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long-Term Travel Insurance

Going on a gap year? Or just have a serious case of wanderlust? No matter the reason, if you’re going away on a long trip, we’ve got a policy to suit your needs.

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long Term Travel Insurance Benefits

Our single trip travel insurance policies can cover you for up to 12 months abroad, so you can explore the world with peace of mind. All benefits listed below are subject to the terms and conditions in the the PDS. 

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 Long-Trip Cover 

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

Unlimited Cancellation

Unlimited Cancellation

Plans can change when you’re away for a while, and you may have 
to cancel or switch things around. That’s why we cover you for cancellation fees or lost deposits

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. But if something goes wrong, rental car companies can charge you a hefty excess. That's why we cover rental vehicle excess up to $5,000.

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 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 Insurer Of The Year 2019

Table of Benefits - Long Term Travel Insurance


Explore our table of benefits below to see the policy benefits provided by our long term travel insurance policies compared with our basic 'Medical Only' cover. To see full details, see the PDS or get an instant quote now. 

Travel Insurance Policy Benefit Comprehensive Travel Insurance Medical Only
Travel Insurance
MEDICAL
   

Overseas Emergency Medical Assistance^

Unlimited

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Unlimited

Includes Dental Expenses (per adult)^

$1,000

$500

Resumption Of Journey^*

$3,000

x

Hospital Cash Allowance^*

$5,000

x

Accidental Death*

$25,000

x

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

x

Luggage & Personal Effects Delay Expenses^

$250

x
CANCELLATION
   

Additional Accommodation & Travel Expenses*

$50,000

x

Includes Family Emergency*

Yes

x

Includes Emergency Companion Cover*

Yes

x

Cancellation Fees & Lost Deposits*

Unlimited

x

Disruption Of Journey*

$2,000

x

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

x

** 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.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in Australia.
# Limits are per policy regardless of persons the claim relates to.

 

Get a quote

 

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. 

Read More
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.

Read More
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. 

Read More

** 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.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in Australia.
# Limits are per policy regardless of persons the claim relates to.

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5 by over 1565 reviews on
  • "The First Thing You Should Pack When Travelling"

    I'm so glad we'd thought to get 1Cover travel insurance before we left home. Our claim was dealt with quickly and efficiently. Could not recommend it more highly.

    By Charmaine, May 2019

  • "Empathetic and efficient"

    Couldn’t ask for a more straightforward process when claiming from 1Cover. They were great.

     

    By Grace, May 2019

  • "Best Travel Insurance Yet"

    Great price and a thorough policy that allowed us to travel with piece of mind. We travel alot and will use 1 Cover again without hesitation.

     

    By TanMar, May 2019

  • "Don't leave australia without it"

    Policy was good value and easy to apply for. I've used 1Cover every time I've travelled in last 5 years.

    By Brown, Oct 2019

Read More Reviews

 

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 the new and unknown which unfortunately means you never know what could go wrong. Things like medical emergencies while overseas could cost $50,000+, and 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. If you have any questions please call our friendly call centre on 1300 192 021.

  • What Do I Do If I Lose My Policy Documentation?

  • If you lose your policy documenation, 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, 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.

    Cover 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 and you always 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?

  • To view a full list of activities covered under our 1Cover policies click here.

  • 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 busline, 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.

 

READ ALL FAQS

 

 

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Want to know More about...

activities
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-ex
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. 

repatriation
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 & Loved by 1.5 Million customers


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.

Award winning Insurance 

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. 

Local Call Centre

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. 

/emergency-contacts/

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? Call Us!

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.

Sales And Enquiries
1300 192 021 
(within Australia)
From Overseas
+61 2 8015 6392
Claims
1300 859 487 
Monday-Friday
7:00 am - 8:00 pm
Saturday
9:00 am - 4:00 pm
Sunday
10:00 am - 4:00 pm

 

Get a Travel Insurance Quote Now

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. This is general advice and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement. This insurance is underwritten by certain underwriters at Lloyd's, 1Cover is located on Level 12, 338 Pitt Street, Sydney, 2000, NSW, Australia.