Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
We are going to need certain documents and evidence from you. But don't worry, we've kept it simple, and we only ask for documents that we need.
Select the scenario you're claiming for and we'll tell you what documents are required.
If you were injured or became ill overseas and have medical or hospital expenses to be reimbursed, there will be some specific documents that you will need to provide.
Medical & Dental documents you'll need include:
Whilst the type of claim will determine some specific supporting documents, there are some standard requirements applicable to all claims.
General documents required to support your claim:
Try to obtain as much documentation as possible at the time of the event, as it can be difficult to obtain some documents once you return to Australia.
If your trip was cancelled due to a natural disaster, bad weather, medical event or family emergency we will require some evidence from you. The documents you'll need are:
General documents required to support your claim:
Most insurers won’t cover you if you want to cancel a trip simply because you changed your mind. If you are affected by a flight cancellation that is within the airline's control such as technical, mechanical, operational or engineering, you should contact the airline to try and resolve the issue.
If you have additional accommodation or travel expenses due to re-arranging your trip The documents you'll need are:
General documents required to support your claim:
Where you have a claim for additional accommodation and non-refundable pre-paid accommodation costs for the same period, we will pay the higher of the two costs, not both. You should try to minimise expenses where possible and keep extra expenses such as food, accommodation and transport at the same standard as the rest of your trip.
The documents you'll need are:
General documents required to support your claim:
We understand that you might not be able to produce receipts for every item, particular ones that are years old, but you should be able to provide evidence of ownership. For example, you could contact the merchant or provide bank or credit card statements.
The documents you'll need are:
General documents required to support your claim:
If your belongings are stolen during daylight hours from your locked rental car and you have complied with the conditions of cover the Luggage and Personal Effects benefit provides cover up to $200 for each item and a maximum of $2,000 in total for all stolen items.
The documents you'll need are:
General documents required to support your claim:
The fastest way for your claim to be assessed is by using the Online Claims Form. It only takes a few minutes and the information immediately appears on our systems.
You can also lodge a claim by post, however, this may add unnecessary delays to your assessment. A downloadable Claims Form is available and you can post it to PO Box 6798, Baulkham Hills, NSW 2153.
You can also email the team.
If you're currently overseas with a medical emergency, then please call our 24/7 assistance team who can help.
Once all the necessary documentation has been provided, your claim will be processed within 10 business days.
Please note: To help us process your claim quickly, please provide all the necessary documents. If any documents are missing, we will contact you within 10 business days to request them. We are unable to assess claims without all the required documentation. For each type of claim, we outline exactly what kind of documentation we need in our claims form.
To speed up the assessment of your claim, please provide all the required documents when you lodge it. However, you can still submit your claim now and send any missing documents later.
Once your claim has been lodged, you can provide additional documentation by logging into 'Policy manager' . It is the fastest way to provide us with any additional documentation you need to submit. You can also provide additional documentation by emailing [email protected], including the Claim Number in the subject field. We will then be in touch within 10 business days with an update on your claim.
You can check the status of your claim by logging into our Policy Manager. In most cases, you'll also receive an email from our team with an update or an outcome. Please note, we need all required documents to formally assess your claim and provide an outcome.
We follow the General Insurance Code of Practice and will update you within 10 business days. Remember, business days are Monday to Friday, so if you contact us over the weekend, it might take a bit longer.
If your flight is delayed or cancelled, please contact the airline first to explore alternative arrangements or possible compensation. Keep any documentation or receipts for out-of-pocket expenses, as these may be needed for a claim.
While we don't cover cancellations, delays, or rescheduling caused by the airline, we do cover additional accommodation and travel expenses in unforeseen circumstances like natural disasters or strikes. For more details, please refer to our travel insurance and cancellation cover. information.
We are unable to cover for items items that were lost by airlines and other transport carriers. We do not cover for any loss or damage to items jewellery, mobile phones, tablets, cameras, video cameras, personal computers, computer equipment or their accessories after you have checked them into the hold and until you have collected them again from the luggage conveyor as the transport is at fault for their loss or damage and you should seek compensation from them. See more information on our travel insurance and luggage cover.
1Cover offers overseas medical coverage if you test positive for Coronavirus (COVID-19) and require medical treatment while overseas. However, at this time we do not cover any cancellation costs or additional costs incurred because of Coronavirus (COVID-19). See more information is our Covid Information Hub.
If you are in control of a motorcycle or scooter with an engine capacity greater than 125cc, you need to hold a current, valid Australian motorcycle license.
You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid license for the country you are in.
Please note that it's compulsory to wear a helmet while riding a motorbike or scooter in many countries. But regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike. Please read the PDS. for full terms.
If your cruise has been affected and you need to claim for missed ports, please use our online claim form. Select the benefit type "Other" when submitting your claim. You'll need to provide a copy of your itinerary and a letter from the cruise ship specifying the missed ports and the reasons. Please note: The missed ports benefit is $250 per missed port, per adult listed on the policy. The total benefit limit is $750 per adult. A $200 excess applies.
In an emergency, please call the local emergency services immediately. For example, call an ambulance or go to the nearest hospital or medical facility. If you are assaulted or robbed, contact the local police. After ensuring your immediate safety, contact our emergency services as soon as possible. Our team of experienced doctors, nurses, travel consultants, and case managers are available 24/7 to assist you. Our multilingual experts can communicate with the medical facility treating you and assess your situation. If necessary, we can arrange for you to be transported to a more suitable hospital or in some cases repatriated back to Australia. Throughout this process, we will monitor your condition and (with your permission), keep your family updated.
If your personal effects or luggage are damaged, lost, or stolen, please report the incident to the relevant authority (police, hotel, airline, cruise company, tour guide, etc.) within 24 hours and obtain a copy of the report. For minor ailments requiring a GP visit, you can see a doctor, pay for the visit, and submit a claim at your convenience, either from overseas or once you return home. The same applies if you've incurred hospital or medical costs under $1,000 and have not received treatment in the USA. If you no longer need further assistance, you can pay and submit your claim, preferably within 30 days of your return.
If you suffer an illness or injury that requires emergency transportation, hospitalisation, or repatriation, or if the treatment is likely to cost more than A$1,000, please contact us as soon as possible. You should reach out to us if:
• You or a travel companion are seriously ill or injured. • You are overseas and need help with a medical bill or require a payment guarantee. • You are being treated as a hospital outpatient and the total cost will exceed $1,000. • You are receiving medical treatment in the USA (regardless of the cost). • You have been involved in a motor vehicle accident. • You are experiencing a family emergency. • You have been robbed or assaulted and need assistance. • You are dealing with lost or stolen passports. • You feel that you are in a vulnerable position and would like to speak with someone.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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