Annual travel insurance guide

Designed for frequent travellers, an annual policy, also known as 'multi-trip' can offer an affordable way to keep your travels covered all year round.
Whether travelling overseas or within Australia, if you have more than two trips planned within a 12 month period an
Designed for frequent travellers, an annual policy, also known as 'multi-trip' can offer an affordable way to keep your travels covered all year round.
Whether travelling overseas or within Australia, if you have more than two trips planned within a 12 month period an annual travel insurance policy can be significantly cheaper than purchasing a single trip policy each time you travel.
Our annual trip comparison allows you to compare multiple travel insurers in a few simple steps. The cover benefits and maximum trip length vary between insurers and policies, so be sure to check the trip duration limits that apply when you compare multi-trip travel insurance policies.

So what's covered?

You generally get all the benefits of comprehensive insurance for a full year provided trips do not exceed the maximum trip length.

A good annual trip policy will usually provide cover for the following:

• 24/7 emergency assistance service to help with travel and medical
  emergencies should the occasion arise.
• Overseas emergency hospital and medical, including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits.
• Emergency rescue and medical transport so you can receive medical care required for your illness or injury.
• Personal Liability, which is the amount that the insurer will pay to cover damages that you cause. This is usually advisable if you're taking part in any activities that involve risk, such as driving a car whilst on holiday.
• Luggage and personal effects to provide reimbursement for lost, stolen, or damaged baggage and personal effects
• Travel delay expenses, including costs for unexpected accommodation, meals, and transport when your travel is delayed or disrupted.
• ...and much more

What's not covered?

Like all insurances, there are some things that insurers simply won't cover. Travel Insurance is there to cover the unexpected. Not cover events that are likely to happen, or that have happened as a result of negligence, or the insured acting irresponsibly. The following are some examples of common sense exclusions that may apply:

• Travelling to regions against the Australian Government 'do not travel' advice
• Events where alcohol or drugs have played a significant part
• Goods being stolen as a result of them being unattended
• Extreme sports, you will need to check whether your planned activities are covered

The benefit of taking out annual insurance before you travel is that you can relax knowing that you're covered for cancellations, medical costs, lost luggage, theft, and everything else outlined in the policy for the whole year ahead.
Some annual insurance policies allow you to travel anywhere in the world and also cover you for riskier activities like skiing or diving for a limited time. Inclusions and exclusions vary between insurers, so be sure to read the Product Disclosure Statement (PDS) of your chosen insurer.
Read our article on comparing frequent traveller insurance for some great tips on what you should consider when purchasing an annual multi-trip policy.
policy can be significantly cheaper than purchasing a single trip policy each time you travel.
Our annual trip comparison allows you to compare multiple travel insurers in a few simple steps. The cover benefits and maximum trip length vary between insurers and policies, so be sure to check the trip duration limits that apply when you compare multi-trip travel insurance policies.

So what's covered?

You generally get all the benefits of comprehensive insurance for a full year provided trips do not exceed the maximum trip length.

A good annual trip policy will usually provide cover for the following:

• 24/7 emergency assistance service to help with travel and medical
  emergencies should the occasion arise.
• Overseas emergency hospital and medical, including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits.
• Emergency rescue and medical transport so you can receive medical care required for your illness or injury.
• Personal Liability, which is the amount that the insurer will pay to cover damages that you cause. This is usually advisable if you're taking part in any activities that involve risk, such as driving a car whilst on holiday.
• Luggage and personal effects to provide reimbursement for lost, stolen, or damaged baggage and personal effects
• Travel delay expenses, including costs for unexpected accommodation, meals, and transport when your travel is delayed or disrupted.
• ...and much more

What's not covered?

Like all insurances, there are some things that insurers simply won't cover. Travel Insurance is there to cover the unexpected. Not cover events that are likely to happen, or that have happened as a result of negligence, or the insured acting irresponsibly. The following are some examples of common sense exclusions that may apply:

• Travelling to regions against the Australian Government 'do not travel' advice
• Events where alcohol or drugs have played a significant part
• Goods being stolen as a result of them being unattended
• Extreme sports, you will need to check whether your planned activities are covered

The benefit of taking out annual insurance before you travel is that you can relax knowing that you're covered for cancellations, medical costs, lost luggage, theft, and everything else outlined in the policy for the whole year ahead.
Some annual insurance policies allow you to travel anywhere in the world and also cover you for riskier activities like skiing or diving for a limited time. Inclusions and exclusions vary between insurers, so be sure to read the Product Disclosure Statement (PDS) of your chosen insurer.
Read our article on comparing frequent traveller insurance for some great tips on what you should consider when purchasing an annual multi-trip policy.