1Cover Travel Insurance Questions & Answers (page 2 of 17)

Hi Anthony,
Thank you for your query. In relation to Winter Sports Equipment Hire, this section covers the hire amount if your own winter sports equipment has been damaged or stolen. In regards to Winter Sports Equipment Excess, this refers to damage or if your hire equipment has been stolen and you are charged the excess, we will cover this cost. Hope this helps. If you have any further queries, please email [email protected] Regards, Helen

Hi Maria,
Yes, Paulh3 is correct, there is a general exclusion on Pandemics and Epidemics, therefore no cover for the Coronavirus, however this is not unique to 1Cover and you will find that most travel insurers have the same exclusion. Regards, Helen

Hi Daniel,
Yes our policies qualify travellers with a Schengen Visa however you must be an Australian Resident to purchase our policy. Further information regarding this can be located via this link: https://www.1cover.com.au/faqs/general/who-can-buy-policy/
Regards, Helen

Hello Caro,
Thank you for your query. Unfortunately epidemics and pandemics are a general exclusion on our policies, therefore no cover for the coronavirus, however we strongly recommend that should you become ill whilst overseas, please contact our Emergency Team that can assist you and guide you for your best options. If you have any further queries, please contact our customer service centre on 1300 192 021 or you can email the team on [email protected]
Regards, Helen

I understand, this is an unfortunate event that is certainly affecting everyone in the world.

Hello Mick,
We provide rental vehicle excess up to $5000 for motorhomes that are less than 4.5 tonnes. If you have any further queries, or require assistance, please forward an email to [email protected]
Regards, Helen

Hello Monica,
If your medical expenses are more than $1000, then we liaise with the medical team and take care of the costs for you. Under $1000, you need to pay upfront and lodge a claim once you return. If you have any other queries, please email your queries to [email protected] Regards, Helen

Hi Jacqui, thanks for getting in contact! We don't have any specific general exclusions for going to school overseas. Provided your daughter isn't engaging in any sort of manual work she may still have provisions to claim if she became sick or injured herself. Please refer to our PDS for our full terms and conditions:https://www.1cover.com.au/assets/1Cover-AU-Standard-PDS_20190710.pdf/ and please do not hesitate to get in contact if you need any further assistance. Kind Regards, Sophie, Customer Service.

Hi Barry, if Hong Kong is the only country listed in your policy then that's the only country we can cover. Please send us an email or give us a call if you'd like to add any additional countries to your policy. You can email us on [email protected] and call us on 1300 192 021.

Hi Georgi,

1) If your flight was cancelled due to weather, which is a claimable event with us, you may have provisions to claim under Cancellation Fees and Lost Deposits. However if your flight was delayed for over 6 hours, you may have provisions to claim under Disruption of Journey for the additional accommodation and travel expenses occurred due to that delay.

2) Sea Kayaking is included in our list of Automatically covered activities. Please see that list here: https://www.1cover.com.au/adventure-travel-insurance/

Please do not hesitate to get in contact with us if you require any further clarification.

Hi David! Our Medical Only policy covers unlimited medical and that includes medical evacuation to the nearest hospital or back to Australia if necessary. Please refer to our PDS for our full terms and conditions:https://www.1cover.com.au/assets/1Cover-AU-Standard-PDS_20190710.pdf/

Hi Michelle! If you are currently overseas, the only policy we can offer is the Already Overseas policy. The Already Overseas cover is appropriate for Australia residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left Australia or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

- You are aged 64 or under; and
- You have a permanent residential address in Australia and will be returning to resume residence in Australia at the end of your journey; and
- You intend to return to Australia on the date your policy ends; and
- You purchase your policy within 30 days from either the date you departed Australia; or the expiry of any other travel insurance policy; and
- Your period of overseas travel does not exceed 15 consecutive months in total from the date you originally departed Australia;
- Please note there is a 72 hour waiting period from the start date of the policy for any benefit to be valid

Please note:

For this cover "journey" means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in Australia.
- Journeys can be up to a maximum of 90 days.
- Purchasing an Already Overseas policy is limited to one journey every 12 months.
- No pre-existing conditions will be covered under this policy unless it's an automatically covered condition with 1Cover and you meet the criteria on page 61 of our PDS

Please contact our Call Centre on 1300 192 021 if you have any further questions or would like a quote.

Let me know if I can assist you any further.

Hi there! If you are currently overseas, the only policy we can offer is the Already Overseas policy. The Already Overseas cover is appropriate for Australia residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left Australia or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

- You are aged 64 or under; and
- You have a permanent residential address in Australia and will be returning to resume residence in Australia at the end of your journey; and
- You intend to return to Australia on the date your policy ends; and
- You purchase your policy within 30 days from either the date you departed Australia; or the expiry of any other travel insurance policy; and
- Your period of overseas travel does not exceed 15 consecutive months in total from the date you originally departed Australia;
- Please note there is a 72 hour waiting period from the start date of the policy for any benefit to be valid

Please note:

For this cover "journey" means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in Australia.
- Journeys can be up to a maximum of 90 days.
- Purchasing an Already Overseas policy is limited to one journey every 12 months.
- No pre-existing conditions will be covered under this policy unless it's an automatically covered condition with 1Cover and you meet the criteria on page 61 of our PDS

Please contact our Call Centre on 1300 192 021 if you have any further questions or would like a quote.

Let me know if I can assist you any further.

Hello Ann,
Firstly go to our quote page www.1cover.com.au. Enter all the countries you intend on visiting, including where the cruise will stop at. Enter your travel dates and ages and click Next Step. At this point, if you scroll down the page, you are then able to add the Cruise Cover option which will cover you whilst onboard the ship. If you need assistance with this quote, a friendly consultant can assist if you call the centre on 1300 192 021. Regards, Sophie.

Hi Prabesh, You can still purchase a Domestic policy which includes Car Rental Vehicle excess, however it does come with the benefit of cancellation and luggage cover. Let me know if you require further assistance. Regards, Sophie

Yes, you are covered for unlimited costs for medical expenses and assistance including medical evacuation to Australia if required. Regards, Sophie.

Hi Tom, Ideally to process the claim as quickly as possible, we recommend that the documents are already translated by a registered translator, however if you are unable to do this, we have facilities available that can action this process for us. We recommend that for any medical emergencies that you always contact our Medical Team to assess your condition and make the necessary arrangements that you require. Hope this answers your query. Regards, Sophie.

Hi Sheryl, All exclusions can be located within our PDS via this url: https://www.1cover.com.au/policydetails/
This provides all the information on when you can and cannot claim with cancellations. Regards, Sophie

Hello Paul,
You need 2 policies if you are returning home between each trip. If you are visiting Europe and India in the one journey, then you only need the 1 policy. Ensure that you enter all countries that you intend on visiting when creating your quote online. Hope this helps. Regards, Sophie

Hello Marie,
Yes you would have provisions to claim for medical expenses and assistance (including evacuation) back to Australia if the need arises. You just need to contact our Emergency Team and they will liaise with the medical team, assess your situation and make arrangements for you to come home. Hope this gives you peace of mind. Regards, Sophie

Hi Lynny,
We will cover the costs for any medical expenses that you incur over $1000. Anything less than this, you pay upfront and claim the amount once you return. Hope this assists. Regards, Sophie