Travel Insurance Direct

Annual Travel Insurance

Planning a few trips this year or just a frequent traveller? Save time and money with our Annual Multi-Trip Plan - it’s like flying business class without the price tag.

What is annual multi-trip insurance? 

Do you travel a lot? Do you have the travel bug that makes you a frequent traveller? Always exploring new locations? (We're jealous if you do!) Or maybe you just like to split your four weeks annual leave into 4 different trips every year. Whatever the case, if you are overly familiar with your local airport, then you probably need annual travel insurance, also known as multi trip travel insurance. This policy covers you for as many trips as you want in a year, provided they start and end at your residential address here in Australia. There are different time limits for each journey depending on whether you travel for business or pleasure, but this one covers domestic AND international travel! Winning!

Medical Expenses Overseas.

Medical Evacuation by Road or Air.

Trip Cancellation Costs.

Luggage and Personal Effects.

Rental Vehicle Insurance Excess.

Personal Liability.

This is a brief summary only. For full terms, conditions, limitations and exclusions read our policy wording.

What does annual multi-trip travel insurance cover?

Comprehensive Overseas Insurance (The Works)# Budget Overseas Insurance (The Basics)# Domestic# Annual Multi-trip#
Medical Expenses Overseas^ Unlimited $5,000,000 Not applicable Unlimited
Cancellation Costs Unlimited $3,000 $10,000 Unlimited
Additional Expenses / Medical Evacuation Unlimited $500,000 $10,000 Unlimited
Personal Liability $2,500,000 $1,000,000 $1,000,000 $2,500,000
Luggage and Personal Effects $12,000 $3,000 $4,000 $12,000
Rental Vehicle Insurance Excess $4,000 Not available $4,000 $4,000
Coronavirus Travel Costs $2,500 Not available $2,500 $2,500
Coronavirus Medical Expenses Overseas
(Available under Medical Expenses Overseas^ benefit)
Available Available Not applicable Available
Multi-trip Not available Not available Not available Available
Get a quote Get a quote Get a quote Get a quote
^Up to one year from the date of injury or illness. Subject to all terms and conditions for existing medical conditions.
#Benefit limits are for a single plan.
‡The Works, The Basics and Domestic plans only cover single trips. The Annual Multi Trip plan covers multi-trips. If you travel as often as you like within a 12 month period, as long as each trip is no longer than 38 days.

Sub-limits apply. This is a brief summary of cover and does not include the full terms, conditions, limitations and exclusions. Please read our PDS.

Annual travel insurance FAQs

Am I covered for Coronavirus (COVID-19)?

All international plans include cover for overseas medical expenses. Depending on the plan you choose, there may also be cover available for some other Coronavirus related events. Cover is explained in detail here

Does this cover ski trips?

When you buy the policy, you can choose to add ski cover at the time. It’ll increase the cost of the whole policy, but if you’re a regular skier and chase the snow, this is worth it. It’ll cover your domestic ski trips too, though not any medical expenses.

How long can I travel for?

On leisure trips, up to 38 days. For business trips, 90 days. It’s worth noting that, in the event of a claim, you may need proof from your boss to confirm you’re on a business trip.

What about the family?

You can put the whole family on the policy, but you don’t all have to travel together. If Mum wants to rock a hen’s week in Vegas, she’s covered even though the rest of the family is staying home. You deserve the break, Mum! Dad’s taking one of the kids camping? That’s covered too. The only restriction is that dependents must travel with one of the adults listed on the policy.

Read the policy wording for full terms, conditions and exclusions and to ensure the product suits your needs.

Find out more about annual travel insurance

Airbnb: is it covered by your travel insurance?

Airbnb: is it covered by your travel insurance?

Long gone are the days of simply searching out the most convenient and cost-effective hotel to lay your head at night. Now, there is an array of accommodation options available to the modern traveller – everything from private holiday rentals to a stranger’s living room couch.

Find out more
Annual Multi Trip Policy FAQs

Annual Multi Trip Policy FAQs

The Annual Multi Trip policy is a great option if you travel regularly over a 12 month period. Here are some common questions we get about the AMT policy and our answers.

Find out more
Business Trips

Business Trips

When travelling on the Annual Multi Trip policy, cover can apply to business trips as well as leisure trips. The maximum duration for a business trip on the AMT policy is 90 days. If you are mixing business and leisure on your journey, provided the main purpose of your trip is for business, then you can be away for up to 90 days.

Find out more

Ready to go?

As soon as you book your tickets you should be booking travel insurance to make sure you’re covered in the lead-up to, and during your trip. Start by getting a quote below.

Get a quote