1st for Women Travel Insurance

1st for Women

With an increasing number of Australian women taking out and paying for their own insurance policies, it only makes sense to have a provider that focuses on the needs of female travellers. If you’re looking for travel insurance for your next overseas trip, read on for more information on 1st for Women Insurance and the policies they offer.

About 1st for Women

1st for Women is an Australian insurance provider that offers products tailor-made to suit the needs of Aussie women. All 1st for Women Policies are underwritten by Auto & General Insurance Company Limited, an Australian insurance company regulated by APRA and a member of the Insurance Council of Australia.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

1st for Women travel insurance plans

Depending on your travel plans, you can choose from different levels of cover such as comprehensive, essential, last minute, domestic or annual multi-trip. Here’s a list of travel insurance options offered by 1st for Women that you can consider for your next overseas trip:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Last Minute

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $2,500

    • $5,000

    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $12,500

    • Events
    • $5,000

    • $12,500

    • $1,000

    • $2,500

    • $2,500

    • $2,500

    • $4,000

    • $2,500

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • $40,000

    • $40,000

    • $3,000

    • $2,500

    • $20,000

    • $40,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
    • Annual Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • $40,000

    • $40,000

    • $3,000

    • $2,500

    • $20,000

    • $40,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Frequently asked questions about 1st for Women insurance

Q1. What am I covered for when I take out travel insurance with 1st for Women?

Depending on the level of cover you purchase, you could have the following benefits when you take out travel insurance with 1st for Women:


Q2. What pre-existing conditions are covered under 1st for Women Insurance?

1st for Women covers a wide range of pre-existing medical conditions provided you have not been hospitalised (including day surgery or attended the emergency department) for that condition in the past 24 months. Some of the pre-existing conditions included in your insurance are, asthma, diabetes, high blood pressure, epilepsy and cataract. But every it’s always advisable to read the policy document to make sure there are no exclusions to your specific situation.  


Q3. What about pregnancy?

Given that 1st for Women Insurance caters especially to the needs of female travellers, it does not consider pregnancy or childbirth to be an illness or injury. That’s why your travel insurance policy covers you if you’re pregnant and something unexpected happens, specifically injuries to the body, an illness that was not expected or complications of pregnancy and childbirth. Complications of pregnancy and childbirth include situations like stillbirth, miscarriage, emergency caesarean section and premature birth more than 8 weeks.


Q4. What are the activities covered under the winter sports travel insurance?

If you buy the additional Snow Sports upgrade, you’ll be covered for the following winter activities:

Q5. What is the age limit for purchasing a travel insurance policy with 1st for Women? 


1st for Women policy fine print quick guide

While it’s important to pick a travel insurance policy that has all the relevant inclusions, it’s equally essential to make sure you’re familiar with the fine print and possible exclusions. Here’s a quick checklist of things you need to know to make sure your claim with 1st for Women is processed smoothly:   

Pre-existing conditions

While 1st for Women covers a number of pre-existing conditions, if you fail to mention a condition that you’re aware of while buying the policy and you need to make a claim based on that, your claim could potentially be rejected. That’s why it’s important that you’re honest about any medical conditions with 1st for Women when you first apply for travel insurance. Read our guide to pre-existing medical conditions for more information.

Cancellations

Even if you’re covered for cancellation and amendment fees, you will not be covered in case there is a change in plans because you or your travelling companion change your mind and decide not to proceed with your original trip. Similarly, your claim for cancellation can be rejected if you are unable to travel due to a failure to obtain the passport or visa needed for the planned trip, or failing to check-in according to your itinerary or the times advised to you.

Overseas Medical and Hospital Fees

You will not be covered for any treatment or surgery which you do not need immediately and can wait until you return home.

Luggage and Personal Effects

You will not be covered for loss, theft or damage to sunglasses, dentures, paintings, household equipment, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (for example food).

How to make a claim with 1st for Women

To make a claim with 1st for Women, you can call the company’s helpline or send them an email. The claims form is easily available on their website. You must register any claim within 30 days of completion of your travel.

While making a travel insurance claim with 1st for Women, you’ll need to provide the following documents:



1st for Women customer reviews

Read how the Mozo community has rated 1st for Women Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

1st for Women travel insurance

Overall 6.7*

Value for money

Trust

15 Reviews

* Overall rating based on reviews in the past 12 months.

Recent 1st for Women travel insurance reviews Recent 1st for Women travel insurance reviews

1st for Women

1st for Women travel insurance review

Overall rating   5 / 10

No issues to with the service

No problem as yet.

Full review

No problem as yet.

    Value for money   4 / 10

    Trust   3 / 10

Less

Tamara (NSW), reviewed about 1 year ago

1st for Women

1st for Women travel insurance review

Overall rating   8 / 10

Funny

This is awesome and mostly fun.

Full review

This is awesome and mostly fun.

    Value for money   8 / 10

    Trust   8 / 10

Less

Sarah (NT), reviewed over 1 year ago

1st for Women

1st for Women travel insurance review

Overall rating   3 / 10

1st for Women

It's OK I guess. Competitive premiums and OK customer service.

Full review

It's OK I guess. Competitive premiums and OK customer service.

    Value for money   1 / 10

    Trust   2 / 10

Less

Laura (VIC), reviewed over 2 years ago

1st for Women

1st for Women travel insurance review

Overall rating   10 / 10

Brilliant!!

I laughed when I was advised about getting travel insurance on my first trip to Bali at 18. I mean come on I was freshly turned 18, I knew what's best, I remember saying, I am an adult now. And not stupid!! We know 'everything' at that age. Or so...

Full review

I laughed when I was advised about getting travel insurance on my first trip to Bali at 18. I mean come on I was freshly turned 18, I knew what's best, I remember saying, I am an adult now. And not stupid!! We know 'everything' at that age. Or so I thought. In a foreign country medical care is limited and very expensive, thus the reasoning behind these policies. Luckily for me I eventually listened to my wise mother and was covered with insurance, mainly to shut her up. Turns out 'she told me so' literally. I will never ever live it down as long as I live! :) All jokes aside, my insurance company not only took a massive unforeseeable stress of me and my family, they also helped me with my slightly damaged pride :D .. And also saved my holiday from a bad regrettable early ending. I would recommend them to anybody sincerely, I think it was top class service and I couldn't possible have asked for more!

    Value for money   8 / 10

    Trust   10 / 10

Less

Jodie , reviewed over 2 years ago

1st for Women

1st for Women travel insurance review

Overall rating   4 / 10

Great service

I think they are honest and cheap.

Full review

I think they are honest and cheap.

    Value for money   7 / 10

    Trust   4 / 10

Less

Taddy (ACT), reviewed over 2 years ago

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Compare 1st for Women policies with other Australian Insurers

1st for Women offers a range of competitive policies for Australian travellers, but it’s always advisable to weigh all your options before making a purchase. You can easily compare 1st for Women with other travel insurance providers using Mozo’s travel insurance comparison tool. All you need to do is type in some basic travel information like your destination, travel dates and number of travellers and you’ll get a list of providers in a matter of seconds.

Once you’ve picked a policy, also take a look at our detailed money savvy travel tips from real travellers in our best $20 series or head to our travel section for ways to plan a money-smart holiday.

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