Long Term Travel Insurance

Important Travel Alert:

Before you buy, please read our travel alerts.

Why buy long Term Travel Insurance?

Unlimited Medical

Unlimited Medical

If you’re going away for a long time, travel the world with peace of mind, knowing you’ve got unlimited cover for medical and emergency assistance

Unlimited Trips In One Year

Extend your Trip 

If you’re away and you just don’t want to come back, you may be able to extend your journey or purchase an Already Overseas policy to cover yourself for an extra 90 days.

Unlimited Cancellation

Trip Cancellation

Plans can change before you go or even while you’re away.  We make it easy to cancel or switch things around and cover you for cancellation fees or lost deposits in certain situations.

Activities Cover

Activities Cover 

Big trips are for adventures and discovery and, of course, having fun! We cover a multitude of activities, including bungee-jumping.

Rental Vehicle Excess

Rental Vehicle Excess

  •  A rental car or campervan might be part of your long-term holiday. If something goes wrong,  we cover rental vehicle excess up to $5,000.  You also have the option to increase this amount. 

Luggage & Personal Effects Cover

Luggage & Personal Items

There's nothing worse than losing or damaging your favourite things, particularly when you're on a long term trip. Our policies cover up to $15,000 worth of luggage and personal effects, such as cameras and clothing.

Travel On One Policy

Travel on one policy

Are you taking a big trip with a group of friends, colleagues, or a team? With 1Cover, up to 25 people can travel on one policy and enjoy all the benefits - with all the paperwork in one place.

Three Policies To Choose From

Upgrade your Policy

  • If you’re going skiing, cruising or have valuable items you need to cover on your long-term holiday, then we’ve got a range of optional add-ons to choose from. 


Travel Insurance Award Winners 2023

mozo award


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FAQs About Long Term Travel Insurance

  • What Are The Benefits Of Having Travel Insurance For My long term Trip? 
  • When you travel it's all about exploring the new and unknown, which, unfortunately, means you never know what could go wrong. Things like medical emergencies while overseas could easily cost up to six eye-watering figures. Then there's lost luggage, stolen belongings and delayed flights which are more expenses on top of an already costly holiday.

    Travel is unpredictable and travel insurance is there to help provide you peace of mind that when the unexpected happens, we'll be there to help out. We advise you to read the Product Disclosure Statement to make sure this product is right for you.

  • What Do I Do If I Lose My Policy Documentation?
  • If you lose your policy documentation, please check your email inbox to see if the originals are there. If you are still unable to find the documents and relevant information, please contact us as soon as possible to retrieve them.

  • Am I Covered If I'm Affected By Drugs or Alcohol When my Claim Event Occurs?
  • No. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.

  • Will You Fly Me Home If I Fall Sick Overseas?
  • If you have purchased Comprehensive, Essentials, Medical Only, Frequent Traveller, or Already Overseas, the cover is available for your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or be brought back to Australia with appropriate medical supervision.

    Coverage is also available under these Plans for the return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.

    All expenses for medical evacuation must first be approved by 1Cover. This only applies to the Plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans. If you are travelling on a cruise, you must have the Cruise Pack in order to be covered for medical treatment, transfer or evacuation. 

  • Will I be Covered If I Travel To A Country With An Official Travel Warning?
  • All countries have travel advice levels that you should check these prior to travelling. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider your need to travel" warning and you go, you will not be covered. For more information, please see Smartraveller.gov.au. 

  • What Activities Are Covered By 1Cover?
  • We often feel more adventurous on holiday than when we're at home.  Luckily we automatically cover you for too many activities to mention here. View a full list of activities covered.

  • Is My Policy Extended If My Return Journey Is Delayed Due To A Claimable Event?
  • You may extend your cover free of charge if you find that your return to Australia has been delayed because of one or more of the following:

    a) a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage and personal effects, is delayed;
    b) the delay is due to a reason for which you can claim under your policy (subject to 1cover approval). Please refer to the PDS for further information.

  • What Happens If I Go Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds should you go home earlier than planned.





We've Already Helped
1.5 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Do not travel without 1Cover"

    We have used 1Cover for many years now and do not leave home without it. Great service, exceptional if you make a claim. Only insurer I would recommend. 

    By Ian, Nov 2022

  • Helpful, caring & supportive

    My husband required emergency surgery in the USA. There was no expense spared with either the medical costs (considerable) or our accommodation. We cannot speak highly enough of 1Cover and have recommended them to all our friends.  
    By Anonymous, Dec 2022

  • "great company"

    Found this company the best for insurance prior to Covid and especially now that travel has restarted. We had multiple credit vouchers that they have honoured with not problems. Thank you 1Cover for your great service. 

    By Bernadette, Dec 2022 

  • Easiest company

    You never know how good insurance is until you have to make a claim! 1Cover responded to us in their prescribed timeframe and our payout was made within 15 days. I would recommend them 100%. This is the seventh time we have used them and first time we had to claim. Well done! 

    By the Bakers, Nov 2022

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Optional Coverage

Cruise Pack

Cruise Pack 

If you’re on a long-term trip and you’re thinking of taking a cruise, you might want to add the Cruise Pack to your policy to ensure you’re covered at sea. See PDS for full details. 

Winter Sports Pack

Winter Sports Pack

Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.

Rental Car Cover

Additional rental Vehicle Excess

Most of 1Cover’s policies protect you with up to $5,000 in rental vehicle excess cover. But you have the option of increasing this cover to $8,000 in case your rental car company gives you nasty surprise. 


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Want to know More about...

Activity Hub

Travelling means doing - especially when you're away for a while. Luckily we 100+ activities. You can have fun while you’re away - and still have peace of mind. 

Pre-Existing Medical Conditions

Do you or anyone you’re travelling with have pre-existing medical conditions? Or are you wondering about pregnancy and travel insurance? Find answers to all your medical-related questions here

What Travel Insurance Covers

In addition to reading the PDS, you can find out exactly what and what you’re not covered for while you’re away with this handy resource. 


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. 


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.