Travel brings excitement, but it also carries risks. Unexpected injuries, cancelled flights, lost luggage and medical emergencies can turn a dream trip into a stressful situation. That’s where 1Cover Travel Insurance steps in. Known for its strong coverage, competitive pricing and travel-friendly features, 1Cover has become one of the preferred insurers for holidaymakers, backpackers, frequent travellers and families alike.
Whether you’re planning a single overseas holiday, visiting multiple countries, or taking domestic road trips, understanding how 1Cover works is the key to choosing the right level of protection. This guide explains everything you need to know — from features, benefits, coverage and exclusions to policy types, claim process and vital tips for buying smart.
What is 1Cover Travel Insurance
1Cover Travel Insurance is a popular travel protection provider established to help travellers reduce financial loss during unexpected trip events. Its policies are designed to cover medical emergencies, lost belongings, personal liability, cancellations, delays and more. With thousands of Australians and New Zealand travellers relying on the company every year, 1Cover has built a reputation for simplicity, transparency and value-for-money travel insurance.
The brand focuses heavily on accessible cover, offering flexible plans suitable for short-term holidays, long-term backpacking, seniors, couples, students and international travellers.
Why Travellers Choose 1Cover Travel Insurance
Several features make 1Cover stand out from other travel insurance companies:
Wide Medical Emergency Coverage
Medical bills overseas can be extremely expensive. 1Cover offers emergency medical expense cover including hospital treatment, doctor fees, and repatriation if needed.
Unlimited Cancellation Cover Options
Depending on the chosen plan, travellers can receive coverage for pre-paid trip cancellations due to illness, weather disruption or unforeseen circumstances.
Lost & Delayed Luggage Protection
If baggage goes missing or arrives late, 1Cover can provide compensation to replace essential items.
24/7 Global Assistance
Their support lines operate around the clock, giving travellers immediate guidance in emergencies no matter where they are.
Designed for All Traveller Types
Solo travellers, families, seniors over 80, students and frequent flyers all have tailored options.
Types of 1Cover Travel Insurance Policies
Understanding each plan helps you decide which one suits your travel needs.
1. Comprehensive International Cover
The most popular and most complete protection.
Includes:
- Emergency medical expenses
- Hospitalisation
- Cancellation fees
- Lost luggage & belongings
- Personal liability
- Travel delay & interruption
- Family emergency cover
Suitable for: holiday travellers, family trips, business travel, and international tours
2. Domestic Travel Cover
Even within your home country, things can go wrong. Domestic cover includes:
- Trip cancellation coverage
- Lost or stolen luggage
- Rental car excess cover
- Travel interruption due to illness or disasters
Good for road trips, interstate flights, family visits, holiday parks or cruises within Australia/NZ.
3. Frequent Traveller / Annual Multi-Trip Insurance
If you travel multiple times per year, this plan saves time and money.
Includes:
- Unlimited trips within a 12-month period
- Options for trip duration limits (e.g., 30, 45 or 60 days per trip)
- Standard 1Cover benefits like medical + cancellation
Perfect for frequent flyers, business travellers, digital nomads & adventure seekers.
4. Seniors Travel Insurance
Many insurance companies charge more for seniors, but 1Cover supports travellers over 80 with relevant coverage options. Pre-existing medical assessment may be required, but older travellers can still enjoy worldwide trips with financial protection.
5. Medical-Only Insurance
If your main concern is medical emergencies rather than luggage or cancellations, the medical-only policy is affordable and effective.
Provides:
- Overseas medical treatment & hospital cover
- Repatriation to home country
- 24/7 emergency assistance
Budget-friendly but minimal — ideal for backpackers, students & low-risk travellers.
What Does 1Cover Travel Insurance Cover?
Here is a breakdown of the main protections usually included in most plans:
| Coverage Type | Description |
| Emergency Medical Bills | Hospitalisation, surgery, ambulance & doctor visits abroad |
| Trip Cancellation | Compensation for prepaid bookings if trip is cancelled |
| Luggage Loss/Theft | Cover for stolen or missing bags and valuables |
| Travel Delay | Reimbursement for extra accommodation/expenses |
| Personal Liability | Covers costs if you accidentally injure someone or damage property |
| Rental Vehicle Excess | Refunds the excess charged on rental car accidents |
| Repatriation | Transport back home due to medical emergency or death |
| Family Emergency | Cover to return home if a family member becomes seriously ill |
Key Exclusions – What 1Cover May Not Cover
Before buying, you must understand limitations. Like all insurers, 1Cover has exclusions:
Pre-existing medical conditions without disclosure
Travel against government advice
High-risk or extreme sports unless add-ons are purchased
Theft of unattended luggage
Claims without evidence (receipts, police reports)
Reading the Product Disclosure Statement (PDS) helps avoid surprises at claim time.
Add-Ons Available with 1Cover
You can customise your policy depending on the nature of your trip.
🔹 Winter Sports Cover
Protects against injuries, ski gear damage or lift pass loss.
🔹 Adventure Activities Add-On
Covers activities such as:
- Scuba diving
- Skydiving
- Trekking
- Water sports
🔹 Cruise Cover
Specific for onboard medical treatment and trip disruption during cruises.
🔹 Gadget Coverage
Extra protection for expensive items like laptops, cameras & smartphones.
Is 1Cover Travel Insurance Worth It
Yes — if you are travelling, especially internationally, insurance is a smart investment. Unexpected medical costs overseas can be thousands of dollars. A small upfront premium protects you from huge financial losses.
1Cover stands out due to:
- Competitive pricing
- Tailored policies for all ages
- Strong emergency medical support
- Simple claims and transparent policy wording
It is particularly useful for travellers who want peace of mind, flexible purchase options and access to 24/7 global support.
How to Make a Claim with 1Cover
Filing a claim is straightforward if you keep proper documentation.
Steps to Claim:
- Log into the 1Cover online claim portal.
- Upload documents — receipts, medical reports, police reports.
- Complete the form with accurate trip details.
- Wait for claim review and settlement.
Pro-Tip: Record incidents immediately. Report theft within 24 hours for valid processing.
Tips for Buying the Best 1Cover Travel Policy
Analyse your destination’s medical expense risk
Declare pre-existing health conditions honestly
Check if extreme sports require add-ons
Keep receipts for flights, hotels & valuables
Buy travel insurance early — before booking cancellation is needed
Being informed ensures maximum protection & smooth claims.
Conclusion
Travelling is exciting, but unpredictable. Medical emergencies, lost baggage, trip cancellations and natural disruptions can occur at any moment. 1Cover Travel Insurance offers a financial safety net that protects you from these unexpected events. Their policies are flexible, affordable and suitable for families, seniors, solo travellers and frequent flyers. From comprehensive international cover to medical-only and domestic plans, 1Cover helps travellers explore the world with peace of mind.
If you want confidence during your trip — whether it’s a cruise, holiday escape or adventure lifestyle — 1Cover is a solid choice to safeguard your journey.
FAQs
1. What is not covered under 1Cover travel insurance?
Unreported pre-existing conditions, reckless behaviour, high-risk sports and unattended luggage are commonly excluded.
2. Can seniors over 80 get 1Cover insurance?
Yes, seniors have specialised coverage options, but medical assessments may apply.
3. Does 1Cover cover COVID-19?
Some plans include pandemic-related medical disruption cover, depending on the policy version and PDS conditions.
4. Is 1Cover travel insurance good for families?
Absolutely. Family-friendly benefits include kids covered under adult policies, medical cover and luggage protection.
5. When should I buy travel insurance?
As early as possible. Buying immediately after booking ensures cancellation protection if plans change unexpectedly.
