Australia Travel Insurance

• Won't the rHCA Cover me if i require medical Assistance in Australia?

• The reciprocal health care agreement (RHCA) lets New Zealanders access limited medical services. This means New Zealand citizens/residents  in Australia are covered for in-patient public hospital treatments and accommodation.
  
  But the RHCA won't cover any prescription medicines/supplies, or any other medical treatments you require, including any hospital outpatient treatments and all private hospital services.
  
  The RHCA doesn't cover emergency evacuation and repatriation costs either. Australia has many isolated areas, and if you're injured or sick, you might need emergency evacuation to a major hospital.

• Do You Cover The Excess On A Rental Campervan Or Car?

• Renting a car to see Australia is popular, but you need to be aware that car hire companies will often charge you a hefty excess fee if something happens to your hire car. So even if you take out insurance with your hire company, you might still be liable for thousands of dollars.
  
  We cover you up to $5000 for the excess that could be incurred in the event of an accident, whether it's your fault or not. We provide cover for rental cars, van, 4WD, or campervans (so long as the vehicle doesn’t exceed 4.5 tonnes).
  
  We also cover you for up to $500 to return your rental car if you are seen by a medical advisor and you have been deemed unfit to do so. For an additional premium, you can increase your Rental Vehicle Excess Add-On to $6000, $7000, or $8000. 

• Am I Covered For Off-Piste Skiing & Snowboarding in Australia?

• Yes, we provide cover for off-piste skiing and snowboarding as long as it is within a short distance from designated areas of ski resort boundaries on groomed terrain that are open and patrolled by the ski resort.​
  
  You must select the Winter Sports Pack add-on when booking your policy to be covered for any winter sports activities. 

• I’ve reached Australia and the airline Has Lost My Luggage. Will 1Cover Replace The Items?

• If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred, then your travel insurance may not cover you.
  
  However, if you are not reimbursed the full amount of your claim, we will assess your claim and you may be entitled to be paid the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

• Can I Apply To Extend My Travel Insurance Policy while I’m in Australia?

• Yes, of course. If you want to extend your policy while you’re in Australia, the easiest way to do this is via the Policy Manager.
  
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires. If you have trouble, you can email us at [email protected]
  
  Please note there may be instances where a policy extension is not available. 

• Am I Covered For Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. If you do get caught up in an unforeseen event while you are in Australia and you are injured or your trip is interrupted, 1Cover can assist.
  
  Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy. Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind.
  
  1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

• Can I Choose My Excess?

• Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

• I travel to Australia a few times a year. What’s the best policy for me?

• We have a policy called Frequent Traveller which allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one. There is a limit to the maximum length of each trip on these policies. You can travel to one or more destinations with this policy. 
  
  Find out more about our annual travel insurance policies here.

• Do I Need Any Vaccinations Before Visiting Australia?

• There aren't any compulsory vaccinations you need for Australia. However whenever you travel you should make sure you are up-to-date on routine vaccines. These include measles-mumps-rubella, tetanus, chickenpox, polio, and your yearly flu shot.

• What Are Australia’s Quarantine Regulations?

• Australia has strict quarantine regulations, and instant fines are issued for failing to declare items for quarantine on arrival. Make sure you declare any foodstuffs, animal products or items used in the outdoors. People failing to declare biosecurity risk goods can receive an instant fine of $400, be fined up to $100,000 and/or face up to five years in prison. Find out more information here.

• Do I Need A Visa To Enter Australia? 

• Kiwis planning to visit Australia for a holiday do not need to apply for a visitor visa, as New Zealand is on the visa-waiver list. There are some exceptions to this rule, which are mainly to do with how long you want to stay. If you have been sentenced to imprisonment, deported from any country, or have been involved in known criminal or terrorist groups, then you should contact the nearest High Commission or Consulate of Australia well in advance of travel for advice on visa requirements.

•  Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in Australia are bush fires, flooding, cyclones and severe storms. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.
  
  Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforseen event.

• Do You Cover Cruising To Australia?

• Yes,but you'll need our Cruise Insurance add-on - an important consideration if you’re cruising Australia’s stunning waterways. Things can happen on cruise ships, like losing power kilometres from land, or outbreaks of food poisoning that spread like wildfire. Find out more about Cruise Insurance here. 

• Do you cover seniors travelling to Australia?

• We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

• Am I Covered If I'm Pregnant When I'm Travelling To Australia?

• If you're travelling to Australia while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.
  
  We will assess your application and decide whether, and to what extent, we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.
  
  Please note: we will not pay any medical expenses for:
  a) Regular antenatal care;
  b) Childbirth at any gestation; or
  c) Care of the newborn child. 
  
  Find more here. 

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

• Will I Be Covered If Something Happens To Me While Under The Influence Of Drugs Or Alcohol?

• 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.

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