Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Are you going overseas to do a two-year working holiday visa? Perhaps you’ve decided to study abroad, or you’re taking a gap year to backpack the world, but 12 months just doesn’t seem long enough.
If you’re searching for longer-term travel insurance you're probably finding it tricky! Most standard single trip policies in Australia only provide cover for a maximum of 12 months in duration. But we're here to help you find cover for longer :)
If you do some research, you’ll find some policies will cover for longer - up to 18 months to two years in duration. There are also a handful of providers that will let you extend for a second year if your first annual policy has not expired. Our table explains where you can find longer stay travel insurance without having to do all the legwork.
|Insurer||Underwriter||Second Year Extension||Max Policy Length||Go To Insurer|
|Columbus Direct||Certain underwriters at Lloyd's||12 months|
|Cover-More||Zurich Australian Insurance Limited||18 months
(excluding Americas and Africa)
|Downunder||Certain underwriters at Lloyd's||2 years
|Easy Travel Insurance||Zurich Australian Insurance Limited||12 months|
|Fast Cover||Hollard Insurance Company Pty Ltd||2 years
|Go insurance||Certain underwriters at Lloyd's||12 months|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||18 months|
|iTrek||Certain underwriters at Lloyd's||2 years
(UK, USA and Canada only)
|Travel Insurance Saver||Pacific International Insurance||2 years|
|Worldcare||Allianz Australia Insurance Limited||12 months|
Whether you're heading on a working-travel 2-year break, or just after an adventure and can't wait to escape, it's vital to have insurance to protect you when you travel. Especially so if it's for a long period of time. No matter if you buy a two-year policy straight up, or decide to extend once you're already overseas, make sure you do thorough research to ensure you pick the perfect policy for your upcoming holiday.
Having travel insurance for your trip doesn't just help you get your visa. A comprehensive travel insurance policy offers emergency medical coverage, luggage cover, and benefits if your trip is cancelled or delayed due to reasons like illness, injury, family emergencies and natural disasters.
Generally speaking, you're looking for single trip policies, as opposed to annual policies. Annual policies cover you for a year, but typically for only 15-60 days at a time. So unless you're coming back to Australia every few weeks, single trip policies may work better. As to which brand - this will depend on you and your circumstances. If you're coming back to Australia for Christmas and have your flights booked, you may want to look for two single trip policies, or if you're staying overseas for two full years, the Canada two year visa may require you to have insurance for the full two years.
Planning to go scuba diving, rock climbing, or other adventurous activity on your long-stay holiday? Each policy covers different activities, and some allow you to add on selected activities for an additional premium. For more information, see our adventure activities travel insurance page.
Most travel insurance policies let you extend your policy either online or over the phone, up to a maximum duration of 12 months from the original start date. However, brands like InsureandGo, Cover-More, iTrek and FastCover offer some policies which last up to 18 months to 2 years, depending on your destination.
Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.