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Worldwide Travel insurance guide


How to buy a worldwide policy

Perhaps you’re visiting one particular country and you might be visiting several countries afterwards. Maybe you have no idea where you’re going, or you have a whole itinerary planned down to a T.  To make things flexible, when you purchase your travel insurance policy, all you need to do is click “Worldwide” in the dropdown menu when you’re selecting the countries you want to visit. This will cover you for the whole world! 

Wherever you want to go, having a worldwide policy means you don’t need to tell us where you’re going as you explore the world.

are there any exclusions?

Yes. Unfortunately at this stage, we can’t cover Iran, North Korea, Afghanistan, Syria, or the Galapagos Islands. 


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World travel - What you're covered for

  • Your Belongings. You're most likely to have at least a mobile phone and a laptop to keep you connected, we cover your stuff if it's lost, stolen or damaged.*
  • Medical Expenses. Medical claims are the most common and come at the highest cost, we cover unlimited overseas medical expenses.*
  • 100+ Activities. We cover a multitude of activities, including surfing, water-rafting, diving, bungy-jumping and more.
  • Cancellation & Lost Deposits. If you have to cancel your plans due to unforeseen circumstances outside of your control. 
  • Rental Car Excess. Whether you're hiring a car in Italy or doing a road trip in the US, or driving a caravan around Australia, don't leave yourself open to nasty car rental excess

*Terms and conditions, limits and exclusions apply. please see PDS for full details.

World travel - what you're not covered for

  • Drugs & Alcohol. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.

  • Unsupervised Belongings. Leaving your things laying around is just asking for someone to take them so if you leave anything unattended or unsupervised, we won't cover this.
  • Ignoring Official Warnings. If a government or other official body have issued a specific "Do Not Travel" or "Reconsider Your Need to Travel" warning and you go anyway, we won't cover any claim you make relating to this.
  • Breaking The Law. For obvious reasons we can't help you out here. Always adhere to local laws.

*Terms and conditions, limits and exclusions apply. please see PDS for full details.


Worldwide travel: Tips & Tricks

things to consider: 
  • Prepare before you goPlan, plan, plan! Ensure you get all the correct vaccinations, and research any disease and hygiene problems in the places you plan to visit.
  • If you are taking kids, are pregnant or have other health issues, see your doctor well in advance and get a check-up and any medical advice for travel.
  • Keep it safe. If heading to remote locations it's always a good idea to take your own first aid kit in case of injuries.
  • Missing home is normal. Especially if you're away for a long time. Remember strangers are just friends you haven't met yet. Go out of your way to meet new people.
how to plan a round the world trip:
  • Think about why and where. Maybe you need a change of pace, the kids have grown up and you finally have some time to yourself, you've always wanted to see Machu Picchu, you want to follow your dreams or you want to see the world just because you can! Working out why you are going can help you plan where to go.
  • Cash, cash, money, money. It doesn't grow on trees. Plan a budget and savings goals and get saving.

  • How to get there. Other than the money side of things you need a basic plan of how your trip will run, your route, when it will start and end and of course a plane ticket. You can get some great Round The World (RTW) flights that will save you lots.

  • Sleep, eat, move and be safe. Planning of smaller details of the trip is also important, where will you stay, and how will you use transport within the destinations you are heading to. Ensure you book your travel insurance once you start booking your trip to cover you in case of cancellation

  • What to take? This can be a big task. Gadgets, clothes, books. Just remember the only thing you really need is your passport!

  • Life on the road. It can be tough and might not be like what you expected during your planning.

For a full list of what's not covered please refer to the PDS for details.

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Travel Insurance FAQS for worldwide travel

  • Can I Apply to extend my travel insurance policy?
  • Yes. You must extend your policy before it expires (11.59pm AEST/AEDST). To extend your policy you can use the online policy manager, or email us at [email protected] or speak to a call centre representative via online chat. One of our trained travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. And you'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available. 

  • 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.

  • 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.

  • 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

  • Do i need to let you know about pre-existing medical conditions?
  • Make sure you tell us about any pre-existing medical conditions. If you’re going away for a long time, anything can happen, and if you have a condition you haven’t told us about, and something happens to you, you might not be covered.




Do you need to know About...

Long Term Travel Insurance

You’re going overseas for a good time AND a long time. 1Cover offers long-term travel insurance which can cover you for up to 12 months abroad - and you can extend if you need to. Find out more. 

Ski Guide

And if you want some insider advice the best places to go skiing, look no further than our in-depth Guide to Your Best Skiing holiday

Bali survival

Our beloved neighbour is extremely popular for backpackers. Here’s a handy survival guide to keep you safe and ensure you have the best time that you can.

What travel insurance covers 

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. 


One Last Thing: handy resources for worldwide travellers

IAMAT are a non-profit organization who help travellers plan a healthy trip, and connect travellers with reputable English-speaking doctors. They are a useful point of contact for anyone travelling with a health condition.

Be informed. Be prepared. Visit the Australian Government's SmartTraveller website, where you'll have all the latest safety information for your next trip.






Are you travelling with medication from the Pharmaceutical Benefits Scheme (PBS). Find out what you need to know on Medicare Australia’s official page for Australians overseas.

Australian Government embassies, high commissions, consulates, multilateral missions and representative offices in different countries around the world.