1cover Reviews

A Regrettable Decision to Insure with 1Cover

You take out insurance for peace of mind hoping never to use it but hoping if you do the insurance company will be fair and reasonable 1Cover were not We had to cancel our trip due to my wife having a serious accident They initially accepted our claim however after that point the whole experience was a long drawn out and very frustrating 1Cover seem to set out to make the process as difficult as possible It took nearly two months and many many emails to settle matters No-one answers their phone or returns your call You ask them to call and discuss matters and they won t There s just an anonymous email exchange from agents that seems to push back on not paying legitimate claims where costs were non-refundable and supported by receipts and documented evidence It seemed clear they were intent on finding any reason not to pay out on our full claim and hope you would just accept a partial payout Would not recommend and will never use them again

1cover will use small print to avoid paying out

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

AVOID Scum bags

AVOID Had to return home urgently due to a medical reason and only claimed for accommodation losses as I was in pain and couldn t deal with claiming everything else They gave me a run around for 7 weeks continually asking for extra information I had to go to the doctor on 3 different occasions at 85 per visit just to get a new piece of information each time They finally approved the claim and halved the amount because the booking made for 2 people even though it was only me staying When booking through booking com I enter 1 person and it always puts the booking through as 2 1cover are absolute scum and I will never be using them again after 15 years of only using them

Terrible Insurance company

Save yourself a lot of time and stress when traveling and get cover through Southern Cross who are so much easier to deal with

Read the policy carefully

Read the policy carefully there are many exclusions When I had my debit cards cloned and lost money on two accounts 1insure refused my claim because the cards were debit not credit go figure

Do Not Use - from an Immigrant

If you are an immigrant i e have families or relatives outside of NZ and AU - please DO NOT use 1 Cover if there is a family emergency back in your home country or you need to stop your travel to go to another country for the said emergency - your travel insurance will not cover for any costs arising from cancellation of your holiday It is really bad no matter how closely you are related to someone or whatever the said incident accident is - you are not covered

DO NOT GET TRAVEL INSURANCE FROM 1COVER

DO NOT GET TRAVEL INSURANCE FROM 1COVERI wouldn t take out travel insurance with 1Cover even if i needed to travel across the street Should have read their shocking reviews before wasting my money My recent claim for my lost phone was denied one of the reasons was that I could not provide a picture of the phones last known location on the Find My Phone app Vietnam was its last known location but that s not good enough apparently Avoid at all costs unless you wish to waste your money

PDS FULL of loopholes

PDS FULL of loopholes Used them consistently for five years and the first time I need to make a claim it was denied I probably should ve read the public disclosure statement earlier and realized that is heavily designed towards claim denial

BONAFIDE DAMAGED BAGGAGE CLAIM REFUSED

My wife and I travelled to Canada and upon returning to Perth WA both our suitcases were badly damaged 1 Cover refused an assessment based on no receipt for the 2 year old suitcases They are a terrible company and their system you have to use to make a claim is almost impossible to use They make it so VERY VERY difficult on purpose so that you give up trying 1 Cover deserve a 0 STAR - NOT 1