Anyone have a contact number for 1Cover travel insurance??

Forums › Travel (planes, train, cruise) › Anyone have a contact number for 1Cover travel insurance??

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duckDecoy

896 posts

Ultimate Geek

Subscriber

#3389414 3-Jul-2025 11:38

qwertee:

@duckDecoy

Thanks for the post.

This is timely as I am looking at travel insurance at the moment.
Have been with Southern Cross for my past travels but never needed to claim.
I was looking AA, SC and also Tower.

Now I know one to avoid definitely.

What I want to point out is that I don't know how common it is for a travel insurance claim to be

Paid by the customer and then reimbursed when you get home (we had to pay 2kUSD to walk out the door of one place and came terrifying close to having to pay 10s of thousands to leave the other facility)
Not just dealt with between the health provider and the insurance company without the customer having to deal with tracking down receipts etc.

If both of the above are typical then there should be no shade on 1Cover for these aspects. But if other companies dont to that then i'd be considering them next time.

nova

250 posts

Master Geek

Trusted

#3389432 3-Jul-2025 12:03

duckDecoy:

What I want to point out is that I don't know how common it is for a travel insurance claim to be

Paid by the customer and then reimbursed when you get home (we had to pay 2kUSD to walk out the door of one place and came terrifying close to having to pay 10s of thousands to leave the other facility)
Not just dealt with between the health provider and the insurance company without the customer having to deal with tracking down receipts etc.

If both of the above are typical then there should be no shade on 1Cover for these aspects. But if other companies dont to that then i'd be considering them next time.

After ringing my travel insurer first, I have taken someone to two different hospitals in the USA, and didn't have to pay at the time. But this is very much a function of the hospital, and not the travel insurance provider. For the second point, you are likely going to need to handle the paperwork, and it may come in sporadically, as the doctor will bill separately to the hospital etc. Travel insurance should be able to pay directly, but it wasn't a very automated process when I did it, I had to forward the bills to them. One was through ASB credit card insurance, at the time through Southern Cross, and the other with Kiwibank credit card insurance through Tower. Both were excellent to deal with, and I have found credit card insurance to be well worth the small amount of extra paperwork you have to do when making a claim. You do need to read the terms and conditions carefully, but the policies are pretty similar to ones that you have to pay for.

duckDecoy

896 posts

Ultimate Geek

Subscriber

#3394146 15-Jul-2025 10:32

After another 10 days of radio silence we get an email back saying they will pay one of the providers and we just need to pay the excess into their bank first. No mention of how much the excess is in the email though which isn't helpful (we happen to know its $200 so will make the payment).

For the other provider they are still asking us to provide a receipt or similar to show the amount we paid at the time of treatment. The medical provider didn't give us an individual receipt for the payment portion but their invoice states how much is owed and clearly shows HOW MUCH HAS ALREADY BEEN PAID. Plus we sent in copies of our bank statement. We have pointed this out to them multiple times but it appears comprehension is optional. This is starting to feel like incompetence...

Eva888

2427 posts

Uber Geek

Lifetime subscriber

#3394152 15-Jul-2025 10:51

I think it’s planned incompetence designed to wear you down long enough that you throw it in the too hard bin.

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