Annual Multi‑Trip travel insurance for Australians

One policy to help cover a year of overseas trips from Australia 

If you’re planning more than one overseas trip this year our Annual Multi-trip policy makes travel insurance easy. Instead of organising cover every time you book flights, you can set it up once and enjoy the convenience of having protection in place for the whole year. Designed for Australians who travel frequently, it gives one policy that provides cover for the whole year, so you can book flights and plan adventures without needing to arrange travel insurance each time you go away.  

Once your policy starts, cover applies for an unlimited number of overseas return trips over 12 months. That means more freedom to book flights, plan or take spontaneous getaways, knowing your travel insurance is already sorted. 

 

Get an Annual Multi-trip quote

 

How Annual Multi-trip travel insurance works for Australians

Annual Multi-trip cover is set up to suit Australians who travel regularly. 

Here’s the quick version: 

  • Choose your start date and your maximum trip length option. This is the maximum number of days we’ll help cover for each trip you make within 12 months. 
  • Select your excess amount. This is the amount deducted from a claim payment if you need to make a claim. You can choose the option that best suits your travel style and budget. The default excess is $200. You can choose between $0, $100 and $200.  
  • Choose your cancellation cover amount, you have the option of $2,500, $5,000, $10,000 or Unlimited. You can choose to increase the maximum amount of cover you have, in case you need to cancel or change your trip before you set off. 
  • Travel overseas as often as you like during the 12 month period.
  • Each trip is a return journey and your cover applies to each journey you take.  


This is a convenient option if your year includes multiple overseas holidays, repeat work travel, or a mix of both. 

 

Pick the trip length that matches how Australians travel 

Not every Australian traveller takes the same kind of trips, so you can choose the maximum duration that suits how you like to travel, whether it’s a short family break in Bali, a quick getaway to Queenstown, or a longer European adventure exploring iconic cities and hidden gems. 

  • Up to 30 days
  • Up to 60 days
  • Up to 90 days  

If you’re planning several overseas trips this year, you can take out one policy and get cover across a full year of travel.  

 

What’s included in Annual Multi-trip cover  

All limits shown apply to each journey.  

The excess you select applies per unexpected event (unless otherwise stated).  
Subject to policy's eligibility criteria, limits, terms, conditions, exclusions, excesses and sub-limits, the policy may cover: 

  • Medical and evacuation (Unlimited), including medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport, plus 24‑hour emergency assistance, qualified medical advisers, guarantees for medical expenses and contact with family.  
  • Cancelling or changing your journey before you leave: $2,500, with options to increase up to Unlimited, including cancellation fees and prepaid travel costs if your trip is cancelled or changed due to illness, injury or natural disaster.  
  • Changes to your journey once you have left: $50,000 for transport, accommodation, meals, activities and tour costs if you can’t reach your next destination on time or need to cut your trip short and return to Australia.  
  • Baggage and personal items: $25,000 for lost, stolen or damaged items, plus help to purchase essential clothing and toiletries if bags are delayed, misdirected or misplaced for 12 hours or more.  
    - Up to $1,500 per item, per person (depreciation applies).
    - Unspecified mobile phones, laptops, personal computers, tablets and cameras  (including related accessories) up to $3,000 per item, per person (depreciation applies).  
  • Personal accident (16–80 years): $50,000.  
  • Personal liability: $1,000,000 (no excess applies).  
  • Rental vehicle excess: $10,000 (no excess applies).  
  • Optional cover available for moped and motorbike, skiing and snowboarding, and cruise (as per relevant policy sections).  
Maximum cover
medical
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
Medical treatment
Unlimited
24 hour emergency assistance
Unlimited
Medical evacuation
Unlimited
Medical repatriation
Unlimited
Emergency dental treatment
For each person.
$2,000
Cash allowance while in hospital (after 3 consecutive days)
$100 for each day. For each person.
$3,000
Accompanying person
For each person
Unlimited
Funeral expenses or return of mortal remains
For each deceased person. No excess applies.
$50,000
Related to terrorism
For each person.
$100,000
cancelling your journey
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
Cancelling your journey
For each person.
$2,500
Options to increase up to Unlimited
Changes before you leave
For each person.
$2,500
Options to increase up to Unlimited
Existing conditions of a relevant person
For each person.
$2,500
Delayed journey to a special event
For each person.
$2,500
changing your journey
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
Changes once you have left
For each person.
$50,000
Cutting your journey short
For each person.
$50,000
Travel interruption
For each person.
$30,000
Existing conditions of a relevant person
For each person.
$2,500
Delayed journey to a special event
For each person.
$2,500
Pet Services
Up to $100 a day, for each person
$1,000
Childcare expenses
Up to $100 a day, for each person
$1,000
baggage
Baggage & personal items

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

$25,000
Unspecified jewellery and watches
Up to $1,500 for each item, for each person. Depreciation applies.
$2,500
Unspecified mobile phones, laptops, personal computers, tablets, cameras (including related accessories)
Up to $3,000 for each item, for each person. Depreciation applies.
$10,000
Other unspecified items
Up to $1,500 for each item, for each person. Depreciation applies.
$25,000
Optional: Specified items
Up to $10,000 for each item, for each person.
$15,000
Baggage delay
For each person.
$1,000
Essential medication
For each person.
$500
Lost, stolen or damaged bank cards, travel documents and passports
For each person.
$1,000
Lost or stolen cash
For each person.
$500
personal accident
Personal accident (16-80 years)

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

$50,000
Loss of income
For each injured person. No excess applies.
$6,500
Total permanent disablement
For each injured person. No excess applies.
$50,000
Loss of life
For each deceased person. No excess applies.
$50,000
personal liability
Personal liability

Cover towards legal liability for damages, compensation and legal expenses.
For each paying person
No excess applies

$1,000,000
rentalvehicle
Rental vehicle excess

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

$10,000
moped
Optional: Moped and motorbike cover
As per relevant section of the policy.
skier
Optional: Skiing and snowboarding cover
As per relevant section of the policy.
cruise
Optional: Cruise cover
As per relevant section of the policy.

This table is a summary of the International Comprehensive Annual Multi-trip policy benefits and shows the maximum cover for each person (unless cover otherwise stated).

Dependent children don’t have their own sub-limits but share the sub-limit with adults on the policy who they are dependent on. The excess you select applies per unexpected event (unless otherwise stated).

 

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.


What you need to know

This page includes some information about our products but, as with all insurance policies, eligibility criteria, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure our travel insurance products are right for you.  

You can find the relevant documents here: International Comprehensive, Annual Multi-trip, International Medical Only, Working Overseas, Domestic.