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1Cover Travel Insurance

Disclaimer:

1Cover Travel Insurance is currently not available through travelinsurance.com.au. You are welcome to visit their website for more information or compare travel insurance options available from us.

Policy Options Available From 1Cover

Comprehensive: Travellers of all ages

Essentials: Travellers aged 74 and under

Medical Only: Travellers aged 74 and under

Domestic: Travellers of all ages

Visitors to Australia: Travellers aged 74 and under

Already Overseas: Travellers aged 74 and under

Frequent Traveller: Travellers aged 64 and under

Benefit

Comprehensive / Frequent Traveller

Essentials

Medical Only

Domestic / Frequent Traveller

Visitors to Australia

Already Overseas

Overseas emergency medical assistance

Unlimited

Unlimited

Unlimited

-

Unlimited

Unlimited

Overseas emergency medical and hospital expenses

Unlimited

Unlimited

Unlimited

-

Unlimited

Unlimited

Dental expenses

$1,000

$500

$500

-

$500

$500

Resumption of journey

$3,000

-

-

-

-

$3,000

Hospital cash allowance

$5,000

-

-

-

$1,000

$5,000

Accidental death

$25,000

-

-

$25,000

$20,000

$25,000

Permanent disability

$25,000

-

-

-

-

$25,000

Loss of income

$10,400

-

-

-

-

$10,400

Credit card fraud and replacement

$5,000

$1,000

-

-

-

$5,000

Theft of cash

$250

-

-

-

-

$250

Luggage and personal effects

$15,000

$5,000

-

$15,000

$3,500

$15,000

Luggage delay

$250

-

-

-

-

$250

Additional accommodation & travel expenses

$50,000

-

-

$50,000

$50,000

$50,000

Cancellation fees and lost deposits

Unlimited

$2,500

-

Unlimited

Unlimited

Unlimited

Disruption of journey

$1,000

-

-

$1,000

-

$1,000

Alternative transport expenses

$5,000

-

-

-

-

$5,000

Personal liability

$5m

$5m

$5m

$5m

$5m

$5m

Domestic pets

$500

-

-

-

-

$500

Domestic services

$500

-

-

-

-

$500

Rental vehicle insurance excess

$5,000

-

-

$5,000

$2,500

$5,000

General Exclusions from all 1Cover Policies

  • Travelling against medical advice

  • Breaking the laws in Australia and overseas.

  • Ignoring official warnings from the Australian Government about terrorism, extreme weather conditions, and health concerns.

  • Purchasing your policy after a natural event has been made public in the media, and needing to claim as a result.

  • Negligent behaviour resulting in loss or damage to property or bodily harm.

  • Reckless behaviour caused by the consumption of drugs or alcohol.

  • Being unaware of what your policy covers you for, despite it being available in the PDS.

  • Not doing everything you can to reduce your risk for loss or damage.

  • A government official confiscating, detaining, or destroying anything.

  • Driving a car, motorcycle, moped, or other similar vehicles without a valid Australian license and an IDP where necessary.

  • Any pre-existing medical condition not covered automatically by 1Cover.

  • Any elective surgery or treatment that is not medically necessary.

  • Sexually transmitted diseases.

  • Suicide or attempted suicide or bodily harm.

  • Participating in any high-risk sporting activities that are not covered by the policy.

Activities Automatically Covered by 1Cover

- Abseiling

- Bicycle touring

- Bungee jumping

- Fishing

- Go-karting

- Horse riding

- Marathon

- Paintballing

- Safari tours

- Scuba diving

- Surfing

- Whitewater rafting

Pre-Existing Medical Conditions Automatically Covered by 1Cover

Some pre-existing medical conditions are automatically covered by 1Cover, provided the condition has been stable for more than 12-months; there is no planned surgery, treatment or specialist review; you have not attended hospital for the condition in the last 12-months.

These conditions include:

- Acne

- Asthma

- Allergies

- Bell’s Palsy

- Benign Positional Vertigo

- Bunions

- Carpal Tunnel Syndrome

- Cataracts

- Coeliac Disease

- Congenital Blindness

- Congenital Deafness

- Dry Eye Syndrome

- Diabetes Mellitus (Type 1 and 2)

- Epilepsy

- Folate Deficiency

- Gastric Reflux

- Goitre

- Glaucoma

- Graves’ Disease

- Hiatus Hernia

- High Cholesterol

- High Blood Lipids

- Hypothyroidism (Underactive Thyroid)

- High Blood Pressure

- Impaired Glucose Tolerance

- Incontinence

- Insulin Resistance

- Menopause

- Nocturnal Cramps

- Pernicious Anaemia

- Raynaud’s Disease

- Sleep Apnoea

- Trigeminal Neuralgia

- Trigger Finger

- Vitamin B12 Deficiency

Making a Claim with 1Cover

  • Submit your claim within 30-days of your return, by calling 1300 369 883 or emailing claims@1cover.com.au.

  • Provide supporting documents, including police reports, valuations, detailed repair quote, medical reports, original receipts or proof of purchase and ownership. Provide evidence for all expenses that you are claiming, and translations into English where necessary.

  • Your claim will be processed within 10 business days provided all the relevant information was provided.

  • Your claim will then either be accepted or denied with the relevant feedback given to you.

1Cover Contact Details

Underwriter

Certain Underwriters at Lloyd's

Website

www.1cover.com.au

Enquiry Number

Within Australia: 1300 192 021

Overseas: +61 2 801 563 92

General Email Address

info@1cover.com.au

Claims Email Address

claims@1cover.com.au

Claims Number

1300 369 883

Postal Address

Address: Level 11, 307 Pitt Street, Sydney, NSW 2000 Australia.

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