When you apply for a policy, you should tell us all the countries you are going to. The premium you pay for the policy depends on your destination(s). The policy only covers loss, injury or illness which occurs in the countries you have told us you will visit.
Stopovers do not need to be listed, provided they do not exceed 24 hours, or occur within the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.
If you plan to travel to a country outside those that you’ve purchased cover for, we advise you to add destinations to your policy via the Policy Manager. You can also reach out to us via Live chat or email.
If you’re going on a cruise, you must select the appropriate cruise region for where you are travelling and pay an additional premium for travel on a cruise vessel by purchasing the Cruise Pack. If you don't purchase a cruise pack, you won't be covered while on the ship, for for cancellation fees, lost deposits, additional travel expenses, and medical expenses. You will also need to ensure you have listed all stops your cruise will be making, including those that you do not plan to leave the ship for.
Note: We don’t provide coverage when you are on a cargo ship or freighter.
Check the PDS for more details.
All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.
Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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