- FAQ's
Please click on a question below to see the answer:
- Why is 1Cover Travel Insurance such good value for money?
- How do I get my 1Cover Travel Insurance policy?
- What do I receive as confirmation that I am covered?
- How long does it take to apply for cover?
- When should I take out my policy?
- How do I pay if I do not have a credit card?
- Where are your offices exactly?
- How do I contact you from overseas?
- Why are Japan, Hong Kong and China not included in your Asia category?
- Don't know what area the country I am visiting comes under?
- What does a duo mean?
- Do you have to be related to travel as a duo?
- What is a dependent?
- What cover do I receive for luggage and personal effects?
- What is 'Rental Vehicle Excess' cover?
- Will you fly me home if I fall sick overseas?
- What happens in the event of a terrorist attack?
- Do you cover for Bird Flu?
- I have applied for a policy but I have not yet received it via email?
- I am having a stopover outside my selected destination. Is this covered?
1. Why is 1Cover Travel Insurance such good value for money?
For starters, we only sell directly to the public. Because we do not sell through Travel Agents you do
not have to pay commissions of up to 50% on your policy.
Most of our business is done online so we also have lower overheads.
2. How do I get my 1Cover Travel Insurance policy?
Your policy is generated instantly after your payment is processed. You will receive an email
immediately with your Certificate of Insurance and Policy Documents attached. You are covered for
cancellation from this moment and the rest of your cover starts on your date of departure.
Our policies can be purchased on the Internet or telephone.
3. What do I receive as confirmation that I am covered?
Once you have taken travel insurance with us we issue you with a certificate of travel insurance.
This is automatically emailed to you, faxed or posted in the daily mail.
4. How long does it take to apply for cover?
If you apply online or over the telephone using a credit card then it only takes 5 minutes and
you will be insured.
If you are making a direct deposit into our account then we need to wait until we have confirmation of your payment before we can issue you with travel insurance.
5. When should I take out my policy?
As soon as you pay for a 1Cover policy, you will be covered for cancellation fees and lost
deposits should you have to cancel your trip. Your actual policy will not begin until the
day of your departure, but the cancellation cover will take effect immediately.
For this reason, we recommend you take out cover as soon as possible. It will not alter the premium no matter how early you apply.
If you are applying for pre-existing medical cover you should allow approximately 24 hours. If you do not have access to email please allow time for postage.
6. How do I pay if I do not have a credit card?
There are 3 other ways you can pay if you do not have a credit card:
(a) You can ask for one of our cash payments forms which you can fill in and send back to us with a cheque.
(b) You can also come and visit us in our Sydney based sales office and pay by cash.
(c) You can make a direct deposit into our bank account by visiting the bank or using online net banking.
7. Where are your offices exactly?
Our Sales Office is in Sydney. Our address is:
Level 11
307 Pitt Street
Sydney
NSW
8. How do I contact you from overseas?
Once you have purchased travel insurance with us, we issue you with a certificate of travel insurance.
On this certificate is our 24 hour emergency number which you can call at anytime.
Our Sales department is also on this certificate and can be contacted during opening hours.
24 Hour Emergency Assistance (+) 800 7997 9000
(The + represents the dialing out code from whatever country you are in)
Reverse Charge Number (+) 61 7 3305 7499
(You need to call the International Operator to be put through to this number)
Sales Department (+) 61 2 9235 0222
(Between the hours of 8am – 6pm Australian Eastern Standard Time)
9. Why are Japan, Hong Kong and China not included in your Asia category?
The countries listed are seen as a higher risk category than other countries in Asia and have
therefore been attributed a higher premium.
10. Don't know what area the country I am visiting comes under?
If you are unsure of what category your destination comes under then please use our destination finder
A duo is two people who will be travelling together for at least 70% of the time.
12. Do you have to be related to travel as a duo?
No you don’t need to be related to travel as a duo. You can be boyfriend and girlfriend or even just mates.
13. What is a dependent?
A dependent is someone under the age of 21, who is reliant on the adult's traveling. For example: a
daughter, son, niece, nephew or grandchild. In order to be classed as a dependent, the child must be
traveling with their parent or guardian at all times.
If there are two adults traveling, we allow for an unlimited amount of dependent children on the policy, and they will travel free.
When only one adult is traveling, there is a limit of 2 free dependents. Any other child would have to travel on their own adult policy, paying the full adult premium.
14. What cover do I receive for luggage and personal effects?
On the standard comprehensive policy, (Plan A) you would receive $5000 worth of cover for luggage
and personal effects. Within this allowance, there is $3000 allocated for a computer, camera, or
video recorder.
For other baggage, the maximum we will pay is $750 per item until you reach the $5000 limit. If you need to purchase additional cover, you can do so by paying extra on the standard premium.
There is no luggage cover on the Medical Only Policy (Plan C) and there is a limit of $2000 worth of luggage cover on the Long Stay policy. (Plan E)
On all other policies the limit is $5000 per person and $10,000 per family.
15. What is ‘Rental Vehicle Excess’ cover?
On the comprehensive policy we cover for $3000 for Rental Vehicle Excess.
This means that if you hire a car whilst you are away and have an accident, we will pay up to $3000 of the excess charged by the rental vehicle company, even if you were responsible for the accident. We will also cover for theft of the car.
Most hire companies will give you the option of paying a daily fee to reduce the excess they charge. If you take a 1Cover policy you need not pay this fee, since we will pay the excess they charge you.
Please note that Rental Vehicle Excess cover is only available on Plans A, B and D.
16. Will you fly me home if I fall sick overseas?
If you become seriously ill or injured overseas, we will cover the cost for your medical transfer or
evacuation, so long as this is approved by Mondial Assistance.
We will also pay for the return of your dependent children to Australia if they are left unsupervised following your hospitalisation or evacuation.
17. What happens in the event of a terrorist attack?
In the event of a terrorist attack we do not cover you for your cancellation fees and lost deposits.
However, if you are overseas and there is a terrorist attack we will cover all necessary medical/hospital
expenses, emergency medical assistance and additional accommodation and travel expenses. This is
includes bringing you home.
18. Do you cover for Bird Flu?
We do not cover you for your cancellation fees and lost deposits if you decide to cancel your trip
due to Bird Flu. However, if you are overseas and a pandemic is announced, we will cover all
necessary medical/hospital expenses, emergency medical assistance and additional accommodation and
travel expenses. This is includes bringing you home.
19. I have applied for a policy but I have not yet received it via email?
Whether your policy is purchased over the phone or over the internet, the certificate of insurance
will be emailed to you instantly. If you have not received the policy within in an hour of
purchasing, check that it has not gone directly to junk mail.
If you still have not received the policy, please call us on 1300 550 560. There may be an error in the email address which our sales consultants can rectify.
20. I am having a stopover outside my selected destination. Is this covered?
On all policies, we allow a 2 night stopover outside your selected destination, each way.
