1Cover travel insurance review 2026: six plans, and the gaps you fill yourself
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P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 6, 2026Expert rating 3.8 out of 5. 1Cover is an Australian travel insurance brand that has been selling online since 2003. It arranges the policy as an authorised representative of Coffre-Fort Pty Ltd, and the cover itself is underwritten by HDI Global Specialty SE, through its Australian branch. Every limit in its wording is set in Australian dollars, and only people living in Australia with a valid Medicare card or an equivalent visa and health cover can buy it. The headline is strong: overseas emergency medical and hospital expenses are unlimited on the Comprehensive, Overseas Frequent Traveller, Medical Only and Already Overseas plans, and personal liability runs to A$5,000,000 on every plan. The catch is the shape of the policy around it. Cancellation is a limit you choose and pay for, the sports you are covered for are a closed list, and search and rescue is excluded outright. Best for an Australian traveler who wants a large medical ceiling from a low-cost online brand and will read the add-on list before clicking buy. Least suited to anyone planning a cruise, a ski week or anything above 3,500 meters without adding the matching pack.
Should you buy a 1Cover policy, or is the base cover too thin for your trip?
1Cover travel insurance earns 3.8 out of 5 from us: an unlimited overseas medical benefit and A$5,000,000 of personal liability on every plan, held back by a base policy that leaves cancellation, cruising, snow and adventure activities outside the premium you first see.
The strength is easy to state and easy to verify. Section 2 of the policy pays overseas emergency medical and hospital expenses with no dollar ceiling on four of its six plans, and the brand's assistance line is staffed 24 hours a day with toll-free numbers for Australia, the United Kingdom, New Zealand, Thailand, Indonesia and the United States and Canada. For a household budget, that is the expensive risk covered: a hospital admission overseas is the claim that ruins people, and 1Cover does not cap it.
The weakness is the shape of everything else. Pre-Departure Cancellation and On Trip Cancellation are both shown in the benefits table as a "Chosen Limit", which means you decide the figure and pay for it; pick nothing and there is nothing to claim against. General exclusions 23, 24 and 25 remove optional sports, cruising and winter sports from the policy unless you have bought the matching pack and it is printed on your certificate of insurance. And the exclusion most readers never see coming sits in section 2 itself: any claim arising from search and rescue is not paid, on any plan.
Who it suits: an Australian resident taking an ordinary overseas holiday, who wants the medical ceiling gone as a worry and is happy to add packs deliberately. Who should look elsewhere: anyone aged 70 or over who needs a plan other than Comprehensive or Domestic, anyone already traveling who did not buy within five days of leaving, and anyone whose trip is built around an activity that is not on the automatically included list.
- Unlimited overseas emergency medical and hospital expenses: On the Comprehensive, Overseas Frequent Traveller, Medical Only and Already Overseas plans, with no dollar ceiling in the benefits table.
- A$5,000,000 of personal liability on every plan: Including Domestic and Medical Only, which is unusually generous for a budget online brand.
- An honest, readable benefits table: Six plans side by side, with the sub-limits for laptops, phones and jewelry printed rather than buried.
- You choose your own excess: The excess is selected at quote time and shown on your certificate of insurance, so you can trade premium against risk yourself.
- A real 14-day cooling-off period with a full refund: Provided the journey has not started and you have not claimed, the whole premium comes back.
- Cancellation is not included, it is a limit you buy: Sections 12 and 14 both read "Chosen Limit" in the benefits table, so a policy bought without one refunds nothing.
- Search and rescue is excluded outright: Section 2 states plainly that it will not pay any claims arising from search and rescue, whatever plan you hold.
- Unlimited medical has a 12-month clock: The cover applies to expenses incurred within 12 months after the illness first showed itself or the injury happened.
- Sports cover is a closed list, not a general promise: Exclusion 22(e) removes any activity not named in the automatically included list or in a pack you have paid for.
- Four of the six plans stop at age 69: Only Comprehensive and Domestic are sold to travelers of all ages; the rest are capped.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and coverage actually offered in your country, not a single guide translated. For this page we read 1Cover's own Australian policy wording in full and priced our own shelf separately, and we say which of the two a number comes from every time.
Learn moreWhich 1Cover plan can you actually buy at your age?
Two of 1Cover's six plans are open to travelers of all ages, Comprehensive and Domestic; the other four stop at 69. That single line decides more purchases than any benefit limit, because a 71-year-old looking at the Medical Only plan or the Overseas Frequent Traveller annual policy cannot buy either one.
Plan | Who it is written for | Age limit | The condition that catches people |
|---|---|---|---|
Comprehensive Single trip, overseas | An ordinary overseas holiday, with the full benefits list | All ages | Must be bought before you leave your departure point, and your itinerary must match the certificate |
Overseas Frequent Traveller Annual multi-trip | Unlimited overseas and domestic journeys for 12 months | 69 or under | You pick a maximum trip length of 21 or 45 days; anything longer is outside the cover |
Medical Only Single trip, overseas | Medical, dental, repatriation and liability, nothing else | 69 or under | No luggage, no cancellation, no travel delay, no hospital cash allowance |
Domestic Single trip, in Australia | Travel inside Australia | All ages | Your destination must be more than 200 km from home, or include a pre-paid overnight stay |
Domestic Frequent Traveller Annual multi-trip, in Australia | Unlimited domestic journeys for 12 months | 69 or under | No refund at all outside the 14-day cooling-off period |
Already Overseas Bought after departure | People who forgot, or whose policy expired | 69 or under | Must be bought within 5 days of departure or of the old policy expiring, and one journey per 12 months |
Two eligibility rules sit outside the table and disqualify people quietly. You are not covered at all if you do not intend to return to Australia at the end of the journey, if you are using the policy as a substitute for private health insurance while overseas, or if you hold a terminal diagnosis. And on a cruise you must name every country the ship calls at, because the policy only covers what happens in the countries printed on your certificate.
What does a 1Cover Comprehensive policy pay, benefit by benefit?
Overseas emergency medical and hospital expenses are unlimited, personal liability stops at A$5,000,000, luggage and personal effects at A$15,000, and additional accommodation and travel at A$50,000. Everything else on the Comprehensive plan sits below those four numbers, and the per-item luggage sub-limits are where most claims actually land.
Benefit | Comprehensive / Overseas Frequent Traveller | Medical Only | Domestic | Already Overseas |
|---|---|---|---|---|
Overseas emergency medical and hospital Section 2, expenses incurred within 12 months of onset | Unlimited | Unlimited | No cover | Unlimited |
Dental expenses Sudden and acute pain, sound natural teeth only | A$2,000 | A$2,000 | No cover | A$2,000 |
Hospital cash allowance After 48 continuous hours in hospital overseas | A$10,000 | No cover | No cover | A$10,000 |
Repatriation of remains | A$25,000 | A$25,000 | No cover | A$25,000 |
Permanent disability | A$25,000 | No cover | No cover | A$25,000 |
Loss of income | A$10,400 | No cover | No cover | A$10,400 |
Travel documents and transaction cards | A$5,000 | No cover | No cover | A$5,000 |
Theft of cash | A$250 | No cover | No cover | A$250 |
Luggage and personal effects | A$15,000 | No cover | A$7,500 | A$15,000 |
First item sub-limit, computers and cameras | A$3,000 | No cover | A$3,000 | A$3,000 |
First item sub-limit, phones and tablets | A$1,000 | No cover | A$1,000 | A$1,000 |
First item sub-limit, jewelry and all other items | A$750 | No cover | A$750 | A$750 |
Luggage delay expenses | A$1,000 | No cover | No cover | A$1,000 |
Pre-departure cancellation fees and lost deposits | Chosen limit | No cover | Chosen limit | No cover |
On trip cancellation fees and lost deposits | Chosen limit | No cover | Chosen limit | Chosen limit |
Additional accommodation and travel expenses | A$50,000 | No cover | A$5,000 | A$50,000 |
Travel delay expenses | A$2,000 | No cover | A$2,000 | A$2,000 |
Personal liability | A$5,000,000 | A$5,000,000 | A$5,000,000 | A$5,000,000 |
Rental vehicle insurance excess | Add-on pack only | No cover | A$5,000 | Add-on pack only |
Unlimited is unlimited in dollars, not in time: section 2 pays medical and hospital expenses incurred within 12 months after the illness first showed itself or the injury happened. If you are hospitalized, or treated as an outpatient and the bill will pass A$1,000, you or someone in your party must call the assistance service and get prior approval, or the policy will not pay what that service would not have approved. And if the assistance service decides you should fly home for treatment and you refuse, cover is limited to what returning you to Australia would have cost.
One more rule changes the arithmetic on a medical claim. The policy does not pay for private treatment where public funded care is available under a reciprocal health care agreement between Australia and the country you are in, unless 1Cover or its assistance service agreed to the private treatment in advance. Australia holds those agreements with a list of countries published by Smartraveller, and several of them are ordinary holiday destinations.
Which sports and activities fall outside the base policy?
Every activity that is not printed on 1Cover's automatically included list is excluded until you buy the matching pack: general exclusion 22(e) removes any sport or activity not named there, in the Adventure and Sports Pack or in the Winter Sports Pack. That is the opposite of how most travelers read a policy, and it is where a good claim goes wrong.
- Any winter sports activity: Exclusion 25: skiing, snowboarding and the rest are outside the policy unless the Winter Sports Pack is on your certificate.
- Any cruise of two nights or more: Exclusion 24: without the Cruise Pack, claims connected to the cruise are not paid, including the medical ones.
- Anything above 3,500 meters: Exclusion 22(b) excludes activities at altitude above 3,500 m, apart from licensed ballooning, skydiving and parachuting.
- Hunting, mountaineering, quad biking, ATV and dirt bikes: Exclusion 22(c) names all five, and no pack brings them back.
- Competition, professional sport and racing of any kind: Exclusion 22(a) applies to you and to your traveling companion.
- Expeditions on the Kokoda Track: Trekking is automatically covered up to 3,500 m where specialist climbing gear is not needed, but the Kokoda Track is written out by name.
What is automatically in is more generous than the exclusion list suggests, and worth knowing before you pay for a pack you do not need. Scuba diving is covered to a depth below 30 meters if you hold an open water license or dive with a licensed instructor. White water rafting and kayaking are covered at grades 1 to 3 on the International Scale of River Difficulty. Bungee jumping, canyon swinging, shark cage diving, jet boating, sand boarding and safari are all covered under appropriate supervision. Cycling, go-karting and horse riding are covered if you wear a helmet, and sailing up to 10 nautical miles off any land mass is in. Riding a moped or motorcycle is covered only with a helmet and a current Australian license valid for that engine size.
Which clauses sink a 1Cover travel insurance claim most often?
Twenty-five general exclusions apply to every section of the policy, and five of them account for most refused claims: pre-existing conditions you did not declare, search and rescue, epidemics and pandemics, destinations under a Do Not Travel advisory, and costs caused by quarantine, lockdown or border restrictions.
- Search and rescue, on any plan: Section 2 excludes any claim arising from search and rescue, so a mountain or ocean callout is yours to pay.
- Quarantine, lockdown and border restrictions: Exclusion 14 removes costs caused by curfews, isolation orders, mandatory quarantine or a government banning travel.
- Do Not Travel destinations: Exclusion 13 applies wherever the Department of Foreign Affairs and Trade has issued a warning at that level, unless Home Affairs has granted an exemption.
- Epidemics and pandemics: Exclusion 12 removes them, with a carve-out that keeps the Coronavirus cover the policy describes elsewhere.
- Riding without a license or a helmet: Exclusion 8 refuses the claim if you ride a motorcycle, moped or scooter unlicensed, or as a passenger without a helmet.
- Maintenance medication and routine treatment: Exclusion 16 excludes the medication and monitoring you were already on before you left, such as blood tests and prescription renewals.
- Elective and cosmetic treatment, and its complications: Exclusion 17 covers both the procedure and anything that goes wrong afterwards.
- Financial collapse of an airline, tour operator or agency: Exclusion 7 removes it entirely, which matters more than it used to.
This is the clause we would price around. A helicopter callout in a remote area is routinely invoiced in the thousands, and 1Cover excludes it on every plan, including Comprehensive. Several of the plans on our own shelf cover it as a named benefit: Go Explore + carries about US$6,840 of search and rescue costs per insured person, Go Explore and WorldSecure Platinum about US$5,700 each. If your trip involves mountains, open water or anywhere a rescue would need an aircraft, that is the line to compare, not the medical ceiling.
How does 1Cover decide whether your medical history is covered?
1Cover covers a pre-existing condition only if you declared it, completed the medical assessment, received a written endorsement and paid any extra premium. Anything you did not declare is excluded by general exclusion 9, however the claim arises.
The definition is wider than most people assume, and it works on two tests. The first is a 12-month awareness test: any condition you were aware of, or reasonably should have been aware of, in the 12 months before the certificate was issued, and for which you, a relative or a traveling companion were diagnosed, had symptoms, were prescribed medication, received or are waiting for treatment or tests, were advised to attend a follow-up, or attended a hospital or clinic. Note the relative and the traveling companion: their undeclared history can sink your cancellation claim as easily as your own.
The second test has no time limit at all. Heart and cardiovascular conditions, anything involving the brain, the lungs and respiratory system or the circulatory system, kidney disease, any physical or mental disability, any recurring illness, neck or back conditions, any type of cancer, a reduced or deficient immune system and any chronic or ongoing condition count as pre-existing if you have had them at any time in your life. 1Cover may then decline cover, limit it, exclude the condition or accept it for an additional premium.
Pregnancy follows its own clock. Serious, unexpected and new complications are covered up to the 25th week of a single pregnancy and the 20th week of a multiple pregnancy, measured from the last menstrual period or a staging ultrasound, which means you must be home before those dates. Routine antenatal care, childbirth and fertility treatment are never covered, and a conception through assisted reproduction has to be declared.
What is a 1Cover policy priced on, and what does the same trip cost here?
For the reference trip used throughout this page, one traveler aged 35 going to Indonesia for 12 days, real quotes on our own shelf ran from US$48.96 to US$83.75 for the whole trip on 5 October 2026, plus one plan quoted at a US$5.16 a day catalog rate. 1Cover publishes no equivalent figure: on 5 October 2026 neither its home page, its international travel insurance page nor its plan comparison page carried a price, only an 11% discount banner.
What the policy document does tell you is what drives its premium, and it is an unusually honest list. The cost of the policy section names your destinations, the duration of the journey, the plan you select, the amount of excess you choose, the number of people on the policy, their ages and the add-ons you select, plus government charges and taxes such as stamp duty and GST. The excess is the lever most buyers forget: you pick it at quote time, it is deducted from each accepted claim, and a double excess applies to overseas medical, on trip cancellation and additional accommodation claims that come out of winter sports. You cannot pay to remove those excesses.
What you are paying for | 1Cover Comprehensive | Best equivalent on our shelf |
|---|---|---|
A published starting price | None, quoted per trip only | US$5.16 a day catalog rate, Smart Travel Protection |
Emergency medical inside the base price | Unlimited, 12-month cap from onset | About US$570,000, Go Explore + |
Cancellation inside the base price | No, a limit you choose and pay for | Yes, up to US$40,000 of trip cost, Smart Travel Protection |
Search and rescue | Excluded on every plan | About US$6,840 per insured person, Go Explore + |
Adventure activities inside the base price | A fixed list only, the rest needs a pack | Extreme sports written in on WorldSecure Platinum |
Winter sports inside the base price | No, Winter Sports Pack or the claim is excluded | Depends on the plan, check the wording for your resort |
Multi-night cruise inside the base price | No, Cruise Pack or the claim is excluded | Depends on the plan, check the wording for your ship |
Pre-existing conditions | Assessment, written endorsement and extra premium | Accepted without a surcharge on Smart Travel Protection |
Direct payment to the hospital | Yes, through the assistance service | Yes, on all six plans quoted here |
Age the plan stops at | No limit on Comprehensive | 99 on Smart Travel Protection |
Two 1Cover figures are published and worth knowing before you buy. Canceling after the cooling-off period costs an administration fee of up to A$25 on top of the unused premium you forfeit, and a claim is paid in Australian dollars into an Australian bank account, converted at the exchange rate current on the day you incurred the expense rather than on the day you are reimbursed.
What does it take to get a 1Cover claim paid?
You have 180 days from the return date on your certificate of insurance to lodge a claim, and 1Cover commits to assessing it within 10 business days of receiving a complete file, or to telling you inside those 10 days what else it needs and how long the decision will take.
- Call the assistance service before you spend, on +61 2 8776 3010 or the toll-free line for the country you are in. Prior approval is required for any hospital admission and for outpatient treatment that will pass A$1,000.
- Lodge the claim within 180 days of your return date, through the online claim form or by email to claims@1cover.com.au.
- Send the full file at once. 1Cover may reduce what it pays if a delay or a missing document leaves it disadvantaged.
- Wait for the assessment. 1Cover answers within 10 business days of a complete claim, and gives written reasons if it declines.
- Get paid in Australian dollars, by direct credit to an Australian bank account you nominate.
- If you disagree, use the internal complaints process first, then the Australian Financial Complaints Authority, which the insurer is a member of.
Two rules decide a luggage payout before the A$15,000 headline ever applies. The first item sub-limits cap a computer or camera at A$3,000, a phone or tablet at A$1,000 and jewelry at A$750, with lower limits on subsequent items. Then depreciation is applied at a rate 1Cover determines, and the policy will not pay more than what the item originally cost. A two-year-old laptop bought for A$2,400 is therefore a few hundred dollars of claim, not A$2,400.
What do buyers say after a 1Cover claim, and how split are they?
1Cover scores 4.6 out of 5 from 272 reviews on Trustpilot's Australian site and 4.2 out of 5 from 5,192 reviews on ProductReview.com.au, both checked on 5 October 2026. The split is what matters: 73% of the Trustpilot reviews are five star and 17% are one star, with very little in between.
The positive reviews are consistent and unglamorous. Buyers praise how quickly the quote and purchase run, the price next to other Australian brands, and live chat staff who settle a question in minutes. That pattern is typical of a direct online insurer and it says something real about the buying experience.
The negative reviews cluster on claims rather than on sales. The recurring complaints are processing that stretched past two months, repeated requests for documents already supplied, and refusals grounded in an exclusion or an undeclared medical condition that the buyer had not registered at purchase. Read those as a sentiment signal, not as coverage facts: the numbers in this page's tables come from the policy wording, not from reviews. They do, though, point at the same place the wording does, which is the declaration you make before you pay.
Which plan covers what a 1Cover policy leaves to you?
The honest test is not which brand is cheaper, it is which gaps you are being asked to fill yourself. 1Cover is not part of the HelloSafe comparison, so what follows is our own shelf priced on the same reference trip, ranked by how well each plan answers the three things a 1Cover policy leaves to you: cancellation, search and rescue, and a declared medical history.
If your trip is built around an activity, read the extreme sports travel insurance comparison before you choose, and if it is built around a ship, start from the cruise travel insurance page instead. Travelers weighing an annual policy against 1Cover's Overseas Frequent Traveller plan will find the equivalents on our annual travel insurance page, and anyone whose only worry is the hospital bill can compare ceilings on the travel medical insurance page. For another Australian brand read side by side, see our Cover-More travel insurance review.
Which of these we would put in front of a 1Cover quote
Start from what 1Cover asks you to buy separately, because that is where the real difference sits. Smart Travel Protection is the answer for most readers of this page: cancellation is already inside the policy, up to US$40,000 of trip cost, a declared pre-existing condition is accepted without a surcharge or a medical assessment, and it goes on selling to travelers up to 99. It is also the cheapest of this shortlist. If the trip is remote rather than expensive, Go Explore + is the better pick: about US$570,000 of medical care, repatriation at actual cost with no ceiling to run out of, and about US$6,840 of search and rescue, which is the exact benefit 1Cover excludes on every plan. WorldSecure Platinum is the middle road when extreme sports need to be written into the policy rather than added as a pack. Two honest caveats: neither Go Explore plan refunds a canceled trip, and every ceiling here should be judged on your own dates, destination and age rather than on ours.
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Quotes captured on 5 October 2026 on hellosafe.com for the reference trip used throughout this page: one traveler aged 35, 12 days in Indonesia (9 to 21 November 2026), residence United States, no cancellation option added, in US dollars. Read the two kinds of figure differently. Smart Travel Protection shows a per-day catalog rate its partner returns unchanged whatever the age, the destination or the trip length, so treat it as a starting point and take the real premium from the quote. WorldSecure Basic, Go Explore, World Travel, WorldSecure Platinum and Go Explore + price the trip itself, so their figures are the full cost of these 12 days. 1Cover is not part of this comparison and is not sold on HelloSafe.
HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe followed by your destination and dates to compare travel insurance.
The questions people ask before buying a 1Cover policy
We rate it 3.8 out of 5. The medical side is genuinely strong, with unlimited overseas emergency medical and hospital expenses on four of the six plans and A$5,000,000 of personal liability on all of them. The reservation is everything around it: cancellation is a limit you choose and pay for, search and rescue is excluded on every plan, and sports cover is a closed list. Customers rate it 4.6 out of 5 on Trustpilot and 4.2 out of 5 on ProductReview.com.au, with claims handling the recurring complaint.
The policy is underwritten by HDI Global Specialty SE, a company registered in Germany acting through its Australian branch, HDI Global Specialty SE Australia, ABN 58 129 395 544, AFSL 458776. 1Cover Pty Limited, ABN 91 105 954 265, arranges and issues the policy as an authorised representative of Coffre-Fort Pty Ltd, AFSL 472457, which acts as the insurer’s underwriting agent. 1Cover acts for the insurer, not for you.
Only if you declare them, complete the online medical assessment, receive a written endorsement and pay any additional premium. Undeclared conditions are excluded by general exclusion 9. The definition catches anything you were aware of in the 12 months before the certificate was issued, and, with no time limit at all, heart, brain, lung, circulatory, kidney, cancer, immune, back and neck conditions and any chronic or ongoing illness you have ever had.
Not on the base policy. General exclusion 24 removes any claim connected to a cruise of two nights or more unless you bought the Cruise Pack and it is printed on your certificate of insurance. The pack has to be applied for at least 24 hours before you travel on the cruise, and it cannot be bought on its own. It adds unlimited onboard medical expenses, A$2,500 for a missed cruise departure, A$1,500 of cabin confinement and A$1,000 of pre-paid shore excursion cancellation.
Only with the Winter Sports Pack. General exclusion 25 removes winter sports activities from the whole policy without it, and the pack must be applied for at least 24 hours before you take part. It adds unlimited emergency rescue for winter sports, A$1,500 of winter sports equipment cover, A$1,000 of equipment hire and A$1,000 of resort closure cover. A double excess applies to medical, on trip cancellation and additional accommodation claims that arise from winter sports.
You choose the excess when you apply, and the amount is printed on your certificate of insurance. It is deducted from each accepted claim, per claim and per event, on the sections where it applies. You cannot pay an additional premium to remove it. A double excess applies to overseas emergency medical, on trip cancellation and additional accommodation claims that arise from winter sports.
1Cover runs a standing discount banner on its own site, 11% off at the time we checked on 5 October 2026, with terms applying. Treat a percentage off an unknown base as what it is: 1Cover publishes no starting price, so a discount tells you nothing about where the premium lands. Compare the cover first, then the number you are actually quoted for your own dates.
Yes, through the Already Overseas plan, but the conditions are tight. You must be aged 69 or under, hold a permanent Australian address, have proof of a return flight, and buy within 5 days of either leaving Australia or your previous policy expiring. The journey can run up to 90 days, your total time overseas cannot exceed 15 consecutive months, and you can only buy one Already Overseas policy every 12 months.
1Cover assesses a complete claim within 10 business days of receiving it, and tells you inside those 10 days if it needs more information, with an estimate of the timeframe. You have 180 days from the return date on your certificate to lodge. Payment is made in Australian dollars by direct credit to an Australian bank account, converted at the exchange rate current when you incurred the expense.
Within 14 days of the certificate being issued you get a full refund, provided the journey has not started and you have not claimed. After 14 days you get the unused portion of the premium back, less an administration fee of up to A$25, on the same conditions. The two Frequent Traveller annual plans are the exception: outside the cooling-off period, no refund can be issued at all.
Yes, through its 24-hour assistance service, which is the point of calling it before you spend. Prior approval is required for any hospital admission and for outpatient treatment that will pass A$1,000, and the policy will not pay expenses the assistance service would not have approved had it been asked. The emergency line is +61 2 8776 3010, with toll-free numbers for Australia, New Zealand, the United Kingdom, the United States and Canada, Thailand and Indonesia.
No. Section 2 of the policy states that it will not pay any claims arising from search and rescue, and that applies on every plan, including Comprehensive. There is no add-on pack that restores it. The Winter Sports Pack does add unlimited emergency rescue, but only for a claim arising from a winter sports activity, so a callout on a trek, on open water or anywhere else is yours to pay. Several plans on our own shelf cover it as a named benefit, from about US$5,700 per insured person.
Last updated on 5 October 2026. Every 1Cover figure on this page was read from the 1Cover Combined Financial Services Guide and Product Disclosure Statement effective 4 March 2026, and every HelloSafe price from quotes captured on hellosafe.com on 5 October 2026.
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