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Annual Travel Insurance is for frequent travellers. An annual travel insurance policy covers you for any number of international or domestic trips for a 12 month period. Annual policies aren't designed for long-term travel, but provide you with cover for multiple short term trips over the space of a year.
With an annual travel insurance policy, you won’t have to buy travel insurance for every trip, saving you time and potentially saving you money.
Annual travel insurance policies have different maximum trip duration limits, and you choose from three different options. Depending on which policy you choose, you’ll have a maximum number of days you can spend overseas per trip.
You also have the option of an annual domestic travel insurance policy or an annual overseas travel insurance policy. An overseas policy will cover you for both domestic and overseas trips.
Below is a summary of a few key benefits, which are all subject to the terms and conditions. All benefits listed below are subject to terms and conditions within the PDS.
Take as many trips as you want for 12 months and you'll be covered by your annual policy. See PDS for details.
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.
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.
Annual policies are available for both overseas and domestic travellers, so you won't pay more than you need to.
There are three annual policy types to choose from designed to suit different trip lengths, plus a range of optional extras.
If you take a lot of family holidays, add your kids and grandkids (ie. your dependants) to your annual policy for no additional cost. See the PDS for details.
Add your spouse or partner to your Annual/Frequent Traveller policy and ensure you're both covered on your trips through the year.
If you’re only going on multiple trips to one destination, then only pay for insurance to that region/area.
This page was last updated on: 20 February 2020
For travellers who tend to take shorter trips throughout the year. Each individual trip you take under your policy will need to be under 21 days long.
If your trips are between 3 to 6 weeks. Each individual trip you take under your policy will need to be under 45 days long.
This is the most flexible option, especially if you can't predict how long each trip might be. Each individual trip you take under your annual policy will need to be under 90 days long.
**If your trip is longer than the policy option you initially select (i.e 21, 45, 90 days), then you'll need to buy another single-trip policy to cover that trip.
***You can only purchase an a Frequent Traveller policy 30 days before your first trip.
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 |
|
Accidental Death* |
$25,000 |
$25,000 |
|
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* |
$50,000 |
$50,000 |
|
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 |
** A 5% "Online Discount" is automatically applied when you purchase a policy online through the website at www.1cover.com.au for Comprehensive, Medical, Essentials, and Domestic policies; or## A "Campaign Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies purchased from 06/01/2020 and is ongoing until withdrawn by 1Cover. The Campaign Discount is available to customers with a valid Campaign Code who purchase online or over the phone. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. This discount cannot be used in conjunction with any other offer. For full competition terms & conditions, visit www.1cover.com.au/annual-policy-promotion-terms. Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs. For all 1Cover Competition Terms & Conditions, please visit https://www.1cover.com.au/competition-terms/.
This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.
Unless otherwise specified in the PDS: Sections 12, 12A, 12B, 13 and 14 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B, 13 and 14, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.
^^ You only have this cover for these sections if the relevant pack has been purchased.
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.
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.
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.
Our Single Trip policies just cover that one single trip that you provide dates for at the time of purchase.
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 simply need to call the call centre on 1300 192 021, email us at [email protected] or speak to a call centre representative via our online chat. One of our friendly call centre staff members will assist you in the policy renewal. We will also send you reminder emails when your annual policy is due to be renewed and you can also do the renewal online. Please note there may be instances where a policy renewal is not available.
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.
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.
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
You can only purchase an a Frequent Traveller policy 30 days before your first trip.
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 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.
- luggage and personal effects cover. We provide this benefit automatically 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.
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 time you initially stipulate (i.e 21, 45, 90 days), then you will need to buy another policy to cover that trip.
Going Snowboarding, Sailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.
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.
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.
Since 2003, we've provided travel insurance to more than 1.5 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.
1Cover won ProductReview.com.au 2019 Travel Insurer of the Year. ProductReview.com.au is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services.
Our Call Centre is based in Sydney and is open seven days a week. 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.
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.
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.
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.
If you have any questions or queries, or you'd just like to know more about
Travel Insurance, get in touch with us. Our expert team are here to help you.
*Terms, conditions, limits and exclusions apply. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. The discount cannot be used in conjunction with any other offer. For full terms & conditions, see /annual-policy-promotion-terms/.
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