Before you buy, please read our travel alerts.
Love to travel? An Annual Travel Insurance covers for an unlimited number of international or domestic trips in a 12 month period.
Take as many trips as you want within a 12 month period. See Policy Wording for details.
Plans can change over a year and you may have to cancel or switch things around. Our annual policy offers cover for cancellation fees and lost deposits.
Depending on how often you travel, an annual policy may work out cheaper than buying single travel insurance per trip.
Annual policies are available for both overseas and domestic trips.
Frequent traveller 21 days: Each individual trip you take under your policy will need to be under 21 days long.
Frequent traveller 45 days: Each individual trip you take under your policy will need to be under 45 days long (1.5 months)
Frequent traveller 90 days: Each individual trip you take under your annual policy will need to be under 90 days long (almost 3 months)
**If your trip is longer than any of the above, i.e 21, 45, 90 days, then you'll need to buy a single-trip policy.
Annual policies aren't designed for long-term travel, but provide you with cover for multiple short trips over the course of a year.
Yes, these policies are only available for customers under the age of 64. Don’t worry if you are 64 and over, we can still cover you on a single-trip basis on a Comprehensive policy.
Yes, of course. A Frequent Traveller policy covers you and the members of your family or even friends who go with you on your journey and are listed as covered on your Certificate of Insurance. You must be travelling together for at least 75% of all trips taken throughout the year for the policy to be valid.
One of the benefits of having a Frequent Traveller policy is that you do not have to contact us each time you travel within the dates that your policy covers. Even though you don’t need to tell us, we advise that you keep track of bookings or receipts in case anything happens and you need to claim.
Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.
You can only purchase an a Frequent Traveller policy 30 days before your first trip.
With 1Cover’s annual Frequent Traveller policies, some of the things that might suit business travellers are:
- luggage and personal effects cover. We provide this benefit automatically automatically, plus you can increase specific coverage for high value business equipment, such as laptops, up to the value of $5,000. Check the Policy Wording for details.
- cancellation and lost deposits. This is provided in case you have to cancel your plans due to unforeseen circumstances outside of your control. We also cover Alternative Travel Expenses. This means if you encounter transport delays, you may have provision to claim if you need to reach important events such as conferences or meetings.
With a Frequent Traveller Policy you don't need to tell us when you're travelling, or where you’re going and you don't need to book your insurance every time you take a trip.
Please note, if your trip is longer than what you stipulate initially (i.e 21, 45, 90 days), then you will need to buy another policy to cover that trip.
Explore our table of benefits below to see the policy benefits provided by our Frequent Traveller annual travel insurance policies. For full information on our Frequent Traveller annual policies, see the Policy Wording or get an instant quote now.
| Policy Benefit |
OVERSEAS Frequent Traveller (all policies) |
DOMESTIC Frequent Traveller (all policies) |
|---|---|---|
Medical |
||
|
Overseas Emergency Medical Assistance^ |
Unlimited |
X |
|
Overseas Emergency Medical & Hospital Expenses^* |
Unlimited | X |
|
Includes Dental Expenses (per adult)^ |
$1,000 |
X |
|
Resumption Of Journey^* |
$3,000 |
X |
|
Hospital Cash Allowance^* |
$5,000 |
X |
|
Accidental Death* |
$25,000 |
$25,000 |
|
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 |
$15,000 |
|
Luggage & Personal Effects Delay Expenses^ |
$250 |
X |
cancellation |
||
|
Additional Accommodation & Travel Expenses* |
$50,000 |
$50,000 |
|
Includes Family Emergency* |
Yes |
Yes |
|
Includes Emergency Companion Cover* |
Yes |
Yes |
|
Cancellation Fees & Lost Deposits* |
Unlimited |
Unlimited |
|
Disruption Of Journey* |
$2,000 |
$1,000 |
|
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 |
$5,000 |
Will you be cruising this year? Ensure you're properly covered on your cruise holiday by adding our Cruise Pack to your policy. See Policy Wording for full details.
If you're hitting the slopes at some point this year, you might want to add the Winter Sports Pack to your annual policy. It provides cover for a whole range of activities such as skiing or snowboarding. See Policy Wording for full details.
You might be hiring a car on one of your trip this year. We provide rental vehicle excess cover up to $5,000. But you can choose to increase this amount to $8,000.
Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.
Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.
First time I've had to make a claim. Speed of process was quite unbelievable.
Going Snowboarding, Sailing, Or Motorbiking? We Cover 100+ Activities and Sports. Visit our Activities Page to see what sorts of activities you're covered for and what you're not.
A pre-existing medical condition is something that must be disclosed when you’re purchasing travel insurance. Find out what pre-ex conditions are and how they affect your travel insurance.
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.
If you have any other questions or queries, please send us a message via our Contact Us page.
If you are experiencing an emergency, please use the details on our Emergency Assistance page.
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