Love to travel? Why not consider annual travel insurance?
1Cover's Frequent Traveller Policy covers you for an unlimited number of international or domestic trips in a 12 month period. If you are looking for a policy that covers one trip for 12 months in duration you need a single trip policy.
Caught the travel bug? Take as many trips as you want for 12 months and you'll be covered with our Frequent Traveller policy. See PDS for details.
Plans can change over a year and you may have to cancel planned destinations or switch things around. We’ve got you covered for cancellation fees or lost deposits.
If you travel more than once a year, a Frequent Traveller policy may work out to be out to be the most cost-effective option for you. With an annual multi-trip policy, you can enjoy all the perks of an unlimited number of trips without reorganising travel insurance.
Annual Multi-trip Frequent Traveller policies are available for both overseas and domestic travellers, so you won't pay more than you need to.
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 annual travel insurance option if your trips are between 3 and 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.
Our Frequent Traveller 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 annual travel insurance policy option you select, you will need need to buy a single-trip policy to cover that trip.
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.
Explore our table of benefits below to see the policy benefits provided by our Frequent Traveller policies. For full information see the PDS.
| Policy Benefit | Overseas Frequent Traveller (all policies) | Domestic Frequent Traveller (all policies) | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | - |
| Dental Expenses | O | $1,000 | - |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | O | $25,000 | - |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | $15,000 |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | $1,000 |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | chosen limit |
| Pre-Departure Amendments to Journey | A | $2,000 | $2,000 |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | $50,000 |
| Travel Delay Expenses | S | $2,000 | $2,000 |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | $500 |
| Domestic Services | SO | $500 | - |
Rental Vehicle Excess | |||
| Rental Vehicle Insurance Excess | PS | chosen limit | chosen limit |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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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.
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
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.
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.
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.
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, 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 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.
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.
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.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
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.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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