Before you buy, please read our travel alerts.
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.
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.
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.
Frequent traveller 21 days is 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.
Frequent traveller 45 days is good 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.
Frequent traveller 90 days 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.
Annual policies aren't designed for long-term travel, but provide you with cover for multiple short trips over the course of a year.
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 time you initially stipulate (i.e 21, 45, 90 days), then you will need to buy another policy to cover that 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 |
|
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 |
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.
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.
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.
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.
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 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, principal place of business at Level 19, 20 Martin Place, Sydney NSW, 2000. 1Cover's postal address is PO Box 6798, Baulkham Hills, NSW 2153, Australia.
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