Before you buy, please read our travel alerts.
Annual Travel Insurance is for frequent travellers. An annual travel insurance policy covers you for any number of international or domestic trips for a 12 month period. Annual policies aren't designed for long-term travel, but provide you with cover for multiple short term trips over the space of a year.
With an annual travel insurance policy, you won’t have to buy travel insurance for every trip, saving you time and potentially saving you money.
Annual travel insurance policies have different maximum trip duration limits, and you choose from three different options. Depending on which policy you choose, you’ll have a maximum number of days you can spend overseas per trip.
You also have the option of an annual domestic travel insurance policy or an annual overseas travel insurance policy. An overseas policy will cover you for both domestic and overseas trips.
Below is a summary of a few key benefits, which are all subject to the terms and conditions. All benefits listed below are subject to terms and conditions within the Policy Wording.
Take as many trips as you want for 12 months and you'll be covered by your annual policy. See Policy Wording for details.
Plans can change over a year and you may have to cancel or switch things around. We’ve got you covered for cancellation fees or lost deposits.
If you travel more than once a year, an annual policy may work out to be out to be the most cost-effective option for you.
Annual policies are available for both overseas and domestic travellers, so you won't pay more than you need to.
There are three annual policy types to choose from designed to suit different trip lengths, plus a range of optional extras.
If you take a lot of family holidays, add your kids and grandkids (ie. your dependants) to your annual policy for no additional cost. See the Policy Wording for details.
Add your spouse or partner to your Annual/Frequent Traveller policy and ensure you're both covered on your trips through the year.
If you’re only going on multiple trips to one destination, then only pay for insurance to that region/area.
This page was last updated on: 25 February 2020
For travellers who tend to take shorter trips throughout the year. Each individual trip you take under your policy will need to be under 21 days long.
If your trips are between 3 to 6 weeks. Each individual trip you take under your policy will need to be under 45 days long.
This is the most flexible option, especially if you can't predict how long each trip might be. Each individual trip you take under your annual policy will need to be under 90 days long.
**If your trip is longer than the policy option you initially select (i.e 21, 45, 90 days), then you'll need to buy another single-trip policy to cover that trip.
***You can only purchase an a Frequent Traveller policy 30 days before your first 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 |
Unless otherwise specified in the Policy Wording: 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.
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.
Our Single Trip policies just cover that one single trip that you provide dates for at the time of purchase.
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 simply need to call the call centre on 0800 000 333, email us at [email protected] or speak to a call centre representative via online chat. One of our trained call centre staff members will assist you in the policy renewal. We will also send you reminder emails when your annual policy is due to be renewed and you can also do the renewal online. Please note there may be instances where a policy renewal is not available.
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.
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.
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.
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.
*Terms, conditions, limits and exclusions apply. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. The discount cannot be used in conjunction with any other offer. For full terms & conditions, visit our competition terms page.
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