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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

Christine H.

August 2018

disappointed

Karen F.

August 2018

Should be simple but isn’t

Eugenie E.

August 2018

Great customer service

Colin T.

August 2018

Simple Easy Process

Maurice B.

August 2018

Claim paid with ease

Russell H.

August 2018

Extremely easy

Donna L.

August 2018

Great value for money

Robert J.

August 2018

Hassle free

Linda S.

August 2018

It covered me for everything plus motor bike

Leanne L.

August 2018

Quick and easy claim process

Pauline T.

August 2018

Peace of mind

Maria S.

August 2018

Third time with 1Cover.

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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!