Would your comprehensive cover this or would cruise need to be added. 2 x 72 yr healthy females.
2 answers
Hi Switts, you would need to add on our cruise pack in order to have that portion of your trip covered, it includes more than just cover for medical and luggage expenses, check out our cruise page on our website for further details or call out friendly contact centre team on 1300 854 819, https://www.1cover.com.au/cruise-travel-insurance. Thank you, Sophie@1CoverThank you for your reply. Will speak with my travelling companion but sounds good value.

Details

1Cover Medical Only Travel Insurance1Cover Comprehensive Travel Insurance1Cover Essentials Travel Insurance1Cover Already Overseas Insurance1Cover Domestic Travel Insurance
CategoryTravel InsuranceTravel InsuranceTravel InsuranceTravel InsuranceTravel Insurance
Contact Number 1300 192 0211300 192 0211300 192 0211300 192 0211300 192 021
Email Address info@1cover.com.auinfo@1cover.com.auinfo@1cover.com.auinfo@1cover.com.auinfo@1cover.com.au
24-Hour Phone Contact NoNoNoNoNo
Online Live Chat YesYesYesYesYes
UnderwriterLloyd'sLloyd'sLloyd'sLloyd'sLloyd's
Maximum Age Covered 74 years old101 years old74 years old74 years old101 years old
Medical Coverage
Overseas Emergency Assistance UnlimitedUnlimitedUnlimitedUnlimitedNot Covered
Accidental DeathNot Included$25,000Not Included$25,000$25,000
Emergency Dental$500$1,000$500$500Not Included
Pregnancy (max weeks) 24 weeks24 weeks24 weeks24 weeks24 weeks
Resumption of Journey Not Included$3,000Not Included$3,000Not Included
Hospital Cash AllowanceNot Included$5,000Not Included$5,000Not Included
Overseas Emergency Medical & Hospital ExpensesUnlimitedUnlimitedUnlimitedUnlimitedNot Covered
Loss of IncomeNot Included$10,400Not Included$10,400Not Included
Permanent DisabilityNot Included$25,000Not Included$25,000Not Included
Luggage & Personal Effects
Theft of Cash Not Included$250Not Included$250Not Included
Delayed Luggage Not Included$250Not Included$250Not Included
Credit Card FraudNot Included$5,000$1,000$5,000Not Included
Travel Documents / Passport Not IncludedIncluded as part of Credit Card Fraud Cover ($5,000)Included as part of Credit Card Fraud Cover ($1,000)Included as part of Credit Card Fraud Cover ($5,000)Not Included
Maximum Single Item Limit Not Applicable$3,000 (Computer or camera)$3,000 (Computer or camera)$3,000 (Computer or camera)$3,000 (computer, video recorder or camera), $1,000 (mobile phones, tablets)
Luggage & Personal Effects Not Included$15,000$5,000$15,000$15,000
Ancillary
Personal Liability $5,000,000.00$5,000,000.00$5,000,000.00$5,000,000.00$5,000,000.00
Rental Vehicle Excess Not Included$5,000 plus optional additional cover up to $8,000Not Included$5,000$5,000 plus optional additional cover up to $8,000
Motorbike / Moped Coverage Included for bikes up to 50ccIncluded for bikes up to 50ccIncluded for bikes up to 50ccIncluded for bikes up to 50ccNot Included
Domestic Pet Care Not Included$500Not Included$500Not Included
Special Activities Packages
GolfNot IncludedNot IncludedNot IncludedNot Included
CruiseNot IncludedOptional ExtraNot IncludedOptional ExtraOptional Extra
Adventure Not IncludedNot IncludedNot IncludedNot Included
Snow / SkiNot IncludedOptional ExtraNot IncludedOptional ExtraOptional Extra

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