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At 1Cover we want to provide safe travel for everyone, regardless of age. Whether you're looking for travel insurance for over 50s, over 65s or baby boomers travel insurance we've got you covered. That's why we offer travel insurance no matter what age you are. Depending on your age, we may require a little more information from you to apply for the cover and some exclusions may apply. We have a quick and simple online pre-existing medical application process to help you get covered in minutes!
Travel with total peace of mind.We offer unlimited medical cover for all travellers under 80.
Take that trip of a lifetime with total peace of mind. We offer cover for trips up to 12 months long. Adventurers aged 80+ can get cover for trips up to six months long.
If the unexpected happens and plans change, you've got unlimited cover for cancellation fees or lost deposits.
Don't get ripped off. Hire a rental car and we'll cover the excess up to $5,000 if the car is stolen, damaged or in an accident.
You'll enjoy $15,000 worth of cover for your luggage and personal belongings.
You can travel on the same policy as your partner, your friends, a family member. In fact, up to 25 people can go on the one policy.
With several policy levels and add-ons available, you can tailor your policy to suit you.
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Explore our table of benefits below to see the policy benefits provided by our overseas travel insurance policies. To see full details, see the PDS or get your instant quote now.
| Policy Benefit |
Comprehensive (Single-Trip & Frequent Traveller) |
Medical Only (available for ages 74 and under) |
|---|---|---|
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* |
$1,000 |
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 |
Unless otherwise specified in the PDS: Sections 12, 12A, 12B & 13 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B & 13, 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.
Going on a cruise? Stay safe and 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 during your overseas holiday you'll need to add the Winter Sports Pack to your policy to ensure you're covered. It provides cover for winter sports activities such as skiing or snowboarding, plus a whole heap more benefits. See PDS for full details.
Choose to increase your rental vehicle excess cover amount up to $8,000 and protect yourself from unexpected fees.
Very happy with the help I got along the way when I had to make a claim. Would highly recommend any to use 1Cover and I would be signing up again.
Staff were very helpful and knowledgeable. Always looking for the best options for their customers. Excellent customer service.
Superb. Couldn’t rate 1Cover any higher. 10/10. Exceptional service.
The policy is a must have when traveling for peace of mind alone and is very good value..
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 368 344.
Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the Australia Cruise region. This add-on is available with Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more.
Yes. You must extend your policy before it expires (11.59pm AEST/AEDST). To extend your policy, you simply need to call the call centre on 1300 192 021, 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
A pre-existing medical condition is a condition you have at the time of buying your medical condition. It may affect your travel insurance options. See our pre-existing medical condtions page for more information.
We regret that we if you have any of the excluded pre-existing medical conditions listed below, you have no cover under the following sections of the policy and you cannot apply for cover for them:
Overseas Emergency Medical Assistance
Overseas Emergency Medical & Hospital Expenses (Including Dental Expenses)
Additional Accommodation & Travel Expense
Emergency Companion Cover
Hospital Cash Allowance
Cancellation Fees & Lost Deposits Section
Disruption of Journey
The excluded pre-existing medical conditions are:
a) you have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
b) you require home oxygen therapy or will require oxygen for the journey (including in flight);
c) you have chronic renal failure treated by haemodialysis or peritoneal dialysis;
d) you have an AIDS defining illness or any condition or treatment causing you immunosuppression;
e) or you have had, or are on a waiting list for an organ transplant.
When you apply for the Policy you need to tell us where you are travelling to. The premium you pay for the Policy depends on your destination/s. The Policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.
NB. We’ll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.
Cruises: If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
Travellers on domestic cruises in Australian waters may also purchase a Comprehensive plan (selecting Australia Cruise region) to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses, additional accommodation and travel expenses, family emergency, emergency companion cover and cancellation fees and lost deposits..
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
If you’re planning on heading off for anything more than a month, there are a few things you need to think about.
They may seem like a good idea at the time, but these travel items are more pointless than practical.
The world is a field of cultural differences, and a gesture that’s acceptable in Australia may be highly offensive in another country.
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.
1Cover won Product Review’s 2018 Travel Insurer of the Year. Product Review 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.
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.
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 questions or queries, or you'd just like to know more about
Annual Travel Insurance, get in touch with us. Our expert team are here to help you.
Policy Manager 
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