1Cover Travel Insurance Review
1Cover Direct Travel Insurance are specialists in online insurance. 1Cover Direct offer cheap yet comprehensive travel insurance. They also offer home, car, and life insurance. Review the different levels of cover below to help make your decision on travel insurance.
Summary of 1Cover Travel Insurance (Comprehensive)
 |
Medical Cover |
 |
Unlimited |
| Luggage Cover |
|
$5000 | |
| Laptops, Mobile Phones, iPod, Camera |
|
$3000 for personal computers, video recorders or cameras. $1000 for mobile phones. $750 max for each other items. |
|
| Sports and Activities Cover |
|
Good Range, includes some Snow and Ski cover |
|
| Cancellation Cover |
|
Unlimited | |
| Excess |
|
$100 | |
Details of 1Cover Travel Insurance
Website: http://www.1cover.com.au
Phone Number: 1300 368 344, +61 2 9235 0222
Claims: 1300 726 945, +61 7 3305 7499
Underwriter: Allianz
Emergency Service Provider: Mondial Assistance
Contact Method: Reverse charge call to Australian number and local call in specific countries
24 hour emergency assistance call
+61 7 3305 7499 (reverse charge from overseas)
1800 010 075 (within Australia)
Maximum Age: 60 without extra premiums
Children Covered: Under 21 dependant children / grandchildren are covered under family policy
Extension Available: Yes
Additional Length: 12 months
Plan A - Comprehensive
Schedule of Benefits
| Type of Benefit | Single |
|---|---|
| Overseas Emergency Medical Assistance | Unlimited |
| Overseas Medical/Hospital | Unlimited |
| Dental Expenses | $500 |
| Additional Accommodation & Travel Expenses | $50,000 |
| Family Emergency | $50,000 |
| Emergency Companion Cover | $50,000 |
| Resumption of Journey | $3,000 |
| Hospital Cash Allowance | $5,000 |
| Accidental Death | $25,000 |
| Permanent Disability | $25,000 |
| Loss of Income | $10,400 |
| Credit Card Fraud & Replacement | $5,000 |
| Travel Documents & Traveller's Cheques | $5,000 |
| Theft of Cash | $250 |
| Luggage/Personal Effects | $5,000 |
| Luggage Delay Allowance | $250 |
| Cancellation Fees & Lost Deposits | Unlimited |
| Disruption of Journey | $1,000 |
| Alternative Transport Expenses | $5,000 |
| Personal Liability | $5 million |
| Domestic Pets | $500 |
| Domestic Services | $500 |
| Rental Vehicle Excess | $5,000 |
Plan B - Essentials
Schedule of Benefits
| Type of Benefit | Single |
|---|---|
| Overseas Emergency Medical Assistance | Unlimited |
| Overseas Medical/Hospital | Unlimited |
| Dental Expenses | $100 |
| Additional Accommodation & Travel Expenses | - |
| Family Emergency | - |
| Emergency Companion Cover | - |
| Resumption of Journey | - |
| Hospital Cash Allowance | - |
| Accidental Death | - |
| Permanent Disability | - |
| Loss of Income | - |
| Credit Card Fraud & Replacement | $1,000 |
| Travel Documents & Traveller's Cheques | $1,000 |
| Theft of Cash | - |
| Luggage/Personal Effects | $2,000 |
| Luggage Delay Allowance | - |
| Cancellation Fees & Lost Deposits | - |
| Disruption of Journey | - |
| Alternative Transport Expenses | - |
| Personal Liability | $5 million |
| Domestic Pets | - |
| Domestic Services | - |
| Rental Vehicle Excess | - |
Plan C - Basics
Schedule of Benefits
| Type of Benefit | Single |
|---|---|
| Overseas Emergency Medical Assistance | Unlimited |
| Overseas Medical/Hospital | Unlimited |
| Dental Expenses | $500 |
| Additional Accommodation & Travel Expenses | - |
| Family Emergency | - |
| Emergency Companion Cover | - |
| Resumption of Journey | - |
| Hospital Cash Allowance | - |
| Accidental Death | - |
| Permanent Disability | - |
| Loss of Income | - |
| Credit Card Fraud & Replacement | - |
| Travel Documents & Traveller's Cheques | - |
| Theft of Cash | - |
| Luggage/Personal Effects | - |
| Luggage Delay Allowance | - |
| Cancellation Fees & Lost Deposits | - |
| Disruption of Journey | - |
| Alternative Transport Expenses | - |
| Personal Liability | $5 million |
| Domestic Pets | - |
| Domestic Services | - |
| Rental Vehicle Excess | - |
1Cover Travel Insurance Reviews from Users
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Reviews
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I put in my first travel insurance claim with 1 Cover 4 years ago and it took nearly 12 months of perseverance to get my money. I could take my holiday due to my son taking seriously ill and I stupidly believed it would be a simple matter of sending in the legitimate details with clarification from the Dr and all receipts for the holiday. Every time I thought I had completed all the paper work this company requested they would ask for more. I even had to claim the taxes back myself from the airline which was very difficult and took 3 months. It was only after their requests went on for several months that I finally had enough and threatened to go to consumer affairs. I got the money - a measly $2,000 within a couple of days! They may be cheap but impossible to claim with!!
Posted by Jane, 05/02/2012 6:31pm (1 day ago)
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I have been travelling around the world for the past 3 years, due to the fact that I never seem to make a claim on any of my travel insurence, I decided to seek cheaper cover. I signed up with 1cover and went on my way. a few months later I had to urgently return home Due to my mother having a heart attack and my father being diagnosed with Cancer. I sent through a claim for the $900 in flights. After over 2 months of constantly calling to check on my claim and having to supply letters from the doctors and hospital as proof of my familys illness, my claim was denied on the grounds that 'You dont have citizenship in the country you were visiting .. so.. you would have had to return back to Australia one day"
If only these reviews were available before I travelled.
Posted by Mark, 13/11/2011 4:17pm (3 months ago)
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last year we took our 2 kids, 2 and 4 to disneyland. we parked our double phil n ted pram in the designated \\\\\\\'stroller parking\\\\\\\' area which is all over disneyland with over 20 other parked prams and went on a ride with our kids. when we got back,
(just under 10 mins) our pram had been stolen and it took security over 15 mins to get to me and the kids. my husband had run to the entrance in the hope of catching the thieves. we were then told by security that over 30 prams get stolen a day in disneyland and the phil n teds was the more popular ones. note that they had no signs warning you of this at their stroller parking areas and apparently their security cameras are only used if people steal from disneyland and not from each other!!! upon our return, we finally contacted the travel insurance company (note also we cudnt contact them overseas by any provided number!!!), i was told to fill in a claim and to provide as much proof of evidence ie photos, receiptd etc. i spent 2 wks doing this only to be told that our claim was being denied because we left our pram in an unsupervised public place! they did pay for all our medical bills tho. our claim got denied thru the 3 internal disputes. i wud not recommend this insurance company to anyone - however, they are all the same when it comes to claims. they\\\\\\\'ll happily take yr money but giving it back is another issue! some dont even take photos as proof of ownership - only receipts!! who the hell keeps all their receipts in case they lose something overseas?? only solution is to buy everything cheap n new before travel n then u\\\\\\\'ll have receipts!!Posted by emalie, 02/10/2011 11:48am (4 months ago)
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I will never buy an insurance product from 1cover again and am canceling my car insurance with allianz and any other products associated with mondial. I have been a loyal customer for years buying their products in good faith. I had an anniversary weekend away booked and took out travel insurance with 1cover but sadly the flights were with tiger. I had paid for transfers, activities, tours, accommodation but 1cover will not pay for the extra cost of tickets with another airline. They are not able to tell me the specific clause in the Pds that states I am not covered. They refuse to put me through to a supervisor. As a result I will be forfeiting the holiday because u do not have the money to buy another flight especially with only days notice. Zero out if ten for this insurance. Do not buy insurance from this company
Posted by Jenny green, 10/07/2011 9:31am (7 months ago)