In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
If you are driving a motorcycle greater than 50cc, you need to hold a current Australian motorcycle licence and to be riding legally in the country you are travelling in.
Being intoxicated is a general exclusion under the 1Cover policy wording and you will not be covered.
Once you are back in Australia we are unable to cover any domestic medical expenses.
We only insure humans who are travelling, but we do have other provisions relating to pets.
If you are involved in an accident whilst cycling, we advise that you or a member of your travelling party call our medical assistance team as soon as possible.
If something happens to your teeth overseas, you are covered for dental expenses up to an applicable limit, under our Comprehensive and Frequent Traveller policy if something happens to your teeth overseas.
If you already have a Comprehensive, Frequent Traveller, or Already Overseas policy, and you suffer an unforeseen injury which prevents you from travelling, you may have a provision to claim.
Personal liability is one of the benefits we have that cover your legal liability for payment of compensation in respect of death or bodily injury, and/or physical loss of, or damage to property.
Anaphylaxis is not a condition that is on our automatically covered list.
Travel insurance provides cover for weather events as long as they are unforeseen.
If your policy includes family emergency as a provision, and a relative becomes hospitalised or passes away, you may be able to claim.
We provide cover for a huge range of sports and activities at no extra cost. You can find the full list here.
When you apply for the policy you need to tell us where you are travelling to. The premium you pay for your policy depends on your destination/s.
You can view a list of all the activities covered under your 1Cover policy here.
Scuba diving is an activity we cover,providing you are diving under a licensed instructor or you hold an open water diving licence recognised in Australia.
We aren't able to provide coverage for luggage and personal belongings that are classed as unattended and unsupervised.
We advise keeping valuable items in a locked compartment which only you have access to or to keep it on your person at all times.
Policy Manager 
Fiji Insurance
Car Hire Excess Guide