??!
1 photo
1Cover Travel Insurance

1Cover Travel Insurance Questions & Answers (page 2 of 17)

Comprehensive, Domestic, Already Overseas, etc...
4.3 from 4,511 reviews

332 questions from our users

Michael Simic

Michael Simicasked

Travel Insurance

Hi I have a holiday planned and paid for leaving on 25th May 2020 to Los Angeles, Croatia and Singapore. I purchased my insurance with you on25th October 2019. Will I be covered if I am delayed in any of these countries because of the coronaviris?

4 answers
Scott
Scott

"Lisa Kable, communications manager for the Insurance Council of Australia, told Guardian Australia in February that after Dfat made its announcement on 23 January about the risk of travel in relation to coronavirus it became a “known event” for insurers.

“If people are travelling and bought their travel insurance before it became a known event the majority of travel insurance policies should cover people if they contract coronavirus overseas, or if their trips have to be moved around countries or places.”
https://www.theguardian.com/world/2020/mar/10/how-will-the-coronavirus-affect-my-travel-plans-advice-for-australians

Jay
Jay

1Cover specifically excludes it, regardless of when you bought your insurance. We found this out after we were already overseas and the outbreak started. Disappointing considering most companies cover it and so much for "comprehensive"

1Cover
Customer Service R.1Cover

Hello Michael,
We do not cover any epidemics, pandemics or outbreaks regardless of when you purchased your policy. This is a general exclusion on our policies. I suggest that you contact the support centre via info@1cover.com.au for other options regarding your policy. Regards, Sophie.

Angela Bleasdale

Angela Bleasdaleasked

Travel Insurance

Even if you do not cover for Coronavirus events, do you still cover for other events as per the PDS?

2 answers
1Cover
Customer Service R.1Cover

Hi Angela,
Yes we cover medical costs and assistance for conditions unrelated to the virus. Cancellation benefit covers claimable events such as medically unfit to travel, strike, riot, natural disaster or a relative under the age of 85 years has been hospitalised. Regards, Sophie

Angela Bleasdale
Angela Bleasdale

Thanks

Johanna hardes

Johanna hardesasked

Travel Insurance

What about corona virus
If u have travel and medical can i u cancel your fligjt and get a refund?

4 answers
Peter
Peter

From what I’ve been informed and as per their pds anything associated with illness or cancellation from Coronavirus is not covered

1Cover
Customer Service R.1Cover

Hi Johanna,
We have a general exclusion on all sections of our policy in relation to epidemics and pandemics. This is listed in our PDS (which can be located on our website) on page 66 for your reference. Regards, Sophie

Kez
Kez

Hi 1Cover, Can you please direct me to the source where the Coronavirus is deemed a pandemic? The companies that 1Cover refers their customers too (who and smart traveller) Have not yet classifed the Coronavirus as a pandemic... How can claims not be eligible when the criteria is not met?

JRD

JRDasked

Travel Insurance

Hi I am travelling to cambodia and Vietnam in may. I purchased my policy on 13th January b4 all this hysteria happened. Will I be covered whilst overseas if need be for medical related issues to this virus? Or if we became in a lock down situation? I have no intentions to cancell trip on a just in case theory yet I will be taking extra precautions. This was not a foreseeable situation when I had taken out my policy. Thanks JD

3 answers
RogetDodger
RogetDodger

You are not covered by 1Cover for any Coronavirus related event. This includes cancellation and medical. Or any lockdown costs. They have exclusions for it in their policy. Their insurance is fairly worthless.

JRD
JRD

Thanks RogetDodger.. yep pretty useless and I've been using them for years... Will go back to TID in future they are moving this virus if policy taken out b4 30th January. .. Happy healthy travels

Ihave l.
Ihave l.

Australian Seniors gave full refunds for my father in law. I should have gone with them too.

Anthony L.

Anthony L.asked

Travel Insurance

Hi I would like to know what the winter sports pack cover is for, specifically for the equipment hire? Loss or damage of ski equipment for example?

1 answer
1Cover
Customer Service R.1Cover

Hi Anthony,
Thank you for your query. In relation to Winter Sports Equipment Hire, this section covers the hire amount if your own winter sports equipment has been damaged or stolen. In regards to Winter Sports Equipment Excess, this refers to damage or if your hire equipment has been stolen and you are charged the excess, we will cover this cost. Hope this helps. If you have any further queries, please email info@1cover.com.au Regards, Helen

Maria T

Maria Tasked

Travel Insurance

does 1 cover ,cover coronvirus

6 answers
paulh3
paulh3

1cover DOES NOT cover epidemics or pandemics, so no they don't cover coronavirus even if you caught it outside China, or got blocked from a flight due to a temperature.

1Cover
Customer Service R.1Cover

Hi Maria,
Yes, Paulh3 is correct, there is a general exclusion on Pandemics and Epidemics, therefore no cover for the Coronavirus, however this is not unique to 1Cover and you will find that most travel insurers have the same exclusion. Regards, Helen

Jay
Jay

Despite what they might say, most insurers cover coronavirus if you bought in time. 1Cover do not regardless of how early you bought it, rip off!

Daniel G.

Daniel G.asked

Travel Insurance

Hi, I'm planning to travel to France in 2 months time. However I'm not an Aus citizen, hence needing Schengen tourist visa which requires travel health insurance. Is your travel health insurance accepted for the Schengen tourist visa?

1 answer
1Cover
Customer Service R.1Cover

Hi Daniel,
Yes our policies qualify travellers with a Schengen Visa however you must be an Australian Resident to purchase our policy. Further information regarding this can be located via this link: https://www.1cover.com.au/faqs/general/who-can-buy-policy/
Regards, Helen

Caro

Caroasked

Travel Insurance

We are due to fly to America on the 28th April 2020 to drive Route 66, cruse Alaska for 7 days and visit Hawaii for 3 days, due back in Australia 4th June 2020. We have purchased Multi Trip Insurance valid to Oct 2020 for a previous trip, this trip and another trip . Will our Policy still be valid to cover us for the Coronavirus throughout a trip. Obviously we will take as many precautions as possible, but one never knows. Any information would be greatly appreciated. thanks

5 answers
1Cover
Customer Service R.1Cover

Hello Caro,
Thank you for your query. Unfortunately epidemics and pandemics are a general exclusion on our policies, therefore no cover for the coronavirus, however we strongly recommend that should you become ill whilst overseas, please contact our Emergency Team that can assist you and guide you for your best options. If you have any further queries, please contact our customer service centre on 1300 192 021 or you can email the team on info@1cover.com.au
Regards, Helen

Caro
Caro

Thank you for your prompt response. Have now found the information on page 66, sad when we purchased to Policy last year in good faith, not knowing what was going to happen this year.

1Cover
Customer Service R.1Cover

I understand, this is an unfortunate event that is certainly affecting everyone in the world.

Mick

Mickasked

Comprehensive Travel Insurance

Do you offer excess insurance for motor home hire?

1 answer
1Cover
Customer Service R.1Cover

Hello Mick,
We provide rental vehicle excess up to $5000 for motorhomes that are less than 4.5 tonnes. If you have any further queries, or require assistance, please forward an email to info@1cover.com.au
Regards, Helen

Monica

Monicaasked

Travel Insurance

Will you deal with a medical emergency & pay medical costs upfront

2 answers
valerie
valerie

Monica
You need to ask this question to 1Cover!!
I posted a review because I am unhappy with them!

1Cover
Customer Service R.1Cover

Hello Monica,
If your medical expenses are more than $1000, then we liaise with the medical team and take care of the costs for you. Under $1000, you need to pay upfront and lodge a claim once you return. If you have any other queries, please email your queries to info@1cover.com.au Regards, Helen

Jacquie

Jacquieasked

Travel Insurance

I will personally be putting my daughter into a public school overseas for a few months. Would she be covered for all medical medical expenses eg breaking arm at school, need to visit doctor ?

3 answers
Steve G
Steve G

Im not too sure... you are best to email them and confirm it your coverage. Ive done this in the past and they have replied in reasonable time.

Jacquie
Jacquie

thanks will do

1Cover
Customer Service R.1Cover

Hi Jacqui, thanks for getting in contact! We don't have any specific general exclusions for going to school overseas. Provided your daughter isn't engaging in any sort of manual work she may still have provisions to claim if she became sick or injured herself. Please refer to our PDS for our full terms and conditions:https://www.1cover.com.au/assets/1Cover-AU-Standard-PDS_20190710.pdf/ and please do not hesitate to get in contact if you need any further assistance. Kind Regards, Sophie, Customer Service.

Barry

Barryasked

Travel Insurance

Hi I bought the Already Overseas policy travelling to Hong Kong. Does it cover me if I join a tour to other countries? Thanks

2 answers
Peter Chigwidden
Peter Chigwidden

I think that you are covered for the allotted number of days that you insured yourself for. But you may need to check

1Cover
Customer Service R.1Cover

Hi Barry, if Hong Kong is the only country listed in your policy then that's the only country we can cover. Please send us an email or give us a call if you'd like to add any additional countries to your policy. You can email us on info@1cover.com.au and call us on 1300 192 021.

Georgi

Georgiasked

Travel Insurance

Will you cover;
1. travel delay costs and to what $ limit, for rebooking of my return flights home to Australia? if my Antarctica cruise flight transport from King George Island Antarctica back to the departure point Punta Arenas in Chile is delayed due weather? This transport to/from King George Island are part of the cruise Companys itinerary and fully under the Cruise company control. The flights Ive booked and paid myself are Punta Arenas Chile, to Santiago to Australia.

2. Will you cover sea kayaking In Antarctica within 3 nautical miles with a guide? Thanks

1 answer
1Cover
Customer Service R.1Cover

Hi Georgi,

1) If your flight was cancelled due to weather, which is a claimable event with us, you may have provisions to claim under Cancellation Fees and Lost Deposits. However if your flight was delayed for over 6 hours, you may have provisions to claim under Disruption of Journey for the additional accommodation and travel expenses occurred due to that delay.

2) Sea Kayaking is included in our list of Automatically covered activities. Please see that list here: https://www.1cover.com.au/adventure-travel-insurance/

Please do not hesitate to get in contact with us if you require any further clarification.

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

1 answer
1Cover
Customer Service R.1Cover

Hi David! Our Medical Only policy covers unlimited medical and that includes medical evacuation to the nearest hospital or back to Australia if necessary. Please refer to our PDS for our full terms and conditions:https://www.1cover.com.au/assets/1Cover-AU-Standard-PDS_20190710.pdf/

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.

Page 2 of 17

Get an answer from our members and 1Cover representatives

ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.