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Annual Travel Insurance - Get A Quote

 

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the One thing you need when one thing goes wrong

Love to travel? Annual Travel Insurance is for frequent travellers!
Buy one policy that covers that you for an unlimited number of international or domestic trips in a 12 month period.

Unlimited Trips In One Year

Unlimited
Trips

Take as many trips as you want for 12 months and you'll be covered by your annual policy. See PDS for details.

Unlimited Cancellation

Year-Round Cancellation

Plans can change over a year and you may have to cancel or switch things around. We’ve got you covered for cancellation fees or lost deposits.

Cost Effective

Cost
Effective

If you travel more than once a year, an annual policy may work out to be out to be the most cost-effective option for you.

Overseas & Domestic Cover

Overseas & Domestic Cover

Annual policies are available for both overseas and domestic travellers, so you won't pay more than you need to. 

Please read the FAQs below to understand the rules of our frequent traveller policies. All benefits are subject to terms and conditions within the PDS.

 

 

 

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How to buy an annual frequent traveller policy

  • Select your maximum trip duration - there are Two options

Our Frequent Traveller Plan also known as an Annual Multi-Trip Policy offers cover for an unlimited number of trips within a 12-month period. Maximum journey lengths apply to your cover - each individual trip can be up to 21 days or 45 days in duration depending upon which option you choose. For overseas trips, it offers all the benefits of our Comprehensive Plan; and for domestic trips, it offers all the benefits of the Domestic Plan.

1. Frequent traveller 21 days is for travellers who tend to take several shorter trips throughout the year. Each individual trip you take under your policy will need to be under 21 days in duration.

2. Frequent traveller 45 days is the most flexible option if your trips are between 3 to 6 weeks, especially if you can't predict how long each trip might be.  We generally find that this suits most people's trip length.  Each individual trip you take must be 45 days or less in duration. 

Annual multi-trip policies aren't designed for long-term travel, but rather the convenience of knowing you're covered all year from shorter trips. If you're heading on a holiday that is longer than the policy option you select, you will need need to buy a single-trip policy to cover that trip.
 

  • Select The Appropriate Region

Select the highest region (ie the one that is furthest away) for the destinations you plan to visit this year.  If you're not sure, choose "Worldwide" to ensure that you're covered.
 

  • Customise your policy

    You can choose to add High-Value Items, Ski Cover, Car Rental Excess or Cruise Cover.
     
  • Tell us about any pre-existing medical conditions


    Our simple online tool will ask you a few questions & give you an immediate decision in seconds after the quote.
    Any additional premium loading will be added if the pre-existing conditions are not already automatically covered for free.
     
Get a quote
 

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annual travel Insurance FAQS

  • What’s The Difference Between A Frequent Traveller Policy & A Single Trip Policy?
  • Frequent Traveller policies provides cover for an unlimited number of journeys over a 12 month period. The maximum duration of cover for any one journey will depend upon which policy option you have selected. You can choose to cover trips that are a maximum of 21 days or 45 days. Our Single Trip policies just cover that one single trip that you provide dates for at the time of purchase.  So don't get confused, if you are looking for one x 12 month trip, you need single trip cover. 

  • Are There Any Age Restrictions On Frequent Traveller Policies?
  • Yes, these policies are only available for customers under the age of 64. If you are 64 and over, we can still cover you on a single-trip basis on a Comprehensive policy.

  • Does an international frequent traveller policy cover domestic trips?
  • Yes. If you buy an international frequent traveller policy then all your international and domestic trips that year will be covered under the same policy. Full t&cs apply

  • what is considered a 'holiday' domestically?
  • If you pop next door and stay at your neighbours home we do not class this as going away on a trip. For your annual policy to 'kick-in' you must be more than 100km from your home for us to consider it a holiday. 

  • Can More Than One Person Go On A Frequent Traveller Policy?
  • Yes, of course. A Frequent Traveller policy can cover you and the members of your family or even friends who go with you on your journey and are listed on your Certificate of Insurance. You must be travelling together for at least 75% of all trips taken throughout the year for the policy to be valid.

  • How Do I Renew My Frequent Traveller Annual Policy? 
  • You can purchase a frequent travelling policy online, email us at [email protected] or speak with one of our customer service consultants via our online chat during business hours.  We will also send you reminder emails when your annual policy is due to be renewed to make it easy for you to do the renewal online. Please note there may be instances where a policy renewal is not available.

  • Do I Need To Tell 1Cover When My Trips Take Place?
  • One of the benefits of having a Frequent Traveller policy is that you do not have to contact us each time you travel within the dates that your policy covers. However, we advise that you keep track of bookings or receipts in case anything happens and you need to claim.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

  • How Far Out Can I Book My Frequent Traveller Policy?
  • You can only purchase an a Frequent Traveller policy 30 days before your first trip.

  • Is an annual frequent traveller policy suitable for business travellers?
  • With 1Cover’s annual Frequent Traveller policies, some of the things that might suit business travellers are:

    - Luggage and personal effects cover. We provide this benefit automatically, plus you can increase specific coverage for high-value business equipment, such as laptops, up to the value of $5,000. Check the PDS for details. 


    - Cancellation and lost deposits. This is provided in case you have to cancel your plans due to unforeseen circumstances outside of your control. We also cover Alternative Travel Expenses. This means if you encounter transport delays, you may have provision to claim if you need to reach important events such as conferences or meetings.
  • Do I Need To Tell 1Cover When My Trips Take Place?
  • With a Frequent Traveller Policy you don't need to tell us when you're travelling, or where you’re going and you don't need to book insurance every time you take a trip.

    Please note, if your trip is longer than the maximum duration you chose at the time of purchase (i.e 21 or 45 days), then you will need to buy another policy to cover that trip. 

READ ALL Annual travel insurance FAQS

 

Table of Benefits - Annual Travel Insurance


Explore our table of benefits below to see the policy benefits provided by our Frequent Traveller annual travel insurance policies. For full information on our Frequent Traveller annual policies, see the PDS or get an instant quote now

Policy Benefit OVERSEAS
Frequent Traveller 
(all policies)
DOMESTIC
Frequent Traveller 
(all policies)
Medical
   

Overseas Emergency Medical Assistance^

Unlimited

X

Overseas Emergency Medical & Hospital Expenses^*

Unlimited X

Includes Dental Expenses (per adult)^

$1,000

X

Resumption Of Journey^*

$3,000

X

Hospital Cash Allowance^*

$5,000

X

Repatriation Of Remains

$15,000

$15,000

Permanent Disability^*

$25,000

X

Loss of Income^*

$10,400

X
Luggage
   

Credit Card Fraud & Replacement^

$5,000

X

Includes Travel Documents & Traveller's Cheques^

Yes

X

Theft Of Cash^#

$250

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

$250

X
cancellation
   

Additional Accommodation & Travel Expenses*

$2,000

$2,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$2,000

$1,000

Alternative Transport Expenses^

$5,000

X
ancillary
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

X

Domestic Services^*

$500

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000

 

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Optional Coverage

Cruise Pack

Cruise Pack 

Will you be cruising this year? Ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. See PDS for full details.

Winter Sports Pack

Winter Sports Pack

If you're hitting the slopes at some point this year, you might want to add the Winter Sports Pack to your annual policy. It provides cover for a whole range of activities such as skiing or snowboarding. See PDS for full details.

Rental Car Cover

Additional rental Vehicle Excess

You might be hiring a car on one of your trip this year. We provide rental vehicle excess cover up to $5,000. But you can choose to increase this amount to $8,000.

Get a quote

 

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Pre-Existing medical Conditions

A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.

What Travel Insurance Covers

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out what else you're covered for and what you're not. 

 

 

Why Choose 1Cover Travel Insurance?

Trusted by 2 Million customers


Since 2003, we've provided travel insurance to more than 2 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

We’re proud to be awarded for our quality products and services. We recently won Mozo's 2023 Experts Choice Award for Exceptional Value Comprehensive Travel Insurance. As well as Product Review's Travel Insurer of the Year in 2019.

Local Customer Service

Our customer service specialists are based in Sydney and operate from Monday to Friday.  Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out. 

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24/7 Emergency Assistance

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.