Win $10k holiday! T&Cs apply
Win $10k holiday! T&Cs apply
Before you buy, please read our travel alerts.
Travelling while you're a student opens up the world like nothing else. It's an incredible adventure to leave home behind - but there are a few things to remember:
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 let you choose the level of cover you need 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 you can purchase 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 Policy Wording or get an instant quote now.
| Comprehensive Travel Insurance Policy Benefit | OVERSEAS | DOMESTIC | |
|---|---|---|---|
Emergency | |||
| 24/7 Emergency Assistance Service | included | included | |
Medical | |||
| Overseas Emergency Medical & Hospital Expenses | SO | unlimited | - |
| Dental Expenses | $1,000 | - | |
| Hospital Cash Allowance | SO | $5,000 | - |
| Repatriation Of Remains | $25,000 | - | |
| Permanent Disability | $25,000 | - | |
| Loss of Income | SO | $10,400 | - |
Luggage & Personal Items | |||
| Travel Documents & Transaction Cards | $5,000 | - | |
| Theft of Cash | P | $250 | - |
| Luggage & Personal Effects | ASO | $15,000 | $15,000 |
| Luggage & Personal Effects Delay Expenses | ASO | $1,000 | $1,000 |
Cancellation & Delay | |||
| Pre-Departure Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Pre-Departure Amendments to Journey | A | $2,000 | $2,000 |
On-trip Disruption | |||
| On-trip Cancellation Fees & Lost Deposits | PSO | chosen limit | chosen limit |
| Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion Cover | ASO | $50,000 | $50,000 |
| Travel Delay Expenses | SO | $2,000 | $2,000 |
| Special Event Transport Expenses | $2,000 | - | |
Other | |||
| Personal Liability | P | $5 million | $5 million |
| Domestic Pets | SO | $500 | $500 |
| Domestic Services | SO | $500 | - |
This table is a summary of cover only. Sub-limits may apply. Please read the Policy Wording for full terms, conditions, limits, excess payable and exclusions to determine whether our travel insurance is right for you. All benefits are per traveller, unless specified. 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 on a long-term trip and you’re thinking of taking a cruise, 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 on an exciting, adventure trip, you need to add the Sports & Adventure Pack to your policy to ensure you’re covered. See PDS for full details.
Mont Blanc to Niseko...your long term travels could take you to many winter wonderlands. If snow sports might be a factor on your trip, consider adding our Winter Sports Pack to your policy. See PDS for full details.
1Cover’s domestic policies protect you with rental vehicle excess cover. But you have the option of increasing this cover or adding it to international policies in case your rental car company gives you nasty surprise.
“1Cover have always dealt with my claims in a professional manner. We have no hesitation in recommending 1Cover.”
“We will always use 1Cover now - outstanding service, great experience (apart from the torn ACL). Huge thanks service was outstanding!”
In our 72 years, we have never had a travel claim. Thank you for making a horrendous time truly easy!
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 Policy Wording to make sure this product is right for you. If you have any questions please call our friendly call centre.
Yes. You must extend your policy before it expires (11.59pm AEST/AEDST). To extend your policy, use our online policy manager, or email us at [email protected] or speak to a customer service 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 laptops, handheld computers, cameras and video cameras.
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 SafeTravel.
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 New Zealand 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 Policy Wording, 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.
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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