How Do I Make A Claim?

It’s easy to make a claim online with 1Cover. Just fill out the online claims form and attach receipts and other documents.  

This page helps to explain which documents you will need to help you make your claim.   

Emergency claims 

In most cases, if you are hospitalised, our emergency assistance team will coordinate payment directly with the hospital, provided your policy has been confirmed. If your medical expenses are likely to excess $1,000, payment will also usually be coordinated through your insurer. 

If our emergency team are not co-ordinating payments then you can make a claim online for medical expenses you have incurred. Specific documents that you will need to provide include: 

·         Medical report from your doctor in the country where the event occurred  

·         Overseas hospital admission & discharge summary (if you were hospitalised)  

·         Medical certificate from your local GP, specialist or dentist (if relevant)  

While the type of claim you make will determine the need for specific supporting documents, there are some required documents that are applicable to all claims. These will generally include:  

·         Your original flight schedule/itinerary (with terms and conditions)  

·         Receipts or proof of payment for each expense you are claiming for  

·         An official report to verify what happened or the events that led to your claim  

·         Completion of an online Digital Identity Check (proof of ID) 
 

Luggage claims 

If your items are lost, stolen or damaged on your holiday, typically you should pay to replace any lost or damaged belongings upfront, and claim back your costs later.  

To support your claim, you will need to provide supporting documentation including, (but not limited to):  

·         Receipts or invoices for non- physical and physical purchases;  

·         Proof of purchase/ownership certificates;   

·         Documentation that confirms dates/locations (e.g. itinerary, ticket bookings, hotel confirmations);  

·         CCopies of credit card statements

Cancellation claims 

If your trip is cancelled or disrupted and you need to make a claim for pre-paid travel expenses or lost deposits, make sure you gather the following documentation to support your online claim: 

·         Tax invoices with the total cost of your pre-paid travel and accommodation arrangements

·         Refund advice, penalty or cancellation fees (if applicable) to confirm whether your booking was non-refundable. Contact your travel provider first and ask for a refund. If they decline or partially pay the claim, ask for a Refund Advice document and provide to us.  

·         Proof supporting the reason for cancellation. For example, if your claim is medical, supporting documents may include a doctor's note. If your claim is non-medical, it may include a letter from the relevant authority such as an airline, cruise liner or tour company; or it may include a copy of a death certificate.