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For 42% of Australians, the cost of the flights will determine their holiday destinations.⁸ To stay within the budget, it’s important to plan for any unexpected financial costs, such as medical emergencies and loss of luggage.
Travel insurance helps with unexpected expenses when travelling. 1Cover is a travel insurance provider that can help with cover for both international and domestic travel. This article will guide you through 1Cover’s insurance packages, the benefits, and the process of purchasing a policy and making a claim with 1Cover.
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1Cover offers travel insurance packages that cover a variety of unexpected or emergency expenses while travelling internationally or domestically. Travel insurance with 1Cover covers overseas medical assistance, lost or damaged luggage, car rental excess fees, credit card fraud, flight delays and cancellations, and other additional expenses in some circumstances.
1Cover offers a range of travel insurance packages based on the needs and the types of travel, for both domestic and international destinations. 1Cover’s packages and add-ons include¹:
1Cover’s travel insurance policy is underwritten by HDI Global Specialty SE – Australia and Coffre-Fort acts as the underwriting agent.²
1Cover offers a variety of benefits and, depending on the type of insurance, you can get additional cover for more specific needs. The benefits include³:
1Cover has a variety of coverage available catering to specific needs and types of travel. The following table provides a breakdown of the major benefits and covers offered. 1Cover’s Product Disclosure Statement gives a more comprehensive look into all the benefits available, the excesses applied, and the add-on insurance packages.²
Benefits | Comprehensive/Overseas Frequent Traveller | Essentials | Medical | Domestic/Domestic Frequent Traveller | Already Overseas |
---|---|---|---|---|---|
Overseas emergency medical assistance | Unlimited | Unlimited | Unlimited | NA | Unlimited |
Overseas emergency medical & hospital expenses | Unlimited | Unlimited | Unlimited | NA | Unlimited |
Credit card fraud & replacement | AUD$5,000 | AUD$1,000 | NA | NA | AUD$5,000 |
Theft of cash | AUD$250 | NA | NA | NA | AUD$250 |
Luggage & personal effects | AUD$15,000 | AUD$5,000 | NA | AUD$15,000 | AUD$15,000 |
Additional accommodation & travel expenses | AUD$50,000 | NA | NA | AUD$2,000 | AUD$50,000 |
Cancellation fees & lost deposits | Unlimited | AUD$2,500 | NA | Unlimited | NA |
Alternative transport expenses | AUD$5,000 | NA | NA | NA | AUD$5,000 |
Personal liability | AUD$5 million | AUD$5 million | AUD$5 million | AUD$5 million | AUD$5 million |
Rental vehicle insurance excess add-on | Up to AUD$8,000 | NA | NA | Up to AUD$8,000 | Up to AUD$8,000 |
As seen on 1 November 2023
1Cover’s travel insurance fees differ based on the specifics and requirements of the travellers such as age, duration of travel, pre-existing medical conditions, and destination and whether you wish to purchase additional covers.¹
1Cover, like most travel insurance policies, has some scenarios that aren’t covered. A detailed guide to all the limits and exclusions can be found in 1Cover’s Product Disclosure Statement.
Following are some of the main exclusions⁴:
1Cover travel insurance is available if you fulfil the following criteria²:
Plans | Age Limits |
---|---|
Comprehensive | All ages |
Essentials | 74 and under |
Medical only | 74 and under |
Domestic | All ages |
Already overseas | 64 and under |
Frequent traveller | 64 and under |
As seen on 1 November 2023
You can get travel insurance with 1Cover online by going through the following process:
There are three ways to make a claim with 1Cover travel insurance.⁵
You can make a claim online by visiting 1Cover’s website.
You can also make a claim via 1Cover’s contact page on the website.⁶
You can make a claim by post by downloading the claims form, completing it, and posting it to PO Box 6798, Baulkham Hills, NSW 2153.
1Cover provides unlimited overseas medical claims related to COVID-19 if you test positive and require emergency medical attention. The policy will cover costs incurred from any overseas medical treatment, use of an ambulance or repatriation to Australia.
Your certificate of insurance will have an additional page detailing the COVID-19 cover which can be used as evidence whenever required.
However, 1Cover doesn’t cover instances where you catch COVID-19 before you depart, changes or cancellations of travel plans, government quarantine requirements or restrictions to travel due to COVID-19. Additional expenses related to COVID-19 are also not covered.⁷
A travel insurance policy has many details to be considered before purchase. 1Cover has a Product Disclosure Statement providing a comprehensive guide to all the inclusions, exclusions, limits and eligibility criteria for the different policies on offer. Ideally, you should go through it before making a decision.
You can contact the 1Cover team in a few different ways.¹⁰
With a Wise Account you can hold money in over 40 currencies and spend it in over 150 countries. Whenever you exchange currencies it’s done using the mid-market rate with a transparent conversion fee shown upfront.
To make everyday spending easier you can order a Wise Debit card for your Wise Account and generate virtual cards as needed. If you have the local currency in your Wise Account the Wise card will use it for local payments. If you don’t, it uses smart technology to auto-convert your money at the mid-market rate, for a conversion fee.
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Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information. |
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Sources:
Sources checked on 1 November 2023
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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