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1Cover Travel Insurance

299 questions from our users

David

Davidasked

Travel Insurance

does the medical only insurance includes medical evacuation ( flight) from another country back to Australia if needed for medical treatment eg from Vietnam

No answers

Michelle

Michelleasked

Already Overseas Travel Insurance

Already over seas can i get insurance now?

1 answer
1Cover
Customer Service R.1Cover

Hi Michelle! If you are currently overseas, the only policy we can offer is the Already Overseas policy. The Already Overseas cover is appropriate for Australia residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left Australia or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

- You are aged 64 or under; and
- You have a permanent residential address in Australia and will be returning to resume residence in Australia at the end of your journey; and
- You intend to return to Australia on the date your policy ends; and
- You purchase your policy within 30 days from either the date you departed Australia; or the expiry of any other travel insurance policy; and
- Your period of overseas travel does not exceed 15 consecutive months in total from the date you originally departed Australia;
- Please note there is a 72 hour waiting period from the start date of the policy for any benefit to be valid

Please note:

For this cover "journey" means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in Australia.
- Journeys can be up to a maximum of 90 days.
- Purchasing an Already Overseas policy is limited to one journey every 12 months.
- No pre-existing conditions will be covered under this policy unless it's an automatically covered condition with 1Cover and you meet the criteria on page 61 of our PDS

Please contact our Call Centre on 1300 192 021 if you have any further questions or would like a quote.

Let me know if I can assist you any further.


Michelle

Michelleasked

Already Overseas Travel Insurance

I forgot to get travel insurance and am already away can i get now?

1 answer
1Cover
Customer Service R.1Cover

Hi there! If you are currently overseas, the only policy we can offer is the Already Overseas policy. The Already Overseas cover is appropriate for Australia residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left Australia or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

- You are aged 64 or under; and
- You have a permanent residential address in Australia and will be returning to resume residence in Australia at the end of your journey; and
- You intend to return to Australia on the date your policy ends; and
- You purchase your policy within 30 days from either the date you departed Australia; or the expiry of any other travel insurance policy; and
- Your period of overseas travel does not exceed 15 consecutive months in total from the date you originally departed Australia;
- Please note there is a 72 hour waiting period from the start date of the policy for any benefit to be valid

Please note:

For this cover "journey" means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in Australia.
- Journeys can be up to a maximum of 90 days.
- Purchasing an Already Overseas policy is limited to one journey every 12 months.
- No pre-existing conditions will be covered under this policy unless it's an automatically covered condition with 1Cover and you meet the criteria on page 61 of our PDS

Please contact our Call Centre on 1300 192 021 if you have any further questions or would like a quote.

Let me know if I can assist you any further.


Ann G

Ann Gasked

Comprehensive Travel Insurance

I am going on a cruise from March 23 through April 6. and will visit several countries. How do I start this to get a quote?

1 answer
1Cover
Customer Service R.1Cover

Hello Ann,
Firstly go to our quote page www.1cover.com.au. Enter all the countries you intend on visiting, including where the cruise will stop at. Enter your travel dates and ages and click Next Step. At this point, if you scroll down the page, you are then able to add the Cruise Cover option which will cover you whilst onboard the ship. If you need assistance with this quote, a friendly consultant can assist if you call the centre on 1300 192 021. Regards, Sophie.


Prabesh T.

Prabesh T.asked

Domestic Travel Insurance

Can i just get a rental car insurance that i am driving to sydney from Melbourne and back?

1 answer
1Cover
Customer Service R.1Cover

Hi Prabesh, You can still purchase a Domestic policy which includes Car Rental Vehicle excess, however it does come with the benefit of cancellation and luggage cover. Let me know if you require further assistance. Regards, Sophie


chook

chookasked

Travel Insurance

We are off to Bali in October. We have no pre-existing complaints. If something happens to my husband 65, or I, and we need to be flown home for medical attention, are we covered for this with the comprehensive cover???

2 answers
1Cover
Customer Service R.1Cover

Yes, you are covered for unlimited costs for medical expenses and assistance including medical evacuation to Australia if required. Regards, Sophie.

chook
chook

Thank you Sophie, I have just purchased the comprehensive cover.


Tom

Tomasked

Comprehensive Travel Insurance

Hi, I have you 1Cover before but I just want to be clear about medical expenses cover because so many people misunderstand the term and the condition like me. If you're in a country where local hospital or ambulance or doctors provide receipt in their language, do I need to translate the receipt to English before I lodge a claim to 1cover?In an emergency of injury or health problem and I have to go to the closest hospital. After that they have to transfer to specialist hospital or doctors, do I have to ring 1Cover first or do you organise everything at the start? thank you, Tom

1 answer
1Cover
Customer Service R.1Cover

Hi Tom, Ideally to process the claim as quickly as possible, we recommend that the documents are already translated by a registered translator, however if you are unable to do this, we have facilities available that can action this process for us. We recommend that for any medical emergencies that you always contact our Medical Team to assess your condition and make the necessary arrangements that you require. Hope this answers your query. Regards, Sophie.


sheryl s

sheryl sasked

Travel Insurance

Conditions under which you agree to reimburse if one has to cancel. List the exclusions please

1 answer
1Cover
Customer Service R.1Cover

Hi Sheryl, All exclusions can be located within our PDS via this url: https://www.1cover.com.au/policydetails/
This provides all the information on when you can and cannot claim with cancellations. Regards, Sophie


paul

paulasked

Travel Insurance

hi iam spending 15 days in europe then 5 days in india do i need a different policy for india

2 answers
1Cover
Customer Service R.1Cover

Hello Paul,
You need 2 policies if you are returning home between each trip. If you are visiting Europe and India in the one journey, then you only need the 1 policy. Ensure that you enter all countries that you intend on visiting when creating your quote online. Hope this helps. Regards, Sophie

paul
paul

thanks


marie f.

marie f.asked

Travel Insurance

If I was holidaying in Norway and on a walk slipped and broke my ankle, then after medical examination needed to be flown to a hospital and operated on and also had to be given a business class seat to fly home to Australia ( a fit 68 yr old is asking this question as it is not til these things happen do we find out how well we are covered F Flanagan

2 answers
1Cover
Customer Service R.1Cover

Hello Marie,
Yes you would have provisions to claim for medical expenses and assistance (including evacuation) back to Australia if the need arises. You just need to contact our Emergency Team and they will liaise with the medical team, assess your situation and make arrangements for you to come home. Hope this gives you peace of mind. Regards, Sophie

marie f.
marie f.

Thanks for that, it recently happened to my sister and was very impressed with their insurer ( Chubb) who organised everything. We insured with you when we went to Norway this year but didn’t need to use it thanks Marie


LynnyC

LynnyCasked

Travel Insurance

Hi There,
We are travelling to the US in a few months and looking at travel insurance. We are mainly concerned about illness/sickness and the ridiculous cost of medical treatment over there should we get sick. Can you please explain what happens in the case of illness- fortunately we have never had to seek medical advice on previous trips. Do we pay up front and then reimbursed, or is it covered immediately by 1 cover?
Thank you for your help.
Lynny

1 answer
1Cover
Customer Service R.1Cover

Hi Lynny,
We will cover the costs for any medical expenses that you incur over $1000. Anything less than this, you pay upfront and claim the amount once you return. Hope this assists. Regards, Sophie


Jerry N Pauline H.

Jerry N Pauline H.asked

Travel Insurance

I bought tickets to Hong Kong before the trouble started but forgot to purchase travel insurance straight away. So my question is that what type of travel insurance should I get that would cover me if the flights were cancelled into Hong Kong

1 answer
1Cover
Customer Service R.1Cover

Hi Jerry, Unfortunately you have left it a little late. The demonstrations have been reported in the media for quite awhile now. Any new policies that have been purchased after 06 August do not cover any incidents related to the HKG demonstrations. Any policies that were purchased prior to 06 August, may have provisions to claim if they are impacted by the demonstrations. If you require further assistance, please contact call the centre or through our Chat system, Regards, Sophie


Nancy

Nancyasked

Travel Insurance

if my mobile phone is stolen will i get reimbursed what i paid for it?

1 answer
1Cover
Customer Service R.1Cover

Hi Nancy, your mobile phone will be calculated based on any depreciated value. You will also need to provide a police report to verify your claim. If you have any further queries you can contact our centre either by phone or via Chat. Regards, Sophie


Gayle D

Gayle Dasked

Comprehensive Travel Insurance

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.

2 answers
mickee p
mickee p

Not sure, fortunately for me I have never had to use the insurance.
Better to have it than not
Cheers
Mick

1Cover
Customer Service R.1Cover

Hi Gayle, Sorry for the late response. Anything under $1000AUD, you need to pay and lodge a claim. Anything over this amount, then we take care of the costs, you just need to contact our Emergency team so that they can liaise with the medical team. Regards, Sophie


Nic D

Nic Dasked

Travel Insurance

If cash is stolen from a hotel safe, is this covered under a premium policy and to what value?

1 answer
1Cover
Customer Service R.1Cover

Hi Nic, Sorry for the late reply. We only cover cash up to $250 if it is stolen from you while you are in possession of the money. Regards, Sophie


Switts

Swittsasked

Travel Insurance

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
1Cover
Customer Service R.1Cover

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@1Cover

Switts
Switts

Thank you for your reply. Will speak with my travelling companion but sounds good value.


Janice F.

Janice F.asked

Travel Insurance

We are going on our first family criuse in October. I have two questions:
1.We have to fly to our port. The flights are due 8 hour's before our ship sails. Are we covered if the flights are delayed & we miss the boat?
2. I'm looking forward to enjoying a wine with dinner, if I fell or some unlikely injury happend after said glass of wine am I still covered to see a doctor & if need be make a claim?
Thank you
Janice.

1 answer
1Cover
Customer Service R.1Cover

Hi Janice, If you purchase our cruise pack add-on there is a provision to claim for missed cruise departure. In regards to alcohol, it is a general exclusion under our policy if you are deemed to be intoxicated. There are lots of variables and each case is assessed based on its facts in accordance with the policy terms and conditions. We would apply the exclusion if it’s evident that the cause of the incident is directly attributable to intoxication of a policy holder. I hope this helps, if you have any further queries in regards to the policy you can contact our friendly contact centre team on 1300 854 819. Thank you, Sophie@1Cover


violet

violetasked

Travel Insurance

Do any of your policies cover evacuation and repatriation from a cruise ship?

4 answers
JohnnyDee30
JohnnyDee30

No regret no information on this as we did not take a cruise on this last trip and as far as I know you would need to look at the particular aspects of the 1Cover policy as regards to cruises.

Frank
Frank

I was the insuree, not the insurer. You need to look at their website and put the question to them.

1Cover
Customer Service R.1Cover

Hi Violet, we can provide cover for on board medical expenses and medical evacuation whilst you are travelling on a cruise by purchasing our Cruise Pack add-on, this also includes a number of other cruise specific benefits. Here is a link for further details about our cruise cover, https://www.1cover.com.au/cruise-travel-insurance/.
Thanks, Sophie@1Cover


Kerrie

Kerrieasked

Travel Insurance

Hi, I just saw the great review on here with 1 Cover. I have just put up a terrible review in regards to Allianz who we have used for years with our travel. Basically, I have spoken with Allianz Australia and America over the last 24 hours trying to extend our policy as we are extending in America.. Are you able to help? We are Australian Residents and that seems to be the issue with Allianz and the other company Allianz America recommended Insuremytrip.com won't help because we are Australian Residents.

2 answers
1Cover
Customer Service R.1Cover

Hi Kerrie, if you are Australian residents travelling overseas and plan to return to Australia within the next 12 months you may have the option to take out our Residents Already Overseas policy, https://www.1cover.com.au/already-abroad-travel-insurance/ , if you have any queries in regards to the policy you can email our customer service team directly at info@1cover.com.au. Thanks Sophie@1Cover

Kerrie
Kerrie

Thank you so much, have been on your website and taken out the policy, very grateful. Will be insuring with you for our next trips in November and March..


Anita Hadwin

Anita Hadwinasked

Travel Insurance

Would you please give me a quote to fly from Perth W.A.to Newcastle upon Tyne England.

No answers

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