Whether you're planning to explore the vibrant cultures of the South Pacific, bask in the tropical beauty of Fiji, or embark on an adventurous journey across the islands, ensuring you're protected with the right travel insurance is essential. The Pacific offers a variety of breathtaking experiences, but like any travel destination, it comes with its own set of risks and uncertainties., so get 1Cover Travel Insurance...It's the One thing you need when One thing goes wrong.
Unlimited medical benefits should you get sick or have an accident including 24-hour emergency medical assistance, ambulance fees and medical evacuations.
Cover for riding mopeds and scooters in the Pacific, as long as you hold the appropriate licence. Full T&Cs apply.
Cover for luggage and personal effects stolen, lost or damaged during travel.
Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances.
Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
Please refer to the PDS and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.
In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in the Pacific.
If you have purchased Comprehensive, Medical Only, Frequent Traveller, or Already Overseas, cover is available for your medical transfer or evacuation if you must be brought back to Australia with appropriate medical supervision.
Cover 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 in control of a motorcycle or scooter with an engine capacity greater than 125cc, you need to hold a current, valid Australian motorcycle licence. If you are riding a motorcycle or scooter with an engine capacity lower than 125cc, you need to hold a current, valid Australian drivers licence.
You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcycle licence for that country.
Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike.
Yes, if you want to extend your policy while you’re in the Pacific region, 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 (please keep in mind Australian AEST/AEDST).
If you have trouble, you can email us at [email protected]
Please note there may be instances where a policy extension is not available.
In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
However, if you do get caught up in an unforeseen event while you are in the Pacific region and you are injured, cover is available for all necessary medical/hospital expenses.
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.
Our Frequent Traveller policy allows you to take as many trips to the Pacific and other destinations under the one policy for 12 months - and enjoy comprehensive cover on each one.
Find out more about our annual travel insurance policies here.
Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in the Pacific are cyclones, storms, and flooding. 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.
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).
Overseas Emergency Medical Assistance: Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, and messages to family and hospital guarantees.
Overseas Emergency Medical And Hospital Expenses: Cover if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.
Dental Expenses: Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Accommodation & Travel Expenses: Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).
Family Emergency: Cover for additional travel expenses if your travelling companion, or a Relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.
Emergency Companion Cover: Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.
Resumption Of Journey: Cover for the cost of airfares for you to resume your journey if you return home because of the unexpected death or hospitalisation of a relative of yours.
Hospital Cash Allowance: Hospital Cash Allowance
Permanent Disability: A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.
Loss Of Income: A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.
Credit Card Fraud & Replacement: Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.
Travel Documents & Traveller's Cheques: Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
Theft Of Cash: Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders.
Luggage & Personal Effects: Cover for luggage and personal effects stolen, lost or damaged during travel. Common claims include luggage, personal effects, cameras, spectacles and a computer.
Luggage & Personal Effects Delay Expenses: Cover to purchase essential items of clothing and other personal items following Luggage delayed and Personal Effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.
Cancellation Fees And Lost Deposits: Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.
Disruption Of Journey: Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your journey is disrupted due to circumstances beyond your control.
Alternative Transport Expenses: Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements.
Personal Liability: Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Rental Vehicle Excess: Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; Stolen, crashed or damaged and/or cost of returning the rental vehicle due to you being unfit to do so.
The Pacific Islands are waiting – it's time for Aussies to explore this incredible and accessible part of the world!
Proximity and Accessibility
The Pacific Islands are just a short flight away from Australia, making them the perfect getaway for a quick, hassle-free vacation. Whether you're seeking a weekend escape or an extended holiday, the islands are easily reachable without long-haul travel.
Stunning Natural Beauty
From crystal-clear waters and pristine beaches to lush rainforests and towering volcanic landscapes, the Pacific Islands offer some of the most picturesque settings in the world. Whether you're snorkeling, hiking, or simply relaxing, the scenery is truly breathtaking.
Unique Culture and Traditions
Each Pacific Island boasts its own distinct culture, with rich traditions, welcoming locals, and vibrant festivals. Aussies can immerse themselves in new experiences, learning about ancient customs, delicious local cuisines, and island rhythms.
Outdoor Adventures and Water Sports
The Pacific Islands are a paradise for adventure seekers. With activities like scuba diving, surfing, kayaking, and hiking, there's something for everyone. The region's abundant marine life and diverse landscapes offer endless opportunities for exploration.
Affordable Getaways
Compared to other international destinations, the Pacific Islands often offer affordable accommodation, activities, and food options. Whether you're on a budget or looking for a luxurious escape, you can find a range of choices that fit your travel style and budget.
You wouldn’t be going to the Pacific if you weren’t going to be doing some activities. Find out about our Adventure & Sports Pack here.
All sorts of medical issues could affect your travel in the Pacific. Find out about pre-existing medical conditions, as well as pregnancy and emergencies.
We always recommend you read the PDS, but this page will give you an overview of what travel insurance will cover in the Pacific.
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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