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If you take multiple overseas or domestic trips every year, you might consider an annual Frequent Traveller policy. This means you won’t have to buy travel insurance for every trip, saving you time and potentially saving you money.
Special offer: We're giving you $50 off* all 90 day Frequent Traveller International policies, $25 off* 45 day Frequent Traveller International policies & $20 off*, all 21 day Frequent Traveller policies. If you’re purchasing a Domestic Frequent Traveller policy, you’ll receive $20 off.
When you purchase an annual Frequent Traveller policy, you choose from three different options, and get the benefits of an of an Overseas Comprehensive policy or a Domestic Comprehensive policy. All benefits listed below are subject to terms and conditions within the PDS.
Take as many trips as you want for one whole year and you'll be covered by your annual policy. See PDS 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 generally works out to be the most cost-effective option.
Annual policies are available for both overseas and domestic travellers. Wherever you go, we’ve got your back.
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, then you can add your kids and grandkids (ie. your dependants) to the annual policy for no additional cost. See the PDS for details.
Keep it simple and add your spouse or partner to your Frequent Traveller policy and ensure you're both covered on your trips through the year.
Why should you pay for a worldwide policy when you're only going on multiple trips to one destination? If all your trips are to one region (like New Zealand) then you just pay for insurance to that area.
Please also note that you can only purchase an a Frequent Traveller policy 30 days before your first trip.
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 as it gives you more freedom to extend trips and still be covered. Each individual trip you take under your annual policy will need to be under 90 days long.
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.
Get a fast instant online insurance quote.
You can get a quote for a Frequent Traveller Domestic policy or a Frequent Traveller Overseas policy (an overseas policy can also cover you for domestic travel).
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 PDS 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 |
$2,000 |
|
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 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.
Rental vehicle excess cover is provided under a Comprehensive policy up to $5,000. But you can choose to increase your rental vehicle excess cover amount up to $8,000 and extend your protection.
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 PDS 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 questions or queries, or you'd just like to know more about
1Cover Travel Insurance, get in touch with us. Our expert team are here to help you.
*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, see /annual-policy-promotion-terms/.
Policy Manager 
Fiji Insurance
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