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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.

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.

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.

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.

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. 

Yes, if your policy hasn’t yet expired, you can extend your policy via the Policy Manager. If you log in and aren’t able to extend for some reason, you can get in contact with our friendly call centre.

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.

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.

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.

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.

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.