1Cover Travel Insurance

1Cover Travel Insurance is underwritten by Allianz, the largest Underwriter of Travel Insurance in Australia and is the worlds third largest Insurance Company.
Travel insurances can usually be arranged at the time of booking of a trip to cover exactly the duration of that trip or a more extensive, continuous insurance can be purchased from (most often) insurance companies or banks, which covers all travelling during the period for which the insurance was obtained.

The most common costs that are covered by travel insurances are:

• trip cancellation
• trip interruption
• travel delay
• baggage and personal effects
• baggage delay
• emergency evacuation
• travellers assistance
• medical expense

Promotions

It's not always that you get rewarded for buying insurance. Currently we have two promotions running in relation to purchasing certain Travel Insurance policies. From time to time we have more rewards available to our customers so make sure you check this page out next time you are back here. For further details see below.

Free Footprints Travel Guide

It's easy. With every full 12 month policy (sorry, that's not an Annual Multi Trip or Frequent Traveller) you receive a free Footprints Travel Guide of your choice, retailing at up to $50.

Currently, you can select from the 8 different guides to chose from. Click here to view the guides that are available.

Receive a $10 Sanity Music Vouchers

As a valued customer of 1Cover we would like to offer you the chance to receive a Sanity Music Voucher for $10 by recommending us to a friend, family member, work colleague, lover or even someone maybe even someone you don't like.

Featured Firm: Travel Insurance Direct

(sourced from their website)

Travel Insurance Direct Pty Ltd is about making it easier, better, faster and less expensive. We are 100% Australian owned and use Australian technological ingenuity to deliver online travel insurance at a lower cost and with better service.

Our 24/7 call centre is based in North Sydney. Simply call 1300 843 843 anytime day or night.

Our insurance is underwritten by Allianz Australia Insurance Limited, one of the world's largest and most secure insurers, and are supported 24/7 by the specialist travel assistance provider Mondial Assistance, part of the worldwide group with no fewer than 35 emergency centres in 28 countries.

Their dedicated provider network of highly qualified and experienced people includes nurses, doctors, and lawyers, and they also have partnerships with many airlines, medical clinics, hospitals, and credit card companies so they can offer you assistance where and when you need it.

Reviews from Product Review Website

October 3rd, 2009

Pros: the price was great the site easy to navigate, and an instant policy sent out, backed by an email. just great

Cons: cons

Overall: doubt if any insurer will beat you for price , cover, and ease of ordering, so thanks for making it easy for me

September 25th, 2009

Pros: Insurance when you are travelling for 3 months can be very expensive. I find TID and Allianz is very reasonable and gives me good coverage on likely contingencies

Cons: Buying my policy was easy but I have not tested the claiming procedure yet. So far I do not have any Cons to comment on

Overall: After getting quotes from several travel insurance providers I was delighted to find a policy that would cover my age group and still be at a budget price. I can now relax knowing that I am protected for any losses if my holiday goes wrong.

September 25th, 2009

Pros: We were the only people in our tour group whose insurance covered strikes and civil unrest. Consequently we were reimbursed for out of pocket expenses while others who paid much more for their insurance were left out of pocket.

Cons: None

Overall: We have purchased CoverMore insurance a number of times but on our recent trip to South America we decided to use your TID instead. It was the first time we have had to make a claim and we were very pleased with the service we received. I am travelling again shortly and will certainly be using TID. I will not hesitate to recommend TID to anyone who is travelling.

September 25th, 2009

Pros: Simple to use website and at the right price. Policy is compact, easy to understand. Allianz back up is reassuring.

Cons: No emergency contact in Japan

Overall: I will definitely be using Travel Insurance Direct next time I travel. Luckily we didn't need to claim but I felt confident given their excellent customer service.

September 23rd, 2009

Pros: A cheap price isn't quite so important when your Travel Insurance is only as good as the help you get when you are in trouble overseas. Mind you, TID was still the best value of any I compared.

Cons: None

Overall: Absolutely amazing when things went wrong for me and my family - cannot recommend them highly highly enough. They delivered when we absolutely needed it!

September 20th, 2009

Pros: Easy to purchase online

Cons: Slow processing of claim. My son left his Ipod on the airplane on the way to the States. When trying to claim when he got back to Australia, the claim was delayed several times by them requesting "additional information" which required him to call the US to again check if his Ipod had been handed in. After waiting over two months, he claim was finally settled for the grand total of $39. This for an Ipod and head phones which cost him over $400. Depreciation over two years: 60%. Didn't even cover the cost of the policy. Lesson here for him, it was not worth his while to even purchase the insurance.

Overall: Has to better plans out there. Ensure you read the fine print. Was told the whole claim process would be easy, but overall, was not worth the effort.

September 10th, 2009

Pros: Paid my 1000 Euro accident excess no worries!!

Cons: Not a dislike, but make sure you collect all the correect documents for your claim!!

Overall: Real easy to use, and by far the cheapest for our age of 55. After being a bit concerned about insuring online, they paid no problems! why pay more elsewhere??

September 9th, 2009

Pros: Twenty six countries down and the rest of the world to see, and I've only ever used Travel Insurance Direct. The coverage is comprehensive, it's underwritten by Allianz so you know you're not dealing with a fly-by-night operator, and the premiums are the most competitive out there!

Cons: Always having to answer questions from fellow travellers (who usually just go with whatever product Flight Centre flogs to them) about whether you can "trust" an online purveyor of insurance.

Overall: I'm a firm believer in the maxim that if you can't afford travel insurance, you can't afford to travel. I'm also a firm believer in getting the best bang for your buck. With Travel Insurance Direct, you can have both - and walk through train stations in Naples, drive the Swiss Alps and boat on Halong Bay in Vietnam without fear!

September 4th, 2009

Pros: great value for money, instant quote, easy to navigate

Cons: nil

Overall: This is a quick and easy way to get insured, the site is so easy to navigate and understand that there is no need to speak to a consultant, offering more information on cover then any other site I looked into.

Featured Firm: GIO Travel Insurance (sourced from their website)

A GIO Holiday Travel Insurance policy or a GIO Business Travel Insurance policy helps to cover you for the things that really matter, like medical expenses, personal baggage and cancellation charges, leaving you free to enjoy your trip.

Our Holiday Travel Insurance policy provides cover for a single trip and our Business Travel Insurance policy provides an annual cover. Both policies give you the option of covering yourself, as well as the family.

Key features of GIO Holiday Travel Insurance cover*
Feature Description
Unlimited overseas medical and dental expenses The policy provides cover for reasonable medical expenses and dental expenses arising from an injury incurred outside Australia.
Unlimited cancellation charges The policy provides cover for your reasonable travel and accommodation expenses if your journey is cancelled for unforeseen circumstances outside of your control, if you have already paid for the expenses and you can’t recover them from anyone else.
Cash paid while in hospital The policy will pay a cash allowance of $100 per day, up to a maximum of $6,000 for a single policy or up to $12,000 for a family policy, if you are in an overseas hospital for more than 48 hours.
Personal baggage and travel documents The policy provides cover for loss or damage to your personal baggage, clothing or personal effects of up to $6,000 for a single policy or up to $12,000 for a family policy.
Personal Liability The policy will cover your personal legal liability up to $5 million.

Travel Insurance - Tips from AFTA

Don't leave photographic equipment, mobile phones, personal computers or other valuables unattended, or in a vehicle at any time. Rental cars in particular are clear targets for thieves.

Prepare physically for your trip.
If you are heading for a high altitude destination, some exercise is called for. Even carrying heavy luggage can be a problem if you are not accustomed to this type of exertion. Take particular care, especially if you are elderly or have a medical condition and may be affected by a stressful schedule or a change in diet. Delayed or rescheduled flights can disrupt holiday plans. Reconfirm travel arrangements well in advance to ensure that you don't miss your flight, or to utilise any extra time allowed.

Can you prove what you purchased?
Your travel insurance cover starts as soon as you leave home for your journey. Make sure you keep proof of ownership of any goods purchased, such as a duty free camera, and keep the receipt separate from the goods. This will make any claim much easier to document and make it easier for the insurance company to pay your claim. Remember you will need to prove any claim against your Travel Insurance Policy. In most cases this will mean showing how and/or why a disrupting event occurred and being able to supply verification of the value of the claim.

Travel insurers require "reasonable" proof of loss and of the events leading up to them. So if your camera is lost or stolen in a small village in the Pyrenees you must report the loss to the local police and obtain a police report. It is much easier to get this report at the time rather than waiting until you return to Australia.

It is up to you to look after your belongings. Insurance companies will not cover loss where travellers have not taken "responsible" steps to protect their property. For example when you are making a telephone call from an airport or railway station, make sure your baggage is beside you and is in sight at all times.

Key features of GIO Business Travel Insurance cover*
In addition to the features provided in the GIO Holiday Travel Insurance policy, the Business Travel Insurance policy also offers:

Feature Description
Annual renewable multi-trip policy The policy provides cover for an unlimited number of trips per year, with a maximum of 90 days per trip.
Loss of income The policy provides cover up to $1,000 per month to a maximum of $10,000, for loss of income if you are injured during your journey and are unable to perform your normal work in Australia. This limit is increased up to $1,500 per month to a maximum of $15,000 for a family policy.
Hire car excess The policy provides cover for loss or damage to your personal baggage, clothing or personal effects of up to $8,000 for a single policy and up to $15,000 for a family policy.
Personal baggage and travel documents Reasonable travel expenses for a substitute person to complete your business (up to $10,000 for a single policy, or up to $20,000 for a family policy) if you suffer an injury or illness on your journey.