multitrip travel insurance australia

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Annual travel Insurance Quotes

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.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

We compare quotes from over 25 travel insurance brands in Australia. Do your comparison online to save time, worry and loads of money.

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Travel agents and airlines charge huge commissions. We don’t! Our frequent travel insurance comparison is free to use. You'll be directed to the insurer's website to buy travel insurance without any sneaky charges. We promise!

Great Prices

If you have a serious case of wanderlust, an annual policy might be just the ticket for you. Get cover for an unlimited number of trips in 12 months for one price. You’ll be sure to save a bucket too!

Product Choice

We compare heaps of policies for all types of travellers from some of Australia’s most reputable travel insurers. We compare  25+ insurance brands  including, 1Cover, Amex, Budget Direct, Zoom & more!

The world is your oyster

Want annual cover, but not 100% sure where you’re going over the course of the year? No worries, just buy a Worldwide policy and you’re free to roam wherever and whenever you wish. #wanderlust

Frequent Flyers Points

Jetsetters can find a policy that will cover for flight cancellations (for unforeseen reasons) even if tickets were booked using points.

Spontaneous Trips

Lightbulb moment - lets go on holiday!! With an annual policy you don’t need to tell your insurer each time you travel. Say hello to spontaneity :)

Travel Insurance Extraordinarie At Your Service

So many places to go and such little time! Eugene has the answers to all sorts of travel insurance quirks to save you time, worry and loads of money. Use our quick search for frequent travellers below.

what is annual travel insurance?

An annual travel insurance policy is for travellers who leave home multiple times a year on shorter trips. This differs from a year-long single trip policy, which provides continuous cover for you to be away from home for one twelve-month long trip. Annual travel insurance policies have different maximum trip duration limits - that is, the maximum number of days you can spend overseas before you have to come home again. For example, if you purchase a 30-day annual travel insurance policy, you can go on a ten-day trip to Bali for a friend's wedding in April, go on a seven-day Pacific cruise in July, go trekking for three weeks in New Zealand and have a month-long break over Christmas in the USA, and they can all be covered under the one policy. Check out our guide on annual travel insurance and the limits that apply. If you don’t know where you’re travelling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the appropriate region for your trip. Stopovers of less than 48 hours generally do not need to be included (excluding USA and Canada). Worldwide  means anywhere in the world Americas  means USA, Canada, South America, Latin America, Hawaii and the Caribbean Europe  means all European countries, including UK Middle East  refers to the area from Syria to Yemen; Egypt to Iran Asia  generally means Asia and the Indian subcontinent. For some insurers, this excludes Japan* Pacific  means the South-West Pacific, New Zealand and Indonesia/Bali*. Select Pacific for domestic cruises in Australian waters Australia  means domestic travel within Australia only *Some variances apply for Bali, Indonesia, Japan and the Middle East. Check that your destination is covered once directed to your chosen insurer’s site. Depending on your circumstances, such as your age, and your trip durations and destinations, it can sometimes be cheaper to buy two or three single trip policies than an annual policy, so there are savings to be made by shopping around and comparing your options. Are you a frequent traveller considering an annual travel insurance policy? Check out our top tips for regular jetsetters:

Tips for frequent travellers

What activities are covered?

Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!

Annual travel insurance guide

Taking two or more flights per year?  An annual multi-trip policy is the convenient way to be covered all year round, no matter where you travel.  Learn the ins and outs of annual travel insurance with our guide.

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

Annual INSURANCE faqS

What does annual travel insurance mean.

This may seem like a silly question, but believe it or not, it confuses a lot of travellers! A multi-trip policy, also known as a frequent traveller policy covers you for an unlimited number of short trips throughout the year. Not to be confused with a single-trip policy which is one trip that lasts anywhere from 2 days to 12 months in duration.

Can I buy an annual multi-trip policy at any age?

No, annual multi-trip policies tend to have age limits of around 65 years. Check out our annual travel insurance guide to learn more. Use our quote box above to compare frequent traveller policies to see what cover is available for your age.

How many trips can I take a year with annual cover?

As many as you like! That's the beauty of this product. There are no restrictions on the number of holidays you can take in a year, and you don't even need to tell your insurer each time you take a trip. 

Are there trip duration limits?

Yes, that's the catch! When purchasing an annual policy, you must allocate a maximum trip duration which means you cannot go on holiday for more days than specified. See our guide for annual policy trip limits .

Am I covered for business and leisure trips?

Most insurers cover you whether you're travelling for business or pleasure but the benefits may vary. There’s no “one-size-fits-all” travel insurance for business travellers  so it would pay to contact your insurer directly if you had something specific in mind.  Some insurers offer annual business or corporate travel insurance and b usiness equipment may not be covered under personal policies if you're not personally out of pocket. What pre-existing illnesses does frequent travel insurance cover?

Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medical condition not listed, you may be able to get cover for an additional fee.  If you develop an illness lets say six months into your annual policy, you must tell your insurer as that condition would be considered pre-existing the next time you decide to take a trip. See more about pre-existing conditions and medical assessments here. 

Travel Insurance Reviews

If you're travelling with one travel insurance policy for a whole year, you're going to want peace of mind that you've got the right one for you and your needs. So if you've read the PDS and still can't decide, consider checking out the thousands of reviews left by Aussie travellers about their experience with their travel insurer. Were they helpful on the phone? Was their website easy to use? And most importantly, how did they go when customers needed to claim?  

If you're a frequent traveller, $1000 cash might come in handy, so if you've had a positive or negative experience with your travel insurer, let us know and you'll go in the draw to win! Terms and conditions apply.

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Annual Multi-Trip Travel Insurance

• Worldcare Travel Insurance
• Multi-Trip Travel Insurance

Our Multi-Trip insurance is designed to cover you for multiple journeys within a 12 month period subject to each journey being within the maximum trip duration you select. 

This policy is designed to cover additional expenses if you become sick or are unable to travel, and extends to your accompanying spouse and dependants, listed on the Certificate of Insurance. Cover for lost luggage (including laptops, tablet computers, cameras, mobile phones and electronic gadgets — limits apply*) is also included. Stolen cash and stolen travel documents are included in the international policy*.

We also offer rental vehicle excess cover, designed to cover the excess specified in the rental agreement or the property damage you're liable to pay if you have an accident while driving a rental vehicle, or it is damaged or stolen while in your custody*.

Each journey made on a Multi-Trip plan must start and finish in Australia, and the maximum journey period for any one trip is either 15 days, 30 days or 45 days, as selected by you.

The Multi-Trip plan may cover you for both international and domestic journeys, however, any travel within Australia must include a destination at least 250 kilometres from your home.

Our Multi-trip Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued.

*Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to the Product Disclosure Statement for details.

What’s covered with Worldcare’s Multi-trip Travel Insurance?

• Overseas Emergency Assistance^
• Overseas Medical and Hospital Expenses^
• Funeral Expenses^
• Accidental Death
• Permanent Disability^#
• Choice of the level of cancellation cover you require, from the moment you purchase your policy*^^
• Travel Delay Expenses*
• Alternative Transport Expenses^
• Lost, stolen or damaged luggage, personal effects and valuables*
• If your travel documents (including passports), transaction cards or travellers cheques are lost, stolen or destroyed^
• Theft of Cash
• Rental vehicle excess cover
• Personal Liability#

This is a summary of the cover provided. Terms, conditions, exclusions, limits and applicable sub-limits apply; refer to the  Product Disclosure Statement  for details.

^You do not have cover under this benefit while travelling in Australia.

#You will not have cover under Benefits 1.5 Permanent Disability and 6.1 Personal Liability for any claims arising from your participation in any activities listed under Adventure Pack or your participation in snow sport activities.

*Sub-limits apply — refer to the Policy Benefits section of the Product Disclosure Statement for details.

^^A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation.

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Travel Insurance Products

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Travel Insurance For

• Worldwide Travel Insurance
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Travel Insurance Products  

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Worldcare and Allianz Global Assistance are trading names of AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (AGA) which issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision please consider the  Product Disclosure Statement . The Target Market Determination is available at https://www.allianz-partners.com/en_AU/policies-and-services.html . AGA receives a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing.

© 2023 AWP Australia Pty Ltd ABN 52 097 227 177. All rights reserved.

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Annual Multi-Trip Travel Insurance

Planning multiple getaways doesn’t mean you need separate travel policies. Stay covered on the trips you take within 12 months with RACV Annual Multi-Trip Travel Insurance.

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What is annual multi-trip travel insurance?

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you. RACV Annual Multi-Trip Travel Insurance gives you and your family an unlimited number of trips for a full year - on trips where you travel more than 250km from home. 

Whether you’re travelling solo or with your family, for fun or for business, an annual travel policy can provide cover when you need it most.

RACV Members get 15% off RACV Travel Insurance

Cover designed for your busy year

We all travel for different reasons, which is why RACV Annual Multi-Trip Travel Insurance can be tailored to your needs. Start by choosing your max duration limit of 30, 45 or 60 days per trip or choice of excess.

Once each trip is complete, the sum insured under each section in the annual travel insurance policy will be reinstated automatically.

Whether you need yearly holiday insurance for separate trips with your family or annual travel insurance for a year of domestic holiday’s or business trips around the world, these policies can provide you with coverage.

Yearly worldwide travel insurance

Whether you’re soaking up the sun in Spain or enjoying your leave in Thailand, annual travel insurance gives you cover on the important things. RACV Annual Multi-Trip Travel Insurance provides cover for:

• Cancellation fees and lost deposits #
• Overseas medical, hospital and dental #^^
• Emergency expenses #

Even for domestic travelling, if your destination is further than 250km from your home, you’re covered under the RACV Annual Multi-Trip Travel Insurance policy.

#Limits and sub-limits apply. Refer to the Product Disclosure Statement  for full details

^^This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Family cover for no extra cost (1)

Family holidays are a lot of fun, but they involve more preparations to ensure everyone travelling is protected. And with more luggage to potentially lose, getting cover for the whole family should be considered.

RACV Annual Multi-Trip Travel Insurance provides cover for your Dependent(s) at no extra cost when they travel with you. You just need to list each family member on the policy. Conditions apply. 1

1. Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Why choose RACV Annual Multi-Trip Travel Insurance?

Kids travel free.

Not all roads are travelled alone. That’s why these annual travel insurance plans keep your family covered for free when they travel with you. This includes your partner and Dependent(s). 1

Annual multi-trip benefits

These 12-month travel insurance policies seek to provide cover on your next holiday. From overseas medical, hospital and dental cover*, to insurance for luggage items* and cancellation fees*, annual multi-travel insurance provides the protection you need.

All year assistance

Travelling safely requires having reliable cover. And if you’ll be travelling regularly, annual travel insurance cover is there for you on each trip. With multiple inclusions and an international team available 24/7, you can depend on your cover all year round when you travel. 

*Limits and sub-limits apply. 

Frequent flyer? Make the most of your mileage with RACV travel tips

RACV summary of cover

RACV Annual Multi-Trip Travel Insurance provides year-long travel insurance for singles and families. Discover what’s included in the cover below.

Protect yourself and your family from the risks of travelling far from home with cover that stretches over multiple trips throughout the year. From overseas hospital fees to the costs that come from travel delays, RACV Annual Multi-Trip Travel Insurance covers you for unexpected holiday events and expenses.

Summary of Cover

Annual multi-trip (per adult).

Section 1 Cancellation Fees and Lost Deposits

1A: Unforeseen Circumstances#

$unlimited^^

1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#

1C: Emergency Worker Leave+ (Sub Limit)

Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses

2A: Overseas Medical and Hospital

$unlimited**

2C: Overseas Dental#+ (Sub Limit)

2G: Funeral Expenses Overseas*+ (Sub Limit)

Section 3: Luggage and Personal Money

3B: Travel Documents+ (Sub Limit)

3C: Luggage Delay+ (Sub Limit)

3E: Personal Money+ (Sub Limit)

Section 4: Emergency Expenses

4A: Emergency Expenses

4B: Resumption of Travel+ (Sub Limit)

4C: Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or  Your Travelling Companion’s Relative

$unlimited^^**

4D: Special Events

Section 5–24

5: Accidental Death*

6: Accidental Disability*

7: Your Legal Liability

$10,000,000

8: Rental Car Excess

9: Loss of Income

10: Financial Default

11: Domestic Pets^

12: Domestic Services ^

13: Travel Delay

Not Applicable

14: Hijack and Kidnap*

Ski and Winter Sports optional add-ons

15: Ski and Winter Sports Overseas Medical and Hospital

16: Equipment Hire^

17: Ski Pack^

18: Piste Closure^

19: Bad Weather and Avalanche^

20: Lift Pass*

COVID-19 Benefits

21: COVID-19 Overseas Medical and Hospital and Emergency Expenses#

22: COVID-19  Cancellation Fees and Lost Deposits

23: COVID-19  Additional Expenses# and Special Events

24: COVID-19 Travel Delay#

*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. *** Sub Limit and Policy Limit may apply – please refer to sections 1B and 4C in the PDS The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au . RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS . Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.

Luggage item limits

Insuring your luggage items with RACV Annual Multi-Trip Travel Insurance covers them for up to $15,000. Whether you’re travelling with your prized golf clubs or your laptop, these travel insurance policies take the sting out of losing expensive items. Discover the amounts for specific luggage items below.

Policy benefits

Annual multi-trip.

Medical Devices

RACV policy options and add-ons

When choosing your annual holiday insurance, the best cover will be tailored to your needs and situation. RACV Annual Multi-Trip Travel Insurance offers a range of policy options and extra benefits that you can add onto your plan – giving you the chance to create the cover that suits you best.

Whether you have medical conditions or are preparing for an adrenaline-filled ski trip, choosing the right add-ons can take a big risk out of your worldwide adventures. Find out what you can add to your yearly travel insurance policy below.

Cover for medical conditions

Travelling with medical conditions doesn’t mean you miss out on annual travel insurance cover. Check out the different conditions that are covered by RACV Travel Insurance policies  here , for all other conditions you can complete an online assessment to see if we can cover them as well.

Ski and winter sports cover

A ski holiday is a great way to cool off and get your blood pumping. If you’re planning a winter trip, the right add-on will keep you covered from injuries related to winter sports. Find out more about ski and winter sports and activities cover  here . 

Excess options

You can choose to vary your Excess, which is the amount you must pay if you have a claim. The Excess you choose will either increase or reduce your Premium. The Plan Type you select has the following Excess ranges:

• Annual Multi-Trip policy has a choice of $0, $100 or $250

Cruise cover

If you require cover for a Cruise, please select the Cruise option when purchasing a policy. This will determine the Premium you pay.

Cover for international river cruising is included automatically and you do not need to select the Cruise option.

Cruise Cover is required for all Ocean Voyages of more than one night.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

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International Sim Card

Airport Parking

International Driving Permit

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

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Multi-Trip Travel Insurance

Holidaying more than once a year? Compare multi-trip travel insurance with Savvy.

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Multi-trip travel insurance can be an incredibly handy part of your trip when you’re a frequent flyer, but finding the right policy isn’t always easy with so many options on the market. Fortunately, you can consider a variety of offers from our industry-leading insurance partners with Savvy.

We help you compare the key aspects of travel insurance, from the premiums you’ll pay to the inclusions and exclusions in place on a range of different policies. Before you pack your bags and take flight, start comparing multi-trip travel insurance with us with a free, no-obligation quote today.

What is multi-trip travel insurance and how does it work?

Multi-trip travel insurance (also known as annual travel insurance) is a type of policy which runs for 12 months and allows frequent travellers to be covered for multiple short-term domestic and international trips under the one agreement. In terms of what's covered, some insurers will offer the same benefits under the type of insurance as they do for standard travel insurance policies based around a single trip (with all trips required to start and end in Australia).

Insurance companies typically stipulate a certain number of travel days which you’re covered for over a year, whether you're taking international trips or travelling around Australia. Some offer coverage for up to 90 days per trip but this differs from insurer to insurer. Additionally, some may offer cover for an unlimited number of trips, though this can also vary between providers.

If you’re a mature-aged traveller, it may be harder to get an annual policy due to the age limits set by insurers for this type of coverage. Age restrictions are different for each lender, some lenders setting their maximum at 64 while others may allow those up to 99 years old to purchase a multi-trip policy (though this will be subject to other eligibility requirements set in place by your lender).

What does multi-trip travel insurance cover?

Annual travel insurance can cover you for a range of costs as part of your trip up to an amount stipulated in your policy. All coverage in all policies will be subject to meeting other qualification criteria specific to your lender, however, which is important to consider before you buy. Some of the common benefits of multi-trip travel insurance can include:

• Medical treatment: you can be covered for hospital and medical expenses without limit with some insurers, including emergency evacuations. However, medical cover isn’t offered as part of domestic multi-trip policies.
• Cancellation: if you need to cancel your holiday due to illness or a family emergency, you may be able to be reimbursed for costs such as your flights, accommodation and other non-refundable bookings under your policy.
• Lost, stolen or damaged items: your insurer may be able to cover the cost of luggage, electronics and more which are lost, stolen or damaged up to a certain amount as outlined in your PDS.
• Personal liability: you can be covered against financial losses if you're found liable for an injury or illness caused to someone else or damage done to their property while you're away from home.
• Rental car excess: If you’re driving a hire car and have an accident, you can be covered for the cost of the excess on the repair of the vehicle, up to the amount specified in your insurance policy's terms and conditions (provided the event qualifies for coverage).
• Credit card or passport fraud: if your credit card or passport is stolen or used without your consent while you're overseas, you can be covered for the cost of replacing them up to your insurer's set limit.
• 24/7 emergency assistance: if you’re stuck in an emergency situation which your insurer deems claimable, you’ll be able to contact them day or night to get help covering urgent costs, such as medical expenses.
• Coverage for pre-existing conditions: the types of pre-existing conditions covered by travel insurance vary depending on who you choose and will be subject to a range of qualification criteria. However, while some can be included automatically, such as asthma or carpal tunnel syndrome, others may be excluded from coverage, such as cancer and diabetes.

If you’re taking out coverage for multiple trips, you may also be able add on several extras. These will cost more to include, but can offer cover for a range of activities which are deemed high-risk by insurance companies (provided they meet your insurers requirements), including:

• Motorcycle, moped or scooter riding
• Skiing or snow sports
• Contact sports
• Deep sea fishing
• Hiking or trekking
• Quad bike riding or driving all-terrain vehicles

How much does multi-trip travel insurance cost?

How much you pay for your travel insurance will depend on a range of factors, some of which include:

Age The older you are, the more expensive your travel insurance is likely to be. Insurance companies tend to increase the level of risk alongside your age, so you can expect to pay more for your premium depending on when you were born. For example, a 30-year-old is likely to pay less than a 60-year-old person, as they're considered at lesser risk of injury or illness while on holiday.

Destination The countries you choose to travel to will play a part in determining how much you pay on your premium. Countries with more expensive healthcare systems, such as the United States, will cost more in terms of premiums, as there's a greater risk of your insurer having to pay a larger sum to cover a claimable event.

Pre-existing conditions If you suffer from an ongoing medical condition which puts you at risk of requiring treatment while on your travels, it may be important to compare policies and see if you can find one which offers the cover your need. Those in ill health or at greater risk of a medical episode during their holiday will typically pay more for insurance.

Extra activities If you’re travelling to Europe and doing some bungee jumping or heading to Africa to rock climb, you’ll typically need to pay for extra coverage so you’re protected in the event something goes wrong. There are some travel insurance providers who offer extra coverage at an additional cost, covering you for a range of high-risk sports and activities such as scuba diving, hiking, trekking and martial arts (subject to the nature of your claim).

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

How do I compare multi-trip travel insurance?

Inclusions and exclusions.

When you compare insurers with Savvy, you’ll be able to get a crystal-clear idea of what’s included and what isn’t across different policies. This allows you to gain a greater understanding of which options afford you the most coverage where you need it.

The price of premiums

Getting quotes from a few different travel insurance providers will allow you to price-match and find the most affordable deal on the market. Although coverage is generally the most important factor to consider when buying travel insurance, it's also important to ensure you aren't overpaying for your coverage.

Policy limits

Travel insurance providers offer to cover the cost of a range of incidentals, from lost valuables to the excess on your rental car if a claimable incident takes place. However, it's important to consider what the claim limits are for different events under different policies. For example, one company may allow you to claim up to $10,000 for lost or stolen luggage while another may only cover you for up to $5,000, so it's worth considering what your needs are as a traveller. 

When you make a successful claim, you may need to pay an excess in order for your insurer to cover the remainder of the cost. This may range from $200 to $500 with some insurers, though there are situations where you may be required to pay a larger excess (such as if you're a senior) or none at all. As such, it's worthwhile considering your options when it comes to excess requirements.

Cooling-off periods

Most policies have a cooling-off period, which may range anywhere from 14 to 25 days. This allows you to cancel at any time within this window and receive a full refund, provided you haven't made any claims during this period. Choosing a provider with a longer cooling-off period means you’ll have a greater amount of time to opt out if you need to reconsider.

Top tips for saving money on multi-trip travel insurance

Compare with savvy.

You can compare some of the best multi-trip policies quickly and easily with Savvy. With trusted travel insurance partners from around Australia, we enable you to consider high-quality offers before you make your decision on which to buy.

Choose a higher excess

The higher your excess, the cheaper your premium is likely to be. Insurers generally allow you to choose your own excess and increasing it can reduce the upfront cost of your policy, as you’re showing your willingness to stump up more if a claim is made.

Consider your destination

As mentioned, some destinations are more expensive to insure than others, which is largely down to the cost of healthcare. For example, your premium may be more expensive if you’re travelling to America than the United Kingdom for this reason.

Purchase insurance early

Buying your travel insurance earlier may allow you to cover more costs down the track. While this won’t save you in upfront costs, it may save you money if you have your policy in place when a covered event forces you to cancel part, or all, of your trip.

Frequently asked multi-trip travel insurance questions

Getting a quote for annual travel insurance is a pretty straightforward process when you’re applying with Savvy. Simply fill out our quote form with information about your destination, length of trip, type of coverage, optional extras and more and you'll be able to instantly compare the range of available offers for the trip you're looking to book. 

It’s crucial to read through the Product Disclosure Statements (PDS) so you’re aware of the terms and conditions and inclusions and exclusions. If you decide one of these offers is suited to you, you can simply purchase it online via their site.

When making a claim, you’ll need to provide evidence to support your claim, including medical or police reports and receipts or valuations. Once you’ve prepared your documents and double-check you’re covered for what you need to claim for in your PDS, you can complete your claim. Depending on who you purchase your insurance with, you may be asked for a range of documents and information, which may include:

• Travel itinerary
• Police and medical reports
• Invoices and receipts
• Written statements
• Photographs
• Death certificate
• Travel provider and/or agent correspondence
• Proof of ownership of lost personal items

While some travel insurers offer cover for a vast range of countries, you won’t be able to get insured if you travel to a country on the government’s ‘do not travel’ list. It’s a good idea to check with your insurer and monitor the government’s watch list before you depart, as this list can change regularly depending on world events.

There are some insurers who may enable you to extend your policy if you’re already on holiday overseas if the situation is covered by their terms and conditions. You may have to pay an additional premium to extend your cover. For example, if you travelled to Bali and couldn’t return home due to a volcanic ash cloud, relevant delay and cancellation costs may be covered by your policy. However, it’s important to note that not all insurers will allow you to extend your coverage outside of emergency circumstances and may require you to buy a new policy, so it's important to check with them if you're unsure.

Although some exclude pandemic and epidemic-related expenses, there are some insurers which can offer cover for a range of costs stemming from COVID-19. This may include if your trip is cancelled or disrupted due to you testing positive for COVID-19 or if you require medical treatment after you contract the virus. However, not all events will be covered, such as additional costs relating to quarantine after becoming a close contact or incidents which occur within 72 hours of you purchasing your policy. As such, it's crucial to compare your options and dive more into what you can be covered for in relation to COVID-19 prior to buying your travel insurance.

While there are capped limits on how much you can claim for different incidentals, there is no limit on how many claims you can make on your multi-trip travel insurance policy. Unlike other forms of insurance, your claims history doesn’t impact the price of your premium when buying your policy, as the cost of your insurance will be determined by other premiums.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Get Annual Travel Insurance with a Multi Trip Travel Insurance Plan

Frequent travellers can benefit from Annual Multi-Trip policies

Do you travel regularly? Or do you typically take two or more trips each year? If so, an Annual Multi-Trip (AMT) policy could save you time and money.

When you buy an AMT policy, you’re protected for an unlimited number of domestic trips (if you’re staying 250 kilometres from home or – if less than that – staying the night in paid accommodation with an accommodation provider) and international trips (up to the trip duration you’ve selected) over a 12-month period. Yes, this means you won’t have to worry about taking out a new policy every time you jet off*!

If you’re travelling frequently, it’s likely no two trips will be this same. At Cover-More, we offer you the flexibility to add extra coverage to your AMT policy when you purchase it, including snow sports, cruising, and more.

If this sounds like the best annual travel insurance solution for you, you can get a travel insurance quote online now.

Got questions about our Annual Multi-Trip plans? You’ll find all the important details plus below plus frequently asked questions on our AMT FAQs page.

What is Annual Multi-Trip ( AMT ) travel insurance?

• Why should I buy an AMT policy?

Does Cover-More offer annual travel insurance?

• What benefits do I receive with a Cover-More AMT policy?
• What should I know prior to purchasing an AMT  plan?
• How can I buy a Cover-More Annual Multi-Trip policy?
• Annual Multi-Trip travel insurance FAQs

An Annual Multi-Trip policy provides travellers with multi-trip travel insurance over a 12-month period. It does not provide travellers with 12 months of cover for 365 days of continuous travel.

If you’re a frequent traveller who takes multiple trips a year, you may find an AMT policy to be an affordable solution for protecting your travels.

Why should I buy an Annual Multi-Trip travel insurance policy?

An Annual Multi-Trip policy is often convenient and can provide cost-effective travel insurance.

If you’re travelling multiple times a year and you don’t want the added stress of having to take out a different travel insurance policy each time you head off on a holiday, an AMT could be a great option for you.

Yes, our Cover-More domestic and international comprehensive plans are available to purchase as AMT policies. As a Cover-More AMT policyholder, you can take as many trips as you want throughout the year up to the trip duration you choose when purchasing the plan.

Our international AMT plans allow you to choose a maximum trip duration of either 30, 45, or 60 days; our domestic AMT plans allow you to choose a maximum trip duration of either 15 or 30 days. (This means our AMT policies do not provide 12 months of cover for 365 days of continuous travel.)

Under our Cover-More AMT policies, cover is provided every time you travel further than 250 kilometres from your home or – if the distance is less than this – your trip includes at least one night of paid accommodation with an accommodation supplier or provider, up to the individual maximum trip duration noted on your Certificate of Insurance.

The best part: as an annual travel insurance policy customer, you don’t need to tell us about every single trip you plan on taking – just set off and have fun. (You do need to make sure your multi-country travel insurance policy covers the countries you’re visiting and the activities you’re participating in, though.)

Our Cover-More AMT policies are currently available to travellers of all ages.

What benefits do I get with a Cover-More Annual Multi-Trip travel insurance policy?

When you buy a Cover-More Annual Multi-Trip Policy, you can travel with peace of mind for a whole year. Yes, an AMT Policy can provide cover for an unlimited number of trips in a 12-month period up to the trip duration selected.

Our AMT  policies are available on the following Cover-More plans:

• International Comprehensive+
• International Comprehensive
• Domestic Comprehensive+
• Domestic Comprehensive

…which means you can enjoy the benefits included in these plans, including:

• overseas medical and dental cover*~
• protection for lost or delayed luggage
• rental car insurance excess cover
• travel delay cover
• additional expenses cover
• a level of amendment and cancellation cover you choose*

and much more.

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With our AMT policies, the limit under each policy benefit is also automatically reinstated when you come home from each trip.

For full details of the terms, conditions, exclusions, limits and sub-limits that apply, please read the Product Disclosure Statement (PDS) before purchasing this insurance product.

Do you believe our annual travel insurance may suit you? You can get a free online quote now.

What should I know before I buy a Cover-More Annual Multi-Trip policy?

Here are five things you need to know about our Cover-More annual travel insurance plans prior to purchase, however, we recommend you read the PDS for full details.

1. You need to choose your maximum trip duration

Your AMT policy only covers you up to the maximum trip duration you select at the time of purchase. This maximum applies to each separate trip.

For overseas trips on our international AMT plans, you can choose between 30, 45 or 60 days for each individual trip length. For trips within Australia only covered by our domestic AMT plans, you can select a maximum trip duration of either 15 or 30 days. The trip length option you choose will affect the premium you have to pay.

For example, if you choose a maximum trip duration of 60 days on your international Annual Multi-Trip travel insurance policy, then each individual international trip you take throughout the year (and you can take as many as you want) cannot be longer than 60 days.

Keep in mind you are still protected for an unlimited number of trips during the annual period up to the duration you select, but you must return home after each one. It doesn’t allow 365 days continuous cover.

2. You need to choose your level of cover

At Cover-More, we understand each traveller is different, which is why you’re able to choose the travel insurance plan and option/s to vary your cover for different benefits that best fit your travel style and budget needs. Our range of popular options to vary your cover include cover for snow sports, riding a motorcycle or moped, and adventure activities outside of those we automatically provide cover for.

You can also increase your luggage cover limit and select the amount of cancellation cover that suits you. Remember an additional premium will apply if you vary your cover with any of the options to vary or upgrade your cover.

3. You need to select your excess level

When you buy our Cover-More annual travel insurance on one of our comprehensive international plans, we give you the option to choose the amount of excess you’ll pay should you need to make a claim.

This excess applies if you have a claim and is the first amount of a claim that we don’t pay. You can select an excess amount of either $0, $100 or $250. For a Domestic Plan, a set excess of $50 applies.

Don’t forget the excess amount is applied to each claimable event. For more details on what this means and the benefits that an excess applies to, read the PDS .

4. You need to declare any existing medical conditions

Our Cover-More plans automatically include cover for many common existing medical conditions (EMCs) including asthma, acne, high cholesterol, gout, glaucoma, and epilepsy.

Other EMCs may require an online health assessment to be completed to confirm the appropriate travel insurance coverage for you. If your condition is not listed within our online health assessment, we may not be able to cover it. We recommend you call our team on 1300 72 88 22 to ask.

For EMC policy conditions, please refer to the existing medical conditions sections in the PDS.

5. You have access to the cooling-off period

Purchasing travel insurance is an incredibly important decision and one that shouldn’t be taken lightly.

All our Cover-More customers can make use of a 21-day cooling-off period**, where we can provide you with a full refund if you choose to cancel your policy with us and you meet the criteria outlined in our PDS .

How do I buy a Cover-More Annual Multi-Trip policy?

Are you ready to buy an Annual Multi-Trip travel insurance policy? If you travel regularly, it may end up saving you time and money in the future.

To buy an AMT policy on our Cover-More website, simply enter the dates of your first trip in the quote box. In the destinations section, make sure you put in all the destinations you plan on visiting over the next 12 months.

Unsure of where the year will take you? If you are not sure of all your destinations, select a region instead – cover then applies for travel to all countries within that region. You can also select ‘Anywhere in the world’ for worldwide travel insurance coverage.

Once this is completed, you will be taken to the Cover Summary page. Click on the tab called ‘Annual Multi-Trip plans’. Our AMT plan options will then be displayed. You can then select the coverage items that work best for you.

Don’t see the option to buy an AMT policy? Your travel requirements might be better suited to one of our other policies. Call us on 1300 72 88 22 to discuss your travel insurance options.

Still got a question about Cover-More’s Annual Multi-Trip travel insurance?

No problem – our Annual Multi-Trip FAQs page should help answer any additional questions you may have.

Ready to buy annual travel insurance?

Find out how we can help keep you travelling with multi-trip travel insurance today.

Annual Multi-Trip Travel Insurance

If you’re a frequent traveller, a Medibank Annual Multi-Trip Travel Insurance could save you time and money. Customise your policy to where you’re travelling along with selecting your maximum trip length to secure 12 months of travel cover.¹

What is Multi-Trip Travel Insurance?

Annual Multi-Trip Travel Insurance gives you the option to travel multiple times a year under the same policy.

With Medibank Annual Multi-Trip Travel Insurance, you can have comprehensive cover for your trips, year-round. Select the cover that will encompass all your trips for the 12-month period, and a duration limit to get a quote for your policy. It’s important to remember that your cover will be limited to the area 2  you select within the quote tool as well as the maximum trip duration selected . 1

What does Medibank Multi-Trip Travel Insurance offer?

Depending on your policy, it can provide cover for any number of trips for the entire year, international and domestic within your maximum trip duration limit.

How to build your Annual Multi-Trip Insurance quote

Step 1: Select your area of travel.  Where you travel will influence your premium. Countries are grouped into ‘ areas ’, based on the cost associated with claims there. You'll need to select your travel region or country taking into consideration the 20% rule detailed  below . 

Step 2: Click on the Annual Multi-Trip option and select your excess.   At the top of the plan option page, there will be an option to navigate to the Annual Multi-Trip cover, click on this and select your Annual Multi-Trip.  If you're purchasing a domestic policy, your excess amount is automatically set to be $50. If you're purchasing an international Annual Multi-Trip (AMT) Policy then you'll need to select from $0, $100, $250 excess options.

Step 3: Choose your maximum trip duration.  You will have insurance for an unlimited number of trips up to the trip duration you select during the quote flow. For example, if you choose a maximum trip duration of 30 days, this means you can take as many trips as you want (within your area of insurance), provided each trip is no longer than 30 days.

For a domestic AMT you can select a 15, 30 or 45 day maximum trip duration. 

For international AMT you can select a 30, 45 or 60 day maximum trip duration.

Step 4: Select any additional cover you may require.  For an additional premium, you can choose to add cover for additional scenarios like snow sports, moped riding and multi-night cruises on the sea or ocean. If you're travelling with valuables, you can also opt to increase your luggage and personal effects. Details can be found  below , or within our PDS . 

Step 5: Enter the traveller information.  Fill in the traveller information. This is what will appear on your certificate of insurance.

Please note: If you/a traveller has an Existing Medical Condition which is not automatically included within the policy, you/they can complete an online assessment form to tell us of your/their condition. If your/their condition is approved by us, then you can decide to buy the cover for your existing medical condition. An additional premium may apply. 

Step 6: Pay for your cover.  Select your preferred payment method. Once you've paid, you will be sent your Certificate of Insurance. Your 12-months of travel cover will start from the date you selected as your departure date on the quote tool, not the date you purchased your cover.

Travelling to the Americas or Africa?

If you’ll be spending  20% or more of any trip  within the year in the Americas or Africa,  you must select  ‘Anywhere in the world’ or ‘worldwide including the Americas or Africa,’ or select a country of the Americas or Africa. 

How to choose your area of travel?

It's important to choose the right destination for your trip when quoting. What you select as your travel destination will not only impact your premium, but also what other countries you'll have cover for under your Annual Multi-Trip. 

Destinations are included for areas that are below the one selected, for instance, domestic travel is covered if a country/region in Area 3 is selected, while travel within Europe and Asia are included if a country/region within Area 1 is selected. Note: The 20% rule applies for the Americas/Africa as detailed  above . 

Area 1 - Anywhere in the world

Area 1 is worldwide cover, this includes the following destinations:

✔ North America (e.g. USA, Canada, Mexico) ✔ Africa (e.g. Morocco, South Africa, Egypt) ✔ South America (e.g. Brazil, Argentina) ✔ Destinations not listed (where sanctions don't apply)

Area 2 - Worldwide, excluding Americas/Africa

Area 2 is worldwide cover excluding the Americas and Africa. 

✔ UK ✔ Europe ✔ Asia ✔ The Middle East ✔ The Pacific

✘ North America ✘ South America ✘ Africa

Area 3 - New Zealand or Domestic Cruising

International cover for New Zealand or a domestic sea or ocean cruise.

✔ New Zealand ✔ Domestic cruises 9

✘ North America ✘ South America ✘ Africa ✘ Asia ✘ The Middle East ✘ The Pacific ✘ Europe

Area 4 - Domestic Coverage

Domestic cover for Australia, this includes:

✔ Australia ✔ Norfolk Island ✔ Antarctica sightseeing flights

It excludes cover for: ✘ The rest of the world

Why choose Medibank?

Over 1,000,000 customers and counting.

Medibank Travel Insurance has helped protect over 1 million travel adventures.

Emergency assistance whilst travelling

We're here to help if the unexpected happens with 24/7 emergency assistance.

$Unlimited cancellation cost

$Unlimited cancellation cover if you have to cancel due to unforeseen circumstances. 6

15% discount for Medibank or ahm members

If you're a Medibank or ahm health member you can save 15% on travel insurance.

Multi-award winning travel insurance

We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.

Did you know that if you're a Medibank or ahm health member, you can save 15% on any Medibank Travel Insurance policy?

Enjoy the activities you love

We know that not all travellers enjoy the same activities while travelling so we have a comprehensive list of activities which Medibank may provide cover for while you are on your journey. Our Plans automatically include:

• Horse riding
• Parasailing
• Snorkelling

Terms, conditions and exclusions apply. See the  Combined FSG /PDS  for more information on included activities and for full list of activities.  

Additional options

For an additional premium, you can add additional cover for certain activities or high value belongings. This can include  snow sport activities ,  moped riding 10  and  multi-night cruises . 9

Insurance for snow sports

Cover for skiing, snowboarding or snowmobiling is not automatically included in your policy. If you wish to have cover for these snow activities during your trip, then you’ll need to purchase cover for snow sports.

Conditions and exclusions apply to snow sports cover (e.g. you must not be participating in the activity in a professional capacity). See the  PDS  for full details. 

Cruise insurance

If your trip includes travel on a multi-night sea or ocean cruise, then you'll need to add Cruise Cover to be insured for claims relating to a cancelled cruise, cruise travel, or certain claims that arise whilst on a cruise. 10

By adding Cruise Cover to your policy, you will also receive a range of additional cruise benefits such as cover for cabin confinement and sea sickness. A summary of additional cruise benefits including any COVID-19 related exclusions can be found in the  PDS . 

Motorbike and moped cover 

If you're planning to use a motorcycle or a moped during your travels, then you'll need to select moped/motorcycle cover option to be able to claim for incidents related to driving or riding on a motorcycle/moped. 

Conditions and exclusions apply for motorcycle/moped cover (e.g. you must wear a helmet, the engine capacity must be 250cc or less). See the  PDS  for full details.

Extra luggage insurance for high value items

If you're travelling with an item that is worth more than the limit shown in the PDS, then you can increase the item limit cover (on a per item basis) by specifying the item and paying an additional premium for the increased cover. Some examples of valuable items might include camera equipment, jewellery, watches and phones.

Refer to the PDS  for full details of luggage cover, limits and exclusions.  

Frequently asked questions (FAQs)

Why consider multi-trip travel insurance.

Multi-Trip Travel Insurance can be a convenient and cost-effective option if you're planning to travel multiple times within a 12-month period. 

• It can save you time and help take away the stress of having to purchase a new travel insurance policy each time you travel. 
• It might also be more affordable than purchasing multiple Single Trip insurance policies throughout the year. 

You'll be able to take an unlimited number of trips provided you're travelling within your selected area of insurance 2  and each trip is not longer than the maximum trip duration 1  you've selected. So, whilst an Annual Multi-Trip policy provides 12 months of cover, it's important to understand that this does not mean you can holiday for 12 months straight. If you are looking to holiday for 365 continuous days, then a Medibank Single Trip Travel Insurance policy could be right for you.

What is the difference between Medical Only, Comprehensive and Multi-Trip Travel Insurance?

Multi-Trip Insurance:  Annual Multi-Trip policies (AMT) are designed to provide comprehensive travel insurance for multiple trips taken within a 12 month period (noting that each individual trip taken must not exceed the maximum trip duration 1  as shown on the Certificate of Insurance). Medibank Travel Insurance offers an AMT option on the International Comprehensive Plan and on the Domestic Plan. 

Single Trip Insurance:  A single trip insurance policy will mean that you will have cover for a single trip taken within the dates listed on the Certificate of Insurance. Medibank Travel Insurance offers single trip insurance on the International Medical Only Plan, the International Comprehensive Plan and the Domestic Plan. 

What's the difference between our travel insurance plans? 

• Medical Only:  An International Medical Only Plan provides cover for overseas medical and hospital expenses 3  that occur whilst travelling. It will not provide cover for things like trip cancellation or lost luggage. Medical only cover is not available on domestic travel and can only be purchased as single trip insurance.  
• International Comprehensive:  A Medibank International Comprehensive Travel Insurance Plan provides more complete cover during your trip. It can provide cover for overseas medical and dental emergencies, 3  plus inclusions for unforeseen cancellations 6 , lost/stolen valuables 7  and more. An International Comprehensive Plan can be purchased as either a Single Trip or Annual Multi-Trip policy. 
• Domestic:  A Medibank Domestic Travel Insurance Plan is designed to help protect trips within Australia. It includes cover for cancellation, amendment & delays 6 , cover for lost, stolen & damaged personal effects 7  and more. Domestic travel insurance does not include any cover for medical expenses incurred whilst travelling. A Domestic Plan can be purchased as either a Single Trip or Annual Multi-Trip policy. 

To understand more about the different Medibank Travel Insurance options, please visit our  compare travel insurance page  or refer to the  Combined FSG/PDS . 

Does Medibank Travel Insurance include cover for COVID-19 related events?

Medibank provide cover for certain COVID-19 related scenarios, including overseas medical costs if you're diagnosed with COVID-19 by a qualified medical practitioner while travelling. For more information on COVID-19 cover, you can visit our  COVID-19 benefits page.

How much does Multi-Trip Travel Insurance cost?

The cost of Multi-Trip Travel Insurance varies dependent on a number of factors. This can include where you are travelling to, any additional cover options that you select, if there are others on your policy, your age and any pre-existing medical conditions. Use the quote tool to find out the cost of Multi-Trip Travel Insurance.

Is Multi-Trip Travel Insurance available for seniors?

Yes. Our intention is to cover as many people as possible. However, policy prices my increase in line with your age, and if you are 70 years of age or over, the availability of the plans may vary depending on other relevant factors such as the destination, trip duration and whether the policy is a Single Trip or Annual Multi-Trip policy.

Am I covered for travel within Australia with Multi-Trip Travel Insurance?

You will be covered for domestic travel that is 250km or more from home, or, if less than that, your trip must include at least one-night paid accommodation booked with an accommodation supplier or provider.

Remember when selecting the zone for your policy coverage, you must choose the area which will cover all of your trips for the year. 2  Your Annual Multi-Trip Policy will provide cover for every trip in the same ‘area’, as listed above . Please note that the 20% rule will apply.

What do I list as my destination if I am unsure where I will be travelling throughout the year?

If you are unsure of where you're travelling, you can always enter 'Anywhere in the world' when quoting. This will help ensure you have cover for any destinations you choose (so long as travel sanctions aren't in effect). This does however mean that your Annual Multi-Trip policy may have a higher premium as it takes into account the fact you could travel anywhere in the world. 

Alternatively you can select the area you think you'll be travelling to and if you need to increase your area of cover at a later date, then you can contact us to discuss re-issuing your policy.

How many trips can I take on my Annual Multi-Trip Policy?

There is no limit on the number of journeys you can take in the 12-month period, provided you are at least 250 kilometres from your home – or, if your trip includes at least one or more nights of paid accommodation with an accommodation supplier or provider. These trips must take place in the area you have selected, or in the included areas as part of your policy.

You must also ensure that each trip is not longer than the maximum trip duration you select when finalising your plan. 1

How long can each of my trips be if I’m covered by an Annual Multi-Trip Policy?

On Annual Multi-Trip Travel insurance policies, you can choose a maximum trip duration of 30, 45 or 60 days for international plans, and 15 or 30 days for domestic plans. This means each separate trip you take using the policy cannot exceed the duration selected.

Things you should know

1  Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.

2  If 20% or more of any Journey will be spent in the Americas or Africa You must nominate the area including these countries as the area of travel. This applies to Single Trip and Annual Multi-Trip polices.

3  Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.

4  Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits see the  Combined FSG/PDS . 

5  Limits apply. See the  Combined FSG/PDS  for more information. 

6  Conditions apply to cancellation cover. Sub-limits apply. See the  Combined FSG/PDS  for more information.

7  Item limits apply. See the  Combined FSG/PDS  for more information.

8  Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $10,000 on the Domestic Plan and $25,000 on the International Comprehensive Plan. 

9  You must take out an International Plan and add Cruise Cover if you’re travelling on a domestic or international multi-night sea or ocean cruise to have any cover for the benefits under the policy. Unless your cruise is entirely within Australia (e.g. a Kimberley Cruise which falls entirely within Australian coastal waters) in which case a Comprehensive Domestic plan may be purchased and no cruise cover variation is required.

10  Conditions and exclusions apply. See the  Combined FSG/PDS  for more information.

Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and the  Combined FSG/PDS  to decide if this product is right for you. For information on the Target Market and  Target Market Determinations , visit  medibank.com.au/travel-insurance/help/

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Annual travel insurance

Annual multi-trip travel insurance can be cheaper and more convenient than buying multiple policies. compare quotes and get set up for an exciting year of travel..

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In this guide

Cheap annual travel insurance

Is it cheaper to buy annual travel insurance, what does annual travel insurance cover, what's not included, frequently asked questions about annual travel insurance.

Destinations

What you need to know

• Annual travel insurance typically covers multiple trips in one year for trips up to 90 days.
• Annual travel insurance can be cheaper than a single policy if you travel to multiple places in a year.
• Most annual policies cover overseas medical expenses, luggage and personal effects and cancellation fees.

Cheap comprehensive: Travel Insurance Saver Annual Multi Trip

• It can cover you for up to 45 days per trip. The average is around 30 days.
• It comes with COVID-19 cover. This includes unlimited medical expenses and rearrangement costs if you or someone you are travelling with catches the virus.
• It comes with fairly high limits, most likely enough for multiple trips e.g. up to $12,000 for luggage, $10,000 for cancellations, $5,000 rental car excess insurance and unlimited travel delay expenses.
• FastCover Traveller Saver comes with unlimited cancellation cover. Travel Insurance Saver has a $10,000 cap.
• There are more comprehensive options, if you're willing to pay more. For example, FastCover and CoverMore have annual policies that all come with higher limits. These could be better for trips over $10,000.

Why we picked Travel Insurance Saver

Finder's insurance and innovations editor looked at 45 annual travel insurance policies available on the Finder engine and a handful of other well known brands including CoverMore and Medibank. Travel Insurance Saver offered the cheapest comprehensive policy for 5 different annual multi trips:

• Bali, USA, New Zealand
• Bali, Japan, New Zealand
• Bali, Japan, South Korea, New Zealand
• Bali, Italy, France, New Zealand
• Bali, Thailand, New Zealand

Cheap basic: Insure4Less Annual Multi Trip Essentials

• It's good if you want a very cheap policy covering medical only , including if you catch COVID-19.
• Out of 45 annual multi trip policies, it was the cheapest available on Finder.
• It really is a bare bones policy. It only covers medical expenses. It's no help if you need to cancel, rearrange or your luggage is delayed or lost.
• It can cover you for up to 31 days per trip. If you have a longer trip planned, you should look elsewhere.

Why we picked Insure4less

Our insurance and innovations editor picked Insure4less because it's typically the cheapest annual multi trip policy in the Finder database. Insure4less offered the cheapest basic policy for 5 different annual multi trips:

It's typically only cheaper to buy an annual travel insurance policy if you plan to go on a few big trips in the next 12 months. If you're only going away for around 2 weeks per trip, multiple single travel insurance policies are often cheaper.

For example, when we got quotes for an annual multi trip policy to multiple locations (Bali, Japan, Canada and Europe), the cheapest comprehensive policy was $399. It was $815 for multiple single travel insurance policies.

Here's a table showing the prices if you were to take out multiple single travel insurance policies, as opposed to taking out a multi trip travel insurance policy.

How Tim saved on his travel insurance

I saved $500 getting an annual multi-trip policy. I had two big overseas trips planned, one a ski trip, and it was cheaper to get an annual policy instead of individual cover (this was for 2 people). And now I'm covered for the rest of the year too, including on domestic trips.

Multi trip travel insurance covers all the same things as a single-trip policy. This means you can expect cover for:

• Medical expenses including evacuation. If you get sick or injured while overseas, your policy will cover the cost of your ambulance, hospital bed, surgery fees and evacuation to the nearest hospital (or back to Australia if necessary). Most annual policies offer unlimited medical for international trips, which helps with peace of mind knowing you're covered no matter where you go.
• Additional emergency expenses. This covers the additional travel and accommodation expenses related to emergencies outside of your control , like becoming medically unfit to travel or the unexpected death of a close relative back home. Most policies will also pay for someone in Australia to travel to you if you're hospitalised overseas.
• Cancellation fees and lost deposits. This covers your non-refundable pre-paid travel expenses and any cancellation fees if you have to cancel your trip due to unexpected events outside of your control.
• Luggage and personal belongings. Covers the repair or replacement costs for luggage and personal items that are lost, stolen or damaged during your trip. Some policies will pay you an emergency allowance to help you purchase essential clothing and toiletries if an airline temporarily misplaces your luggage .
• Travel delay. This pays for unexpected meal and accommodation costs when your flight or other prepaid transportation is rescheduled or delayed for a significant amount of time.
• Rental vehicle excess insurance. This brings down the unreasonably high excess car rental companies charge if you damage one of their cars. Some policies offer this for free. Others charge extra for it.
• Cruise and Ski cover. Some annual travel insurance policies include cruise cover and ski cover in their policies. Benefits include onboard medical expenses, missed ports, cabin confinement and more.
• Personal liability. This pays your legal fees and penalties if you accidentally injure someone or damage their property while travelling.

At first annual travel insurance might seem like a bit of an upfront cost, but if you have a couple of big trips planned in the next 12 months (it looks like many of us do – there's been a 50% increase in departures compared to this time last year) then it's often cheaper than buying multiple individual policies.

Gary Ross Hunter Finder's insurance and innovations editor

All policies have a list of exclusions, which outlines what your policy won't cover and what situations will void your policy. These include if:

• You're travelling somewhere there's a travel warning. The Australian Government issues advisories for a reason . If you choose to travel to a do not travel country and ignore these warnings, your insurance will be invalid.
• You don't take care of your belongings. Your insurer won't pay for lost items if you weren't careful with them. This includes leaving your luggage or valuables unattended or leaving your hotel room unlocked.
• You're taking part in extreme or dangerous activities. Most policies won't cover extreme sports or other dangerous activities such as base jumping or mountaineering.
• You were acting recklessly. Your insurer can deny your claim if it finds you were acting recklessly at the time. This can include being drunk , being high, breaking the law or putting yourself in harm's way.
• Illness or injury from pre-existing conditions. If you fail to disclose any pre-existing conditions , your insurer could deny medical claims if they think the new injury or illness is related.
• You're pregnant. Most policies will not cover childbirth at all and they'll stop covering you if you're pregnant at around 30 weeks. However, they will cover all unrelated medical conditions like a broken wrist for the duration of the trip.

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Why you can trust Finder's travel insurance experts

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We're here to help

What is annual multi trip travel insurance.

Annual multi trip travel insurance is a type of travel insurance policy that covers multiple trips over a 12 month period. It's also known as a multi-trip policy. It's made for people who go abroad more than once a year and can sometimes be cheaper and more convenient than taking out multiple single trip policies every time you travel.

Can I get travel insurance for 12 months?

Yes. Multi trip policies can give you cover for an unlimited number of trips in a year. It can sometimes be cheaper than buying multiple policies in a year and it's convenient as you don't have to get a new travel insurance policy every time you head overseas.

How much is travel insurance in Australia?

Travel insurance ranges from around $5 to $20 per day but prices can vary significantly depending on the length of your trip and where you travel. On average, a basic policy for a one week trip could cost between $30 and $150. It often becomes better value for money to take out annual travel insurance if you have more than 2 of 3 big trips planned in a year.

I am going to multiple destinations on my next trip. Do I need an annual multi-trip policy?

No. You can get cover for multiple destinations on a standard single-trip policy, as long as all the destinations are part of one overall journey. There are long term travel insurance policies that cover single trip journeys of up to 540 days . You generally only need the annual policy if you will be returning to Australia between trips.

I mostly travel for business. Is there any point to buying an annual policy?

For sure. Business cover is usually included in an annual frequent travel insurance policy, which means it doesn't matter whether you are travelling for business or going on a holiday.

However, insurers usually won't pay any medical bills that are already covered by your employer's workers compensation policy. Some policies will also exclude manual labour from cover.

Can I get annual travel insurance for more than 90 days?

Just barely. The longest max-trip duration we've seen is 93 days from Travel Insuranz and Insure4less. If you're taking a single trip that's longer than that, you'll need to get a separate single trip policy for that trip.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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34 Responses

if I get a 12mth insurance does it have to start from 1st Jan to December as I have a trip this year and one early next year.

Thanks for your message – no, an annual multi-trip policy isn’t restricted to a calendar year. But be sure to check the policy wording, and look out for the maximum length of each journey. This will be shown on your certificate of insurance. Do reach out to the insurer directly if you’ve any questions about how your policy works.

Best wishes,

Is it possible to get a 12-month insurance policy?

Yes, it is possible.

In this case, an annual travel insurance policy would be a good choice. It is a type of policy that can cover you for multiple trips within a 12 month period.

You can check the table above to check your annual travel insurance options. Be sure to read through the terms and conditions before making a final decision.

Regards, James

Please send quotes for comprehensive annual travel insurance. Travel several times a year for personal travel and conference – international and local. Sometimes travel together and other times independently. We are both healthy.

Thank you for getting in touch with finder.

Since you need to start comparing your travel insurance options, kindly enter all details asked on the table such as where you’re going to, age of travellers and date of your first trip then click on the get quote green button. The page will then show quotes and you may filter your search including level of cover – Basic, Standard and Comprehensive, as well as required cover options. Once you have chosen an insurer, please click on the green go to site button to be redirected to the provider’s official page to learn more on the multi-trip travel insurance they offer or even start your online application.

I hope this helps.

Thank you and have a wonderful day!

Cheers, Jeni

I will be travelling to South Africa in August then cruising from Barcelona to Dubai in November. Can I get annual insurance to include both?

Hi Catherine,

Yes, they are included in an annual multi-trip travel insurance. It covers you for as many trips as you can fit into an entire year with just one policy paid for upfront.

Please feel free to reach out to us if you have any other enquiries.

Age is 76 years Still working Would like Annual policy mixture of work and pleasure trips Work 10 Days (av) and pleasure 35 Max Days

Thanks for your inquiry.

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Do you want to cover multiple trips, annual multi-trip  covers an unlimited number of return journeys overseas over a 12 month period from the date your insurance starts which you can choose., when are you travelling, select the dates you will depart from and return to australia., cover starts on the date you select, and you will have 12 months of cover from this date., where will you be travelling, popular destinations, south pacific.

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Annual Multi-Trip Travel Insurance

About Annual Multi-Trip Travel Insurance

Frequent flyer? You can get annual travel insurance cover with all of our policies. It’s more cost-effective than taking out several single trip policies.

• When you get a quote, select "annual multi-trip" for your choice of International Comprehensive, International Basic or Domestic Travel insurance.
• Select the highest region for the destinations you plan to visit this year - If you're not sure, choose "Worldwide including the Americas and Africa".
• If you'll be making some of those trips with your partner, make sure they have an annual or single-trip insurance policy too. Your dependent children are automatically covered for free while they travel with you 1 .
• Maximum journey lengths apply to your cover - choose from 30, 45 or 60 days. You can make as many trips as you want as long as each one doesn't exceed your chosen number of days.
• When you travel within Australia, your cover applies when you travel to a destination more than 250km away from home.
• Get a quote in minutes
• Great value international and domestic plans
• From comprehensive to basic cover, you choose which benefits matter most
• 24/7 support means help is only a phone call away
• Reduce your premium with variable excess

Frequently asked questions

1  Different benefit cover limits apply for dependent children.

Limits, sub-limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy this insurance. For more information on these products, please contact us on 1300 728 015, email [email protected]

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as ​a team. We recognise their continuing connection ​to land, water and community. We pay respect to Elders ​past, present and emerging.

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WARNING REGARDING COVID-19 - Policies purchased after 23 March 2020 will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19.

ANNUAL MULTI TRIP TRAVEL INSURANCE

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Our Annual Multi-Trip Policy allows you to select a plan that suits you and your travel needs, providing cover for an unlimited number of journeys over a 12 month period. You can also select from up to thirty (30), forty-five (45) or sixty (60) consecutive days as the maximum duration of any Annual Multi-Trip journey.

What is included.

Exclusions, Limits and Conditions apply to benefits outlined below

Overseas Medical Assistance

Helpline assistance available 24 hours a day, every day of the year. Where reasonable and necessary, this includes the arrangement of unlimited emergency travel assistance, repatriation, access to interpreters and assessment of medical services. Exclusions and Sub-Limits Apply .

Overseas Medical and Dental Expenses

Cover for the reasonable and necessary overseas medical treatment, ambulance transportation, hospitalisation and emergency dental expenses for sound and natural teeth in the event of an Accidental Injury or Sickness or Disease covered by the policy. Exclusions and Sub-Limits Apply .

Loss of Deposits and Cancellation Charges

Cover for non-refundable unused portion of travel costs prepaid in advance, including withheld deposits, cancellation charges, a travel agent’s cancellation fee and reasonable and necessary incurred additional travel, hotel and out-of-pocket expenses (cover limits apply), because of the unforeseeable death, Accidental Injury or Sickness or Disease of you, your travelling companion, relative or business partner or because of any other unforeseen circumstances outside your control. Exclusions and Sub-Limits Apply .

Luggage, Personal Effects and Travel Documents

If your items are accidentally lost, stolen or damaged while you are travelling, we may reimburse you for the value of the item allowing for reasonable depreciation, repair or replace the item. Exclusions and Sub-Limits Apply .

Personal items

Cover for personal items such as laptops and phones with benefits ranging from $1,500 to $3,000 per item depending on your plan level selected (item and category limits apply). Exclusions apply .

Delayed Luggage Allowance

Cover for essential emergency items of clothing and other personal items if your baggage is delayed, misdirected or misplaced by your transport provider, for more than twelve (12) hours. Exclusions apply .

Rental Vehicle Excess Cover

Cover for the excess payable on your rental vehicle’s motor vehicle insurance, if your rental vehicle is stolen or damaged following an accident. We will also cover the cost of returning the vehicle, up to $500, if you are unfit to drive due to an accidental injury or sickness or disease. Exclusions apply .

Additional Expenses Following Accidental Injury or Sickness or Disease

Cover for additional hotel accommodation and transport expenses incurred by you, your travelling companion or relative if you suffer an accidental injury, sickness or disease that prevents you from continuing your journey, as advised by a Doctor. Exclusions apply .

Travel Delay Accommodation

Cover for additional meals and accommodation expenses if your pre-booked transport provider is delayed for at least six (6) hours due to unforeseeable circumstances beyond your control (and you cannot claim your additional meals and accommodation expenses from anyone else), up to the maximum amount shown on your certificate of insurance. Exclusions apply .

What is not covered?

The below is an outline of some of the key general exclusions of American Express Travel Insurance. Before you decide to purchase cover it is important that you review the specific details of exclusion which are set out in the American Express Travel Insurance Product Disclosure Statement .

It is also important that you fully understand the terms, conditions, exclusions and limitations which are set out in the American Express Travel Insurance Product Disclosure Statement .

     Any Pre-existing medical condition that does not appear in the Approved Medical Condition Table of the PDS      Pregnancy or childbirth (except in limited circumstances)      Participation in unapproved dangerous activities and high-risk sports      Any unlawful act      Suicide or attempted suicide      Acts of war or civil unrest      Change of mind      Lost, stolen or damaged belongings left unattended or unsupervised      Death, illness or bodily injury where reasonable care has not been exercised      Travel to countries where DFAT has advised against travel and travel to sanctioned countries

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Chubb (a subsidiary of a US company) from providing insurance, including, but not limited to, the payment of claims.  All other terms and conditions of the insurance remain unchanged.

About Chubb

Chubb is the world's largest publicly traded property and casualty insurance company. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.

As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly.

The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 31,000 people worldwide.

More information can be found at www.chubb.com/au

For more information on the plan inclusions and to view the benefit table, please refer to our FAQ section .

Phone Chubb on 1800 139 149 (Monday to Friday 9am - 5.00pm AEST)

Terms & Conditions

American Express Travel Insurance is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb) and distributed by American Express Australia Limited ®, ABN 92 108 952 085, AFSL No. 291313 (American Express).

Chubb and American Express only provide general information and do not consider your objectives, financial situation or needs. To decide if this product is right for you, please read the American Express Travel Insurance Disclosure Statement before making any decisions about this product.

Terms, conditions, exclusions and sub limits apply as set out in the policy wording.  

Eligibility criteria apply. You must be an Australian resident and aged between 18-84 for Single Trip policies (with lower age limits for certain plans) or 18-69 for Annual Trip policies. Terms, conditions, exclusions, maximum age limits, pre-existing medical condition exclusions and limits apply as set out in the PDS .

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas medical assistance and expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

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Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.