Annual Multi Trip Policy

The Annual Multi Trip (AMT) policy may be a great option if you travel regularly over a 12 month period, and are sick and tired of having to buy a new travel insurance policy every time. Here are some common questions we get about the AMT policy and our answers.

Is there cover for Coronavirus (COVID-19) on the AMT policy?

There is cover for some COVID-19 related events on the AMT policy. Find out more about the cover available here.

Is there a limit on the duration for each trip?

Yes. The maximum length of time this policy will cover you for travel from your home in Australia is up to 35 days for either a leisure or business trip. If you are combining business and leisure in one trip you can travel up to 35 days in total.

What do you mean by a business trip?

The main purpose of your trip is for business even though you may tack on a couple of days for holiday. In the event of a claim, you will be asked to prove it, for example, by demonstrating that the flights and/or accommodation were paid for by your employer.

Is there an age limit?

The AMT is available to travellers up to and including 75 years old and their dependents under 21 years of age.

Can I include my trips in Australia on the AMT policy?

Yes. It includes cover for domestic and international trips. A domestic trip needs to involve an overnight stay and accommodation and/or transport prearranged with a travel services provider to be covered. You can also travel both, internationally and domestically for up to 35 days in total.

My partner and I mostly travel together but sometimes we have our own trips. Can we still use a family policy if not all listed persons are coming on the trip?

Yes. If you have chosen the Family option with two adults (and children) on the policy, you don't need to travel together on every trip. The policy will cover the adult travellers when they are travelling independently. The dependent children listed on the policy will need to travel with one of the adults to be covered for the entire duration of the trip.

I don't have a partner so can I list my friend on my policy?

You can list any adult as your travel partner for the policy. It doesn't have to be a spouse or de facto partner.

Can I purchase a few months in advance?

The AMT policy is available for purchase up to 30 days prior to the start of your 12 month Period of Insurance. You will be covered for cancellation costs for insured events from the time you buy your policy.

We are away for 45 days on one of our trips. Can we still take the AMT or do we need to buy a new policy for that trip?

You can use your AMT for the first 35 days and buy a single trip policy for the additional days.

Can I buy the AMT if I'm already overseas?

Yes, you can! Please note that your cover for each trip ends on the 35th day or when you return to your home in Australia, whichever is earlier.

When you buy a policy after you’ve started travelling, a 72-hour waiting period applies to all events, except for Medical Expenses Incurred Overseas and Additional Expenses/Medical Evacuation if you suffer a serious injury due to an accident that occurs during that waiting period.

Will the AMT cover my pre-existing medical conditions?

There are 43 medical conditions that are automatically covered on the AMT policy provided you meet all requirements noted in the PDS. If your condition is not automatically covered you can still purchase a policy however you won't be covered for your medical conditions. 

Are there any extra benefits for business travel?

The AMT policy is the only policy that offers a business travel benefit. You are covered for the following benefits:

  • Accidental loss, theft or damage to business equipment (including computer equipment, communication devices and other business related equipment and business documents). The maximum benefit is $5,000.
  • Hiring alternative business equipment if yours is accidentally lost, stolen, damaged, misdirected or delayed in transit for more than 24 hours. The benefit is $250/day to a maximum of $1,000.
  • Costs to recreate documents if they are lost, stolen or accidentally damaged. The maximum benefit is $1,000.

The $100 excess will apply to each of these benefits unless you buy it out at the time of purchasing.

If I take out the AMT plan, can I purchase the Snow sports cover option for one week to go skiing?

You can purchase a single-trip policy with the Snow sports and activities option for the duration of your skiing trip. In the event of a claim you can claim under one policy only. Losses arising from skiing will not be covered on the AMT policy unless you purchase the option.

Can I add options after I've purchased?

At this time we don't allow you to add options like snow sports and activities, rental vehicle insurance excess or high value items after you purchase.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Last updated: 20 December 2021

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