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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