Long Term Travel Insurance

• What Are The Benefits Of Having Travel Insurance For My long term Trip? 

• When you travel it's all about exploring the new and unknown, which, unfortunately, means you never know what could go wrong. Things like medical emergencies while overseas could easily cost up to six eye-watering figures. 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 Product Disclosure Statement to make sure this product is right for you.

• What Do I Do If I Lose My Policy Documentation?

• If you lose your policy documentation, please check your email inbox to see if the originals are there. If you are still unable to find the documents and relevant information, please contact us as soon as possible to retrieve them.

• Am I Covered If I'm Affected By Drugs or Alcohol When my Claim Event Occurs?

• No. If you're intoxicated, taking drugs (that haven't been prescribed) and your claim results from these actions, then you're not covered.

• Will You Fly Me Home If I Fall Sick Overseas?

• If you have purchased Comprehensive, Medical Only, Frequent Traveller, or Already Overseas, the cover is available for your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or be brought back to Australia with appropriate medical supervision.
  
  Coverage is also available under these Plans for the return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.
  
  All expenses for medical evacuation must first be approved by 1Cover. This only applies to the Plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans. If you are travelling on a cruise, you must have the Cruise Pack in order to be covered for medical treatment, transfer or evacuation. 

• Will I be Covered If I Travel To A Country With An Official Travel Warning?

• All countries have travel advice levels that you should 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 Smartraveller.gov.au. 

• What Activities Are Covered By 1Cover?

• We often feel more adventurous on holiday than when we're at home. Luckily, with the purchase of an Adventure & Sports Pack, we can cover you for too many activities to mention here, . View a full list of activities covered.

• Is My Policy Extended If My Return Journey Is Delayed Due To A Claimable Event?

• You may extend your cover free of charge if you find that your return to Australia has been delayed because of one or more of the following:
  
  a) a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or luggage and personal effects, is delayed;
  b) the delay is due to a reason for which you can claim under your policy (subject to 1cover approval). Please refer to the PDS for further information.

• What Happens If I Go Home Early?

• 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.

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