Annual trip travel insurance

If you’re planning on taking several trips a year, our Annual Multi-Trip policy might be a more cost (and time) effective choice than shopping around for travel insurance every time you travel. Once purchased, you’re covered for an unlimited number of return journeys overseas, over a period of 12 months commencing on your start date of insurance. You can choose to have journeys covered up to a maximum of 30, 60 or 90 days in length.

So if you’re planning to go on several trips this year, you could buy just one policy to get cover for a year’s worth of adventure.

If you buy a family Annual Multi-Trip Policy, the adults on the Certificate of Insurance can travel independently, however any dependent children named on the Certificate of Insurance are only covered if travelling with an adult named on the same Certificate of Insurance.

Individual cover
Family cover
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Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited cover
Unlimited cover
Medical treatment
Unlimited
Unlimited
24 hour emergency assistance
Unlimited
Unlimited
Medical evacuation
Unlimited
Unlimited
Medical repatriation
Unlimited
Unlimited
Emergency dental treatment
Cover per person, per journey.
$750
$750
Cash allowance after 72 hours in hospital
$100 per 24 hours. Cover per person, per journey.
$3,000
$3,000
Accompanying person
$5,000
$5,000
Funeral expenses or return of mortal remains
Cover per deceased person. No excess applies.
$15,000
$15,000
Related to terrorism
$100,000
$100,000
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Cancelling or changing your journey before you leave

Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.

$2,500
Options to increase up to Unlimited
$5,000
Options to increase up to Unlimited
Cancelling your journey
$2,500
Options to increase up to Unlimited
$5,000
Options to increase up to Unlimited
Changes before you leave
$2,500
Options to increase up to Unlimited
$5,000
Options to increase up to Unlimited
Frequent flyer points
Limits apply.
$5,000
$5,000
Existing conditions of a relevant person
Limits apply.
$5,000
$5,000
Delayed journey to a special event
Per person limits apply.
$6,000
$6,000
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Changes to your journey once you have left

Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to Australia.

$50,000
$100,000
Changes once you have left
$50,000
$100,000
Cutting your journey short
$50,000
$100,000
Travel interruption
After 12 hours delay.
$30,000
$30,000
Frequent flyer points
Limits apply.
$5,000
$5,000
Existing conditions of a relevant person
Limits apply.
$5,000
$5,000
Delayed journey to a special event
Per person limits apply.
$6,000
$6,000
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Baggage & personal items

Cover for lost, stolen or damaged items and help to purchase essential items of clothing and personal effects, if your bags are delayed, misdirected or misplaced for 12 hours or more.

$25,000
$50,000
Jewellery and watches
Up to $1,500 per unspecified item.
$2,500
$2,500
Laptops, personal computers, tablets, cameras
Up to $3,000 per unspecified item.
$10,000
$10,000
Other items
Up to $1,500 per unspecified item.
$25,000
$50,000
Optional: Specified items
Up to $10,000 per specified item.
$15,000
$15,000
Baggage delay
After 12 hours delay. Per person limits apply.
$5,000
$5,000
Essential medication
Per person, per journey.
$500
$5,000
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Cash, bank cards, travel documents and passports

Includes cover to replace lost, stolen or damaged bank cards, travel documents and passports, and to replace lost or stolen cash

$1,000
$2,000
Bank cards, travel documents and passports
$1,000
$1,000
Cash
$500
$500
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Personal accident

Includes financial support for you or your loved ones if you’re injured whilst on your journey

$25,000
$50,000
Loss of income 16 – 80 years
Up to $500 per week. Per person limits apply. No excess applies.
$13,000
$13,000
Total permanent disablement 16 – 80 years
A one-off payment. No excess applies.
$25,000
$50,000
Loss of life 16 – 80 years
A one-off payment. No excess applies.
$25,000
$50,000
Loss of income under 16 or over 80 years
Up to $500 per week. No excess applies.
$1,000
$1,000
Total permanent disablement under 16 or over 80 years
A one-off payment. No excess applies.
$1,000
$1,000
Loss of life under 16 or over 80 years
A one-off payment. No excess applies.
$1,000
$1,000
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Rental vehicle excess

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged. No excess applies.

$5,000
$5,000
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Personal liability

Cover towards legal liability for damages, compensation and legal expenses. No excess applies.

$1,000,000
$1,000,000
Optional: Moped and motorbike cover
As per relevant section of the policy.
As per relevant section of the policy.
Optional: Skiing and snowboarding cover
As per relevant section of the policy.
As per relevant section of the policy.

This table is a summary of the TravelCare policy benefits and shows the maximum cover per journey (unless cover otherwise stated). Individual applies to one adult or child, or one adult and any dependent children. Family applies to two adults, or two adults and any dependent children. The excess you select applies per unexpected event (unless otherwise stated).

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.

 

Reviews and awards

You can read customer reviews for our travel insurance on Australia’s largest independent review site, ProductReview. We’re proud to have achieved a 4.7/5 star rating (reviewed on 11th September 2018) from over 2,100 customer reviews, with the vast majority of customers rating us as excellent.

In fact, this outstanding rating led us to win the Product Review Travel Insurance Award 2017. We're also proud to have also won several travel insurance awards.

 

Tips for frequent travellers

Whether it’s a certain spot in the airport where you can unwind between flights, or a theft-proof backpack, simple things can remove the stress of travelling. Here are three simple tips for frequent travellers:

 

1. Focus on your health

With long haul flights, jet lag, changes in climate and high stress levels, it’s no surprise that travelling can take a toll on your health.

Always focus on your health while travelling, which may mean skipping the airport bar and getting an early night the day before you fly. Stay hydrated and bring healthy snacks on board the plane. But remember, buy these when on the other side of the customs check, otherwise they’ll be confiscated.

 

2. Beat the queues

Most travellers will automatically flock to the shortest line at customs or immigration. However, you may be better off looking at the speed of the employee rather than the length of the line.

Be smart about picking the time and date of your travel. A quick online search will help you find out when the peak travel times are for the airports you’ll be passing through, so you know what days and times of the week to avoid.

 

3. Check the departure zone for taxis

If you get to the arrivals gate and find a taxi queue 500 people long, it might be worth heading to departures instead (if it’s close by). The departures area will be rich in empty taxis, whose passengers have just left to enter the airport.