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.
This is a brief summary only. For full terms, conditions, limitations and exclusions read our policy wording.
|Comprehensive Overseas Insurance (The Works)#||Budget Overseas Insurance (The Basics)#||Domestic#||Annual Multi-trip#|
|Medical Expenses Overseas^||Unlimited||$5,000,000||Not applicable||Unlimited|
|Additional Expenses / Medical Evacuation||Unlimited||$500,000||$10,000||Unlimited|
|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.
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
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.
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.
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.
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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
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