Whether you’re taking a gap year, backpacking in the break, going on exchange, or volunteering abroad, make every adventure safer with the right travel insurance by your side.
Travelling as a student or young adult, opens the world in ways nothing else can. Leaving home is exciting, but before you go, keep these essentials in mind:
Check your documents (then check again). Make sure your passport and visas are valid for the entire time you’re away, including additional validation requirements.
Register your travel plans. Let the government know you'll be overseas for an extended period. You can register your details at www.smartraveller.gov.au.
Don’t skip travel insurance. A good value policy from a trusted provider can save you from paying thousands if something goes wrong abroad.
Here's s a great real-world example of why travel insurance matters.
Travel with total peace of mind. If anything goes wrong you've got unlimited emergency assistance and medical cover.
Whether its a laptop, phone, handbag or skateboard, we cover up to $15K of lost, stolen or damaged luggage & items.
If you need to cancel your trip or the unexpected occurs, we provide unlimited cover for cancellation fees or lost deposits.
It can be scary if something goes wrong in a new place. That's why our our emergency team is available to help you 24/7.
Road-tripping is a common way to sight-see while overseas, and that?s why we offer up to $5,000 cover for rental car excess if your vehicle is damaged or stolen.
If you're going away for a long time, you'll be glad to know that we offer cover for trips up to 12 months long. Explore the world and travel happy with 1Cover.
Anything can happen while you?re away and if you need to add destinations, change your policy add-ons or extend your cover, you can do it in your Policy Manager.
Explore our table of benefits below to see the policy benefits provided by our comprehensive travel insurance policies for both overseas and domestic travel. For full information on all of our policies, see the PDS or get an instant quote now.
| Comprehensive Travel Insurance Policy Benefits | Overseas | Domestic | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | - |
| Dental Expenses | O | $2,000 | - |
| Hospital Cash Allowance | SO | $10,000 | - |
| Repatriation Of Remains | O | $25,000 | - |
| Permanent Disability | O | $25,000 | - |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | O | $5,000 | - |
| Theft of Cash | PO | $250 | - |
| Luggage & Personal Effects | AS | $15,000 | $7,500 |
| Luggage & Personal Effects Delay Expenses | ASO | $15,000 | $7,500 |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PS | chosen limit | chosen limit |
| Pre-Departure Amendments to Journey | A | $2,000 | $2,000 |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PS | chosen limit | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | AS | $50,000 | $5,000 |
| Travel Delay Expenses | S | $2,000 | $2,000 |
| Special Event Transport Expenses | O | $2,000 | - |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | S | $500 | $500 |
| Domestic Services | SO | $500 | - |
Rental Vehicle Excess | |||
| Rental Vehicle Insurance Excess | PS | chosen limit | $5,000 |
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you. A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller. S Sub-limits apply. P Limits are per policy regardless of the number of persons the claim relates to. O There is no cover while travelling in Australia. |
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If you?re thinking of taking a cruise while you?re away, you might want to add the Cruise Pack to your policy to ensure you?re covered at sea. See PDS for full details.
If you?re going to take part in skiing, snowboarding or any other winter sports, you might want to consider adding our Winter Sports Pack to your policy. See PDS for full details.
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.
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.
Yes. We make it easy to extend your policy online. You must extend it before it expires though (11.59pm AEST/AEDST). To extend your policy online use the policy manager, or email us at info@1Cover.com.au 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
If you leave your belongings unattended or unsupervised and they are stolen we are unable to cover them. Always keep watch of your belongings and ensure you or someone you trust is looking after them.
Being intoxicated is a general exclusion under the 1Cover policy wording and you will not be covered.
Our policy states that any claim arising from being intoxicated, addicted or under the influence of liquor or drugs, except those prescribed by a medical adviser, will not be covered.
No. For obvious reasons we can't help you out here. Always adhere to local laws.
Your complimentary university travel insurance may cover you for travel during the semester, but if you plan to do any travelling outside of term time, or to countries other than where your exchange is taking place, then you may not be covered.
Medical Only policies do not provide cover for luggage or any personal belongings, so you will need to purchase a comprehensive policy. Our comprehensive policies provide cover for up to $3000 for laptops, handheld computers, cameras and video cameras. DO WE WANT TO MENTION THAT SUBSEQUENT LOSS IS ONLY COVERED UP TO $750?
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.
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.
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.
Do you or anyone you?re travelling with have pre-existing medical conditions?Find answers to all your medical related questions here.
The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. You?ll find information on world events/disasters that may affect your policy.
In addition to reading the PDS, you can find out exactly what and what you?re not covered for with this handy resource.
24 hours a day, 365 days a year. If something happens while you?re away, make sure you contact us straight-away so we can advise you on the best thing to do.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered millions of travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
We make claiming easy. Use our online claims form to get your claim assessed and resolved as quickly as possible.
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. 1Cover is located at Level 1, 332 Kent Street, Sydney NSW 2000. 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, a company registered in Germany acting through its Australian branch, HDI Global Specialty SE – Australia, ABN 58 129 395 544, AFSL 458776.
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