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1cover Travel Insurance Review

4.4 / 5.0 CTI Rating
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  • Australian based
  • 2,350 verified reviews
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Natalie Smith

Reviewed by Natalie Smith

Travel Insurance Analyst | Updated Sep 7, 2026

CTI Verdict

1Cover offers a range of travel insurance cover options, including a Comprehensive plan with no upper age limit. Policies include flexible cover options and optional extras, allowing travellers to tailor their cover. They are one of the only insurers in the market to offer refunds outside of the cooling off period. T&Cs apply.

Customer reviews

Ross T.

July 2016

Claim from illness in Bali

Tina D.

July 2016

Great assistance with hospitalisation costs overseas due to Allergic reaction

John M.

July 2016

Highly recommended travel insurance

Michelle K.

July 2016

1Cover? More like 0Cover.

Sue M.

July 2016

Prompt response

Jesus D.

July 2016

Most Caring Travel Insurance

Luuca123

July 2016

great customer service

Maree C.

July 2016

Now I know why I pick 1Cover

Chris R.

July 2016

very happy with all elements of the service

Luigi B.

July 2016

The claims process worked as all insurance claims should

Mark S.

June 2016

Easy experience

Zarlo1

May 2016

Easy to understand, easy to claim

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Got questions?

Frequently asked questions

How many people can I include in my policy?

The more the merrier right? 1Cover insures groups of up to 25. That means more fun for less hassle.

Am I covered if I go on a cruise?

No, not automatically. If you're cruising for more than 2 nights you must purchase their Cruise Pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

Am I covered for skiing and my equipment?

Yes, if you purchase their Winter Sports Pack add-on. 1Cover provides coverage for skiing equipment. Adventurous skiers can even enjoy off-piste skiing (within resort boundaries).

Can I pay to reduce or cancel my excess?

Yes, you can pay an additional premium when you purchase your policy to reduce the standard excess.

What additional extras are there?

Along with comprehensive cover for your electronics and personal belongings, additional cover can be purchased for specified items. There is also a cruise cover add for those going on a cruise, a Winter Sports pack add on for cover whilst skiing and a wide range of snow sports, an Adventure and Sports Pack to cover a range of activities and Car Hire Excess add-ons.

Am I covered if my tour company collapses?

1Cover doesn't provide protection from insolvency.

I'm not an Australian resident- can I buy cover?

You may be able to buy a policy if you are not an Australian resident. Make sure you read the PDS to check their eligibility criteria.

What size moped or motorbike am I covered to ride overseas?

1Cover provides coverage for riding a moped or scooter with an engine displacement of 125cc or less, provided you hold a current and valid driver's licence in Australia. If you plan to ride a motorcycle with an engine displacement greater than 125cc, you must have a valid motorcycle licence in Australia for the specific class of motorcycle you are using.

How long is their single trip cover for?

12 months.

Can I extend my policy from overseas?

Having too much fun? No problems! You can extend your policy with 1Cover for up to a year. You can apply to extend your policy through their online policy manager.

Do they cover for my rental vehicle excess?

Yes, up to $5,000 under domestic policies. For international coverage, you must purchase the Rental Vehicle Insurance Excess Pack. This coverage applies to a variety of vehicles, including a campervan, car (4WD, coupe, convertible, hatchback, sedan, SUV, utility, van), minibus, motorhome or people mover that is equal to or less than 4.5 tonnes.

Who underwrites them?

1Cover travel insurance policies are underwritten HDI Global Specialty SE - Australia. 1Cover issues and manages the policies as an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457.

Where are they based?

Sydney!