Travel Insurance Reviews

I made claims on behalf of people travelling in my groups in October and again in November 2016. I did not need to make a claim! The first claim - In October 2016 - was following the person being injured in a bus accident in Cambodia. When the hospital contacted TID re guarantee of payment for treatment - it was instantly granted. TID assistance kept in constant touch to make sure we were Ok and to see if we needed anything. When a waiting period was needed (airline rules) following treatment TID were happy for my friend to stay at the hospital - so she could continue to improve.
The second time was a claim made for a student who I had to seek Medical advice for in Vietnam in November 2016. The student had a throat infection and then an allergic reaction. All treatment and Medicines were paid by me -when I returned home in Decemberthey were submitted and TID paid the claim within a week. I have been using TID for about 10 years and have recommended it to others but had never made a claim (I still haven't). My experience with these 2 cases was very positive and, especially in the case of the Bus Accident - it was very reassuring and appreciated.

When the unexpected happens and something goes wrong on holidays it is always a concern that making a claim will be a minefield of troubles. 1Cover's personable rep took the information over the phone with a followup request via email for the documentation and within a week my claim was settled. Bravo

small issue at first but solved professionally and paid my claim full. easy process and good communication via email.

My first and only experience claiming for travel. I have always insisted having insurance for medical overseas but this claim was for damaged luggage. I was immediately provided a claim number and list of what 1Cover needed to evaluate the claim. Seemed daunting at first & took some time, but I was delighted when approval was swift and funds deposited directly to bank account. Company rep great. Service top rate.

We were sold Covermore insurance by Flight Centre in Frankston. The premium was 15% on top of the total travel package price, so not cheap.

Unfortunately we were robbed in Naples and lost Phones and Ipads. Pretty straight forward. We even got certified (In Italian) Police Crime report.

Making the claim was torturous and difficult.
They were slow to make an assessment, and when it came through it was only enough to replace 1 of the 4 devices lost. Not happy, as we always like "New for Old Polices, the same as we have for our Home and Contents (And Covermore.... don't tell us to read the PDS. That is patronising and not realistic). Flight Centre should have made the exclusions and depreciated claims process clear when selling it to us. It was too late after we had paid for the insurance and flights at Flight Centre. They also should have told us Covermore has a shockingly bad reputation for claims so we could consider their suggestion in an informed way.

Eventually Covermore stated they would pay us (By EFT to our nominated account in the claim form); a small part of our loss by a certain date. The payment didn't turn up. That was mid Dec 2016.
Many emails unanswered later, they admitted that the payment had not been made. they claimed it bounced. They didn't offer to resubmit it (in case they made an error with the bank details, and said they would mail a cheque which we should see in a few days.
It didn't turn up either. Many emails and calls. Eventually Cove-more admitted (alleged) that they had mailed it to an address unrelated to our address provided on the claim form. Why we asked? Ooops.. sorry they said.

So far (assuming they really tried to actually pay us) they have used incorrect EFT details, and mailed a cheque to an incorrect address.
So then they say, "give us another bank account" we say why, the one we gave you is fine. They insist so we do. They say the EFT will be paid urgently (the next business day).

Guess what... no payment. Emails and calls later, they claim (is anything they say true, or all lies?) they haven;t yet cancelled the cheque and won'y EFT until they do.

That is different to what they promised in writing, and anyway, they are so incompetent they can't process an EFT or correctly address an envelope. What hope is there they will know or care how to cancel a cheque.

So in desperation we escalated to the ombudsman.
We get emails and calls from Covermore now... to ask us to withdraw the complaint.
"Not till we get paid thanks" we reply.
Next we get an email from the ombudsman checking as they were told by Covermore that the mater was resolved.

So not only grossly incompetent or fraudulent, but Covermore Insurance is happy to mislead the Financial Services Ombudsman. Is that legal?

Needless to say, that latest (fourth) promise of EFT payment the next business day has not occurred.

Domestic Annual Cover. Simple claim - I lost my glasses. Even though I didn't have an itinerary, the claim was processed quickly and efficiently.

Great service. Just had an issue when being reimbursed for a claim. The bank details was input incorrectly which took an extended period to rectify. All was ok at the end.

I have been buying Fly Sure every year for the past 25 years never made a claim in all this time until now. Last October I applied for a claim but they refused to pay out, what a waste of money all them years never again just be careful when buying travel insurance from this mob.

Great through the claims process just once submitted took over a month to be reviewed, when policy said 10 days.

1 Cover has always provided excellent service, would choose them over anyone else at their current level of service.

I clearly stated the total amount to repair my camera and a lower amount was offered, well under the repair cost (not including the excess). Very dodgy!!!!

I must commend the way the consultant took me through the whole process. I was skeptic and anxious at the start as I didn't know how to go about with the claim. 1cover consultant just allayed all my fears and apprehensions by taking me through the entire process and explaining in detail all steps to make the claim, which absolutely made the whole claim process so pain free.