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1Cover Comprehensive

One trip policy. Underwriter: Lloyds

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CHOICE Expert Rating (%)
Members only
Cover score (%)
Members only
Price score
Members only
Medical cover score
Members only
Cancellation cover score
Members only
Additional expense cover score
Members only
Baggage cover score
Members only

Description

Policy type
One trip
Provider
Lloyds

Conditions

Policy age limit
110
Dependant age limit
18

Annual multi-trip

Annual travel duration
N/A

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
12 months

Pregnancy

Pregnancy
Pregnancy stage covered
24
Childbirth costs

Medical

Medical expenses
Unlimited
Expenses for a person to accompany a sick policyholder
$50,000.00
Daily hospital cash allowance
$50.00
Hours of hospitalisation before you receive the daily hospital cash allowance
48
Dental expenses for accident or injury
$2,000.00
Dental expenses for acute pain
$2,000.00
Overseas funeral costs
$25,000.00

Additional expenses

Additional travel expenses for injury or sickness
$50,000.00
Additional expenses for interrupted travel
$50,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for a sick relative
Additional expenses for resumption of journey interrupted for a relative
$0.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
Cover chosen
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$15,000.00
Item limit
$750.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$1,000.00
Prescribed medications
$750.00
Baggage in a car during the day
$2,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$2,000.00
Lost or stolen cash
$250.00
Baggage lost temporarily
$500.00
Hours before cover applies for baggage lost temporarily
12

Special event

Additional expenses for a special event
$2,000.00
Additional expenses for pre-paid travel arrangements
$2,000.00

Travel delay

Travel delay expenses
$2,000.00
Hours before travel delay covered
6
Limit per 24 hours for travel delay
$200.00

Car rental

Rental car excess
Optional
Limit for rental car excess
$10,000.00

Activities

Mopeds and motorcycles
1
Snow sports
  • Optional cover for snow sports on-piste, or off-piste within snow resort boundaries
  • Off-piste outside snow resort boundaries excluded
Scuba diving
1
Abseiling
Optional
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
Optional
White water rafting

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Includes cancellation and additional expenses for transport accident
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical and additional expenses if the policy holder contracts COVID-19
  • Cancellation expenses up to the cancellation cover limit if the policy holder or a close relative contracts COVID-19
  • Excludes cancellation expenses if a close relative contracts COVID-19
Pandemic
No (excludes claims for pandemics other than COVID-19)
Natural disaster
1
Civil unrest
1
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
Unlimited
Cancellation
Yes Cover chosen
Baggage
Yes 15000
Cruises
Optional

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