They tell you sublimits apply in a…
They tell you sublimits apply in a quote, but don't tell you what the sublimits are. They tell you to check the PDS, but don't tell you where – it's buried in the 70 page document.

1Cover Travel Insurance is a leading provider of travel insurance solutions in Australia, catering to a diverse range of travelers. The company offers various insurance products, including domestic travel insurance, annual travel insurance, cruise insurance, ski insurance, and policies specifically designed for seniors and families. 1Cover also provides coverage for long-term travel, group travel, and travelers already overseas, ensuring comprehensive options for different needs and circumstances. Targeting Australian residents who seek reliable travel protection, 1Cover emphasizes flexibility and comprehensive coverage, including benefits for lost luggage, trip cancellations, and coverage for pre-existing medical conditions. The company's user-friendly platform allows customers to compare plans easily and obtain quick quotes tailored to their travel destinations, such as Bali, New Zealand, the USA, and Europe. With a focus on providing essential travel insurance services, 1Cover aims to support travelers in safeguarding their journeys.
1Cover Travel Insurance receives a mix of feedback from its customers, highlighting both commendable service and significant concerns. Many reviewers praise the helpfulness and professionalism of staff members like Maisie, Sela, and Taylah, who provide clear guidance and prompt responses when addressing policy queries and claims.
Customers appreciate the ease of communication and the knowledge displayed by representatives, contributing to a positive experience. However, a substantial number of negative reviews express frustration with the claims process and coverage issues, with some customers reporting severe problems, such as being unable to secure flights due to overbooking. Additionally, long wait times to speak with representatives have been noted, which detracts from the overall experience.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.0 | 72 | 100% | +3.6 | ● Low |
Monthly average rating from reviews written by people · latest review Aug 2025.
| Month | Average | Reviews |
|---|---|---|
| Sep 24 | 1.0 | 4 |
| Oct 24 | 1.0 | 4 |
| Nov 24 | 1.0 | 3 |
| Dec 24 | 1.0 | 1 |
| Jan 25 | 3.7 | 3 |
| Feb 25 | 4.5 | 8 |
| Mar 25 | 1.0 | 3 |
| Apr 25 | — | 0 |
| May 25 | 1.0 | 2 |
| Jun 25 | — | 0 |
| Jul 25 | 4.5 | 20 |
| Aug 25 | 5.0 | 3 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 72 most recent reviews.
“She took the time to explain the terms and conditions and made sure I understood exactly what I was purchasing”
“My son took out 1Cover insurance for his trip of a lifetime to Europe”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Insurance.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
| 3.0 out of 5 (fair) | 100 out of 100 | 4.1 out of 5 (good) | 2.7 out of 5 (poor) | 4.2 out of 5 (good) | +53% | 72 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | 3.9 out of 5 (good) | — | 1,060 | |
| 4.9 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 5.0 out of 5 (good) | 4.9 out of 5 (good) | — | 60 |
Bottom line: 1Cover Travel Insurance is #5 of 5 on overall rating in this group. On website & app, Travel Insurance Saver scores higher (5.0 vs 2.7).
72 reviews of 1Cover Travel Insurance. Filter by what matters to you.
They tell you sublimits apply in a quote, but don't tell you what the sublimits are. They tell you to check the PDS, but don't tell you where – it's buried in the 70 page document.
I am forever indebted to 1Cover. Thank you for being there for me and my family in our darkest hours. I almost lost the love of my life and I can't speak highly enough of the responsiveness and reassurance that the 1Cover emergency team provided.
Learnt my lesson to not go for cheap tacky travel insurance.
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Polarized pattern: few middle ratings. 50% of recent reviews are 4–5★ and 49% are 1–2★.
Claim denied after my boss died and I had to get back to make sure the company continued and I still had an income. i.e. Trip cancelled for unforseen reasons beyond anyone's control. And now looking at the array of "We will not pay for" clauses I would say there's more excluded than covered.
I made a claim on our return for a cancelled leg of our trip due to weather. Our initial submission was what we thought was sufficient information. Their reply requested considerably more WITH EVIDENCE which was unreasonable. After we had supplied everything, our claim was still not processed. Make sure you keep all documentations and get it in writing from the company why the cancellation happened. After many weeks of frustration I gave up. With all the other insurance companies out there, I'd recommend going with anyone but 1Cover. I have never had a travel claim and this experience has had me rethinking travel insurance altogether. It seems 1 Cover are only interested in taking the premium. If you decide for whatever reason to incur with 1 Cover, just read the small print very, very carefully as they will not payout in the event you need them. Also they are no longer affiliated with Lloyds. Avoid them and go with literally anyone else.
My husband is 76 and our travel insurance was reasonable. We made a claim on our return for a cancelled leg of our trip due to illness. Our initial submission was what we thought was sufficient information. Their reply requested considerably more WITH EVIDENCE which was reasonable. After we had supplied everything, our claim was processed and we received the refund we expected. Make sure you keep all bookings, receipts and confirmations for possible future claims. Also, if you need to see a doctor overseas, obtain your medical report as proof of your visit. This becomes much harder back home due to privacy issues.
The customer service is terrible. I haven't even yet traveled but want to add a day onto my insurance. Cannot talk directly to a human but have to go through their website which does not allow me to alter my days even though they say I can. Have to email and they say to expect a callback. Have received two voice messages saying they have called me. I want to talk directly to someone. Very frustrating and wish I had gone elsewhere.
You never know how good insurance is until you have to make a claim! 1Cover responded to us with clear communications within their prescribed timeframe and our payout was made within 15 days. Thanks so much 1Cover.
With all the other insurance companies out there, I'd recommend going with anyone but 1cover. If you decided for whatever reason that you want to roll they dice with these guys, just read the small print very, very carefully as they will not payout in the event you need them. Avoid em and go with literally anyone else.
Had an extremely distressed time after my connecting flight was delayed causing me to miss my end route flight. 1 cover was easy to get through to when they eventually could not get my luggage i needed for the wedding i was attending. They were quick at reimbursing funds and told us exactly what we needed for the claim. No fuss!
1Cover Travel Insurance is a leading provider of travel insurance solutions in Australia, catering to a diverse range of travelers. The company offers various insurance products, including domestic travel insurance, annual travel insurance, cruise insurance, ski insurance, and policies specifically designed for seniors and families. 1Cover also provides coverage for long-term travel, group travel, and travelers already overseas, ensuring comprehensive options for different needs and circumstances. Targeting Australian residents who seek reliable travel protection, 1Cover emphasizes flexibility and comprehensive coverage, including benefits for lost luggage, trip cancellations, and coverage for pre-existing medical conditions. The company's user-friendly platform allows customers to compare plans easily and obtain quick quotes tailored to their travel destinations, such as Bali, New Zealand, the USA, and Europe. With a focus on providing essential travel insurance services, 1Cover aims to support travelers in safeguarding their journeys.
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