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?
- When can I buy my 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 China, Japan, Hong Kong and Bali not included under the Geographical Region for Asia (Region 3)?
- I don't know which Geographical Region the country I am visiting comes under?
- What is a "Group" policy?
- Do both insured persons have to be related to take out a Group policy?
- 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?
- Does my policy provide cover for Bird Flu (H5N1 Avian Influenza)?
- 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?
- Can I pay by bank transfer or cheque?
For starters, we only sell directly to the public. Because we do not sell through Travel Agents you do not have to pay them commissions of up to 50% on your policy. Because you buy online and your policy is delivered instantly via email, our overheads are also lower. This means we can pass those savings on to you, so our prices can be lower.
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.
You may purchase a travel insurance policy up to 12 months prior to your departure date. For Plans A, B, C, D, E & F, you must purchase your policy before you commence your Journey. Plan G must be purchased within 14 days of your arrival in Australia, and Plan H must be purchased while you are overseas.
You can call us from 8am to 6pm Monday to Friday and 10am to 4pm on Saturdays AND Sundays.
You can apply for a policy online 24 hours a day, 365 days a year and obtain immediate cover (subject to the terms and conditions).
Once you have taken travel insurance with us we issue you with a Certificate of Insurance. This is automatically emailed to you, faxed or posted in the daily mail.
If you apply online or over the telephone and pay using your credit card then it only takes 5 minutes to be covered.
If you are making a direct deposit into our account or are paying by cheque then we need to wait until we have confirmation of your payment before we can issue you with a 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. This applies to Plans A, D, E, F, G & H only (Plans B & C do not include Section 16 - Cancellation Fees & Lost Deposits). Cancellation cover will take effect immediately.
For this reason, we recommend you take out cover as soon as possible.
If you are applying for Pre-existing Medical Conditions cover, you should allow at least 24 hours before you commence your trip. If you do not have access to email please allow time for postage so that you can ensure you receive a copy of your insurance documents before you leave.
There are 3 other ways you can pay if you do not have a credit card:
- You can ask for one of our cash payments forms which you can fill in and send back to us with a cheque.
- You can also come and visit us in our Sydney based sales office and pay by cash.
- You can make a direct deposit into our bank account by visiting the bank or using online net banking.
Our Sales Office is in Sydney. Our address is:
1Cover Pty. Ltd.
Level 11
307 Pitt Street
Sydney, 2000
NSW
more details
Once you have purchased your policy, we will issue you with a Certificate of Insurance. On this Certificate is the 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)
(the + represents the dialling-out code from countries outside of Australia)
China, Japan and Hong Kong are seen as a higher risk category than other countries in Asia, and have therefore been attributed higher premiums. You must choose "Region 1 - Worldwide" if you are visiting China, Japan or Hong Kong.
Bali is seen as a lower risk category than other countries in Asia, and has therefore been attributed a lower premium. You must choose "Region 4 - Pacific" if you are visiting Bali.
If you are travelling to multiple destinations which are in different Geographical Regions, you must select the highest Geographical Region, as this will cover travel in each of the lower Geographical Regions.
Example:
If you are travelling to Bali, Philippines and Germany, you must select Region 2 - Europe. You will then be covered for all destinations in Regions 2, 3 & 4.
If you are unsure of which Geographical Region your destination comes under then please use our destination finder
Group policies cover you and your Travelling Companion - they do not provide cover for Dependant children/grandchildren. You are issued one Certificate of Insurance, however, you are both covered as if you are each insured under separate policies with Single policy benefits per insured person.
No you don’t need to be related. You can be boyfriend and girlfriend or even just mates.
Dependants are your children or grandchildren not in full time employment, who are under the age of 21. In order to be classed as a Dependant, the child must be travelling with their parent or grandparent at all times.
If there are two adults travelling, we allow for an unlimited amount of Dependants on the policy, and they will travel free under Single or Family policies (there is no cover for Dependants under Group policies).
When only one adult is travelling, there is a limit of 2 free Dependants. Any other child would have to travel on their own adult policy, paying the full adult premium.
Please refer to the Table of Benefits in the Policy Wording for the maximum benefit limits applicable to each Plan. There is no cover for Luggage and Personal Effects under Plan C.
Within the maximum benefit limits in each Plan, the maximum amount each item is covered for (i.e. the item limit) is:
- $3,000 for personal computers, video recorders or cameras
- $1,000 for mobile phones (including PDAs and any items with phone capabilities)
- $750 for all other unspecified items
A pair or related set of items for example - but not limited to:
- a camera, lenses (attached or not), tripod and accessories;
- a matched or unmatched set of golf clubs, golf bag and buggy;
- a matching pair of earrings;
are considered as only one item for the purpose of this insurance, and the appropriate single item limit will be applied.
Additional cover can be purchased for specified items (excluding jewellery) up to $5,000 for all items combined by paying an additional premium. Receipts and/or valuations need to be provided. The standard item limits above remain unaltered. This Additional Option is not available under Plan C.
If you hire a Rental Vehicle while you are travelling and have an accident or the Rental Vehicle is stolen, a benefit is payable up to the maximum limit shown in the Table of Benefits for the Plan you have selected, towards the Excess charged by the Rental Vehicle company.
Most Rental Vehicle companies will give you the option of paying a daily fee to reduce the Excess they charge. If you take out a 1Cover policy, your policy will pay the cost of the Excess they charge you.
Please note that Rental Vehicle Excess cover is only available on Plans A, D, E, F, G and H.
If you have purchased Plan A, B, C, E, G or H, cover is available for your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or be brought back to Australia with appropriate medical supervision.
Cover is also available under these Plans for the return to Australia of your Dependants if they are left without supervision following your hospitalisation or evacuation.
All expenses for medical evacuation must first be approved by Mondial Assistance.
This only applies to the Plans listed above, as there is no cover for medical/hospital expenses or repatriation under Plans D or F.
In the event of a terrorist attack, there is no cover you for cancellation fees and lost deposits, disruption of Journey or alternative transport expenses. However, if you have purchased Plan A, B, C, E, G or H, cover is available for all necessary medical/hospital expenses, including bringing you Home. This only applies to the Plans listed above, as there is no cover for medical/hospital expenses or repatriation under Plans D or F.
There is no cover for 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, there is cover for all necessary medical/hospital expenses, including bringing you Home. This cover only applies to Plans Plan A, B, C, E, G or H, as there is no cover for medical/hospital expenses or repatriation under Plans D or F.
IMPORTANT: There is no cover under any circumstances if your claim arises because you did not follow advice in the mass media of any government or other official body's warning:
- against travel to a particular country or parts of a country;
- of a strike, riot, bad weather, civil commotion or contagious disease;
- of a likely or actual Epidemic or Pandemic (such as H5N1 Avian influenza);
- of a threat of an Epidemic or Pandemic (such as H5N1 Avian influenza) that requires the closure of a country's borders;
- of an Epidemic or Pandemic that results in you being quarantined,
and you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning). Please refer to www.who.int and www.smartraveller.gov.au for further information.
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 192 021. There may be an error in the email address which our sales consultants can rectify.
Cover for any loss you suffer must occur in the Geographical Region (or any lower Geographical Region) that applies to the Plan selected by you.
However, under Plans A, B, C, G and H, stopovers of 2 nights in a higher Geographical Region outside of your selected Geographical Region are permitted.
Example:
If you have chosen Plan B and are travelling to Bali (and have accordingly selected Region 4), you will be covered for all destinations listed in Region 4, as well as up to 2 nights stopover in any destination in Regions 1, 2 & 3.
Yes you can. If you would like to pay by one of these methods then please call us. Please note we won't be able to issue you with an insurance policy until the monies have cleared into our account. For this reason we recommend you use a credit card where possible.
