Travel Insurance for a Year

One-Year Travel Insurance: Comprehensive Coverage for Extended Adventures

Planning an extended trip or multiple trips within a year? Travel Insurance Saver’s one-year travel insurance offers coverage options designed for travellers with long-term itineraries, covering you for up to 365 days. Whether you’re looking for single-trip, multi-trip, or medical-only coverage, one-year insurance protects you against unforeseen events, from medical expenses to travel disruptions. With 24/7 support provided by Chase Underwriting, you can focus on your journey, knowing support is available when you need it.

Key Coverage Options for One-Year Travel Insurance

1. Multi-Trip vs. Single-Trip Policies

• Multi-Trip One-Year Insurance: Ideal for frequent travellers, this policy may provide unlimited trips within the policy year, covering medical expenses, trip cancellations, personal belongings, and personal liability. Each trip duration is capped depending on the policy limits, but you benefit from consistent coverage across multiple destinations.
• Single-Trip One-Year Insurance: Designed for travellers embarking on a single extended journey, this plan covers up to 365 days with comprehensive benefits, including emergency medical care, evacuation, and coverage for trip cancellations, loss of baggage, and delays.

2. Comprehensive One-Way Coverage

 One-way coverage is also available under the one-year insurance plan for travellers with no set return date to Australia. Comprehensive one-way coverage may include:

• Emergency Medical Assistance and Hospitalisation: Unlimited coverage for medical expenses and necessary hospital care.
• Repatriation and Medical Evacuation: Medical transport back to Australia if required.
• Coverage for Delayed or Lost Baggage: Protection for personal belongings, with compensation for lost or damaged items during travel.
• 24/7 Emergency Assistance through Chase Underwriting: Professional support for all emergency medical and logistical needs throughout your journey.

3. Medical-Only Coverage for Extended Adventure Travel

 Medical-only plans are suited for travellers focused on health-related risks, particularly when engaging in adventure activities:

• Emergency Medical Treatment: Unlimited emergency medical treatment, surgical services, and hospital expenses.
• Medical Repatriation: Evacuation to your home country if medically necessary.
• Coverage for Adventure Activities: Various adventure and leisure activities are included, such as snorkelling, bungee jumping, and hiking (up to specified altitude limits).

Adventure Activities Covered and Exclusions

Travel Insurance Saver’s policies automatically include a range of activities at no extra cost:

• Automatically Covered Activities: Skiing (on piste), snorkelling, surface water sports, bungee jumping, hot-air ballooning, hiking (up to 3,000 metres without specialist equipment), and zip-lining (Australia and New Zealand only).
• Excluded Activities: Certain activities, such as downhill mountain biking, powerlifting, and contact sports, are not covered unless specifically added to the policy. Coverage may be requested for additional activities by contacting Travel Insurance Saver.

Optional Add-Ons for Extended Coverage

1. Snow Sports Travel Insurance Quote

• Coverage for On-Piste Activities: Medical protection for injuries sustained while skiing or snowboarding on groomed slopes.
• Equipment Protection: Reimbursement for lost or damaged snow sports equipment.
• Weather-Related Cancellations: Reimbursement for trip cancellations due to adverse weather affecting snow sports activities.

2. Cruise Cover Travel Insurance Quote

• Medical Assistance Onboard: Comprehensive medical coverage for emergencies that occur while cruising.
• Missed Ports and Shore Excursion Cancellations: Reimbursement for missed ports and prepaid excursions due to medical issues.
• Cabin Confinement: Compensation if confined to your cabin due to illness.

3. COVID-19 Travel Insurance Quote

• Medical Coverage for COVID-19 Treatment: Covers treatment and hospitalisation costs if diagnosed during travel.
• Trip Cancellation and Quarantine: Compensation for costs incurred due to COVID-19-related cancellations or mandatory quarantine.

What’s Covered and What’s Not for Medical Expenses

Travel Insurance Saver’s one-year insurance may provide extensive medical coverage, though certain exclusions apply:

• Covered: Emergency medical expenses, medical evacuation, COVID-19 treatment (with add-on), and adventure activities as specified.
• Not Covered: Excluded activities, pre-existing conditions not declared, reckless behaviour, and losses due to unattended belongings.

For specific conditions, such as asthma or controlled diabetes, coverage may be provided automatically if criteria are met. A medical screening process is available to assess additional conditions for coverage.

24/7 Emergency Assistance with Chase Underwriting

Travel Insurance Saver policies include 24/7 emergency assistance from Chase Underwriting. The team offers round-the-clock support for medical emergencies, logistical coordination, and repatriation, giving you the support needed wherever you travel.

Frequently Asked Questions (FAQ) on One-Year Travel Insurance

What details are required to get a quote for one-year travel insurance?
You’ll need to provide your age, travel destination, trip duration, and any add-ons (COVID-19, snow sports, or cruise cover) to receive a tailored quote.

Are adventure activities automatically included?
Yes, several activities are automatically covered. For additional activities not listed, you can contact Travel Insurance Saver for possible add-ons.

Can I add specific coverage like snow sports or cruise cover while abroad?
Optional coverage for snow sports or cruises can be added when obtaining a quote online or before departure.

Does one-year travel insurance cover medical repatriation?
Yes, both comprehensive and medical-only plans include medical repatriation if medically necessary.

How do I access emergency support while abroad?
Emergency support is available 24/7 through Chase Underwriting. Contact details are provided in your policy documentation.