$10k flights giveaway! T&Cs apply
 

 

 

Travel Insurance - Get a quick quote

 

Before you buy,
please read our travel alerts.
1Cover awards

 

Annual Travel Insurance

 

 Annual Insurance

Travelling often? Save time and money with an annual multi-trip policy. One policy covers unlimited domestic trips for a year.

Winter Sports

 Ski Cover

Premium winter sports and ski cover with benefits specific to snow lovers on the slopes.
 

Covid cover

 Covid Cover

 1Cover policies include overseas medical cover for COVID-19, but not for trip cancellation due to Covid 19. Learn more in our Covid Hub.

​​​​​
Already overseas

 

 Already overseas

 Travel insurance for Australians who may have forgotten to purchase before their international trip. Get covered now!

 Domestic coverdomestic Travel Insurance

 Beach, bush, or city: our domestic travel insurance has got you covered on your Aussie holiday. Rental car excess included.
Cruise Travel Insurance

  Cruise Insurance

 Choose our Cruise Pack for comprehensive cover from ship to shore, including medical cover and missed ports.

​​​​​​

 

 

 

The one thing you need
when one thing goes wrong
​​​​​​

 

What does our Travel Insurance Cover?

Cancellation
Cover 

If you become ill or need to change your travel plans, we can help. 

Luggage & Belongings

Up to $15,000 luggage and personal effects cover for loss or damage.

Car Rental
Excess

 Cover for exorbitant rental excess fees if your car is damaged/stolen

Additional Expenses

If your plans are disrupted because of illness. 

Credit Card Fraud

If you're the victim of common credit card fraud

Personal Liability

Cover for legal liability in some circumstances.

 

 

Things don't always go to plan when you travel.

So Get 1Cover Travel Insurance, It's The One Thing You Need... When One thing Goes Wrong.

 

 

 

We've Already Helped 2 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Recommend to friends & family"

    “We’ve been using 1Cover for more than 10 years and have been completely satisfied. 1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”

    Steven Adams, June 24

  • Outstanding service

    “We will always use 1Cover from now on - outstanding service, great experience (apart from the torn ACL). Huge thanks to our emergency case manger. Outstanding!!” 
    Matthew Noblet, June 24

  • "Process was so easy"

    Thank you for making a horrendous time truly easy! The process, care and professionalism of our claim was the best. In our 72 years, we have never had a Travel Claim, We will be sure to recommend you to all our friends.

    Kenneth & Angela Murray, May 24

  • Your staff are amazing

    “1Cover would be void without their staff and all of you are amazing! Thank you for your individual support, I shall continue to recommend your company whenever the opportunity arises."  

    Maria Purdie, May 24

Read More Reviews

 

 

 

travel insurance FAQs 

  • Am I covered for cancellation, travel changes or costs incurred due to the Coronavirus (COVID-19)?
  • No, there is no cover for cancellation costs or additional costs incurred because of Coronavirus (COVID-19). 1Cover policies purchased prior to 19th November 2021 have a general exclusion that excludes cover for any claims related to an epidemic or pandemic.

    1Cover policies purchased after 19th November 2021 offer overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas.

    At this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus (COVID-19). We recommend that you contact your travel providers (your airline, transport and accommodation providers) to find out what terms and conditions may apply to you. 

    Learn more about
     cover for pandemics and how to recover your costs.

  • What Happens If I Miss My Flight Or If Flights are Delayed/Cancelled?
  • In the first instance, you should contact the airline to see if any alternate arrangement can be made or if any compensation may be offered.  You should retain any documentation provided by the airline or receipts for any out-of-pocket expenses which you may incur as a result of the delay or cancellation so that you can submit them should you need to make a claim. We do not cover for cancellation, delays or rescheduling which are at the fault of the airline as the responsibility falls on the transport provider to supply you with the services you have paid them for. Please see more information about travel insurance and cancellation cover.

  • What if my luggage is lost or delayed by my airline?
  • We will reimburse you up to $250 if any items of your Luggage & Personal Effects are delayed, misdirected or misplaced by a carrier for more than 12 hours. We do not cover for any loss or damage to items after you have checked them into the hold and until you have collected them again from the luggage conveyor as the transport carrier is at fault for their loss or damage and you should seek compensation from them. See more information about luggage cover.

  • What Happens If I Get Sick Or Injured Overseas?
  • If you're travelling internationally, 1Cover offers Emergency Medical Assistance anywhere in the world, 24 hours a day, 365 days per year. If you’re sick or injured, we advise that you or a member of your travelling party call our medical assistance team as soon as possible. 

    For minor ailments, such as those that only require a GP visit, you may choose to visit a doctor, pay for your visit upfront, and then submit your claim either from overseas or once you return home. Make sure that you keep all receipts and reports from your treating doctor, including the diagnosis and treatment notes and any other documents.

  • What if i ride a scooter or Motorcycle overseas?
  • There are certain things you will need to be aware of in terms of your travel insurance if you're riding a scooter, moped or motorcycle overseas. Find out everything you need to know here. 

  • What Happens If I Need To Cancel My Trip?
  • If you need to cancel your trip, notify any travel providers (airlines, accomodation, tour providers, etc) of your intention to cancel.

    Make sure you check whether your travel providers will refund you. Sometimes, they will return deposits, fares, etc., depending on when you cancel and what your original contract states.

    If you aren’t reimbursed, then check the certificate of insurance and the PDS to see whether your circumstances are covered.

    Once you have done this, and you intend to claim, you’ll need to obtain and supply confirmations, refund advices, and terms and conditions. We request these for lodgement of your claim.

  • What Do I Do In The Case Of A Theft?
  • A theft while you’re away is incredibly unsettling, but to substantiate your claim, you’ll need to report the theft to the police or nearest local authority within 24 hours of the incident and obtain a written report that can to be used as supporting documents.

    Make sure that the police report you obtain is an official one, and that all the items that have been stolen are clearly detailed. You’ll also need to capture the circumstances surrounding the event. Remember, the more information on the report, the better.

    When you submit your claim, you’ll also need to provide proof of purchase and/or ownership in relation to the stolen items.

  • What Sports And Activities Are Covered Under your Policies?
  • We provide cover for a whole heap of sports and activities from abseiling to zorbing, automatically without any additional premium. Check out our activities page for more details. If you’re hitting the slopes for an adventure in the snow you will need to pay an additional premium for our Winter Sports Pack.

  • do you cover pre-existing medical conditions?
  • We have a whole list of pre-existing medical conditions that we automatically cover under our policies without assessment or additional charge, provided you meet some conditions. Find out what you need to know here.

  • What is car rental excess?
  • If your rental car is damaged or stolen while you're on holiday, you could be up for some serious costs because of rental car excess. We cover you automatically under most of our policies. Find out what you need to know here. 

 

Why Choose 1Cover Travel Insurance?

Trusted by 2 Million customers

Since 2003, we've provided travel insurance to more than 2 million happy customers. 

Award winning
Insurance 

We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance.

Legendary
Customer Service

Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out.

/emergency-contacts/

24/7 emergency Assistance

Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in world.   

 

Pre-Existing
Medical Cover

We have a robust medical screening process to cover many medical conditions.  We  automatically cover 35 conditions for free.

 

Fast Claims
Service 

Use our fast and innovative online claims form to get your claims paid quickly. 

  

 

 

Awarded Exceptional
Quality Travel Insurance

We’re proud to be recognised and awarded for our quality products and services that we provide to our customers.

see our awards

 

 

 

If You Only Do One Thing...

 

Our feature travel writer Ben Groundwater gives his tips so you don't miss out on the One thing you must do on your holidays.

The One Thing You Should & Shouldn't Do In New zealand

Milford Sound, Lake Wanaka - sure.
How about our other ideas. 

The One Thing You Should & Shouldn't Do In Sri Lanka

Exotic beaches resorts, tea production yes...but don't head to Sri Lanka without reading our tips. 

The One Thing You Should & Shouldn't Do In the USA

The Big Apple, Hollywood...or not. Maybe you'll be surprised what we suggest to do on your USA adventure.

 

 

 

It could happen to you

Each year hundreds of young Australian's are injured or worse from motorbike and scooter related incidents overseas.

1Cover customer Jordon Hunt knows this all too well. On the last day of her Balinese holiday she got on the back of a scooter and the next thing she remembers is a four-wheel drive coming straight towards her at 70 km/h.

Waking up in hospital she had broken her leg and was going to require emergency surgery.

Luckily for Jordon she was covered by 1Cover. Her expenses came to more than $48,000, but her travel insurance policy only cost her $70.

watch jordan's story

 

jordon hunt travel insurance case study

 

need to make a claim?

 

​ 

Travellers often ask...

what Is travel Insurance?


You never know what can happen on your holidays so protect yourself against the risks and financial losses while you travel with insurance. Travel insurance gives you peace of mind from unexpected trip cancellation, medical emergencies, lost or stolen baggage or travel delays, and a wide range of unexpected events and expenses.  

Why you need it?

 

You’ve booked your flights, you’ve packed your bags...but have you bought travel insurance? If you're leaving Australia, travel insurance is just as essential as a passport. Medical expenses are the number one reason to get insurance, believe us when we say the cost of medical treatment overseas really can be eye watering. Just take a look at some of our case studies to understand. What’s more things can often go wrong like travel delays, lost luggage or even the big stuff like natural disasters and pandemics. So listen to Smarttraveller “If you can’t afford travel insurance, you can’t afford to travel.” 

How much should travel insurance cost?


Travel insurance policies vary in price depending on factors such as the length and destination of the trip, traveller's age and health, and the level of coverage or extras selected. On average, you can expect travel insurance to cost anywhere from 4% to 10% of the total cost of your trip. 

Which is the best travel insurance?


The best policy for you will depend on your individual needs and preferences, but there are some essentials when looking for the right cover. When researching, look out for a policy which has adequate amount of cover for your holiday - your transport, accommodation as well as any luggage items and any pre-existing conditions. Make sure you understand the exclusions when you wouldn’t be covered. And look for awards and reviews from previous customers to get an idea about customer service and claims.

 

 

Still need help? Contact us!
 

  
If you have any other questions or queries, please visit our Contact Us page.  If you are experiencing an emergency, please use the details on our Emergency Assistance page. 

 

 

 

 

 

Get a travel insurance
Quote now

GET A QUOTE