- The best annual multi-trip travel insurance plans
- What is annual multi-trip travel insurance?
- The price of annual multi-trip travel insurance
- What does annual multi-trip travel insurance cover?
- The conditions of annual multi-trip travel insurance
- The benefits of annual multi-trip travel insurance
- How to choose the right annual multi-trip travel insurance
- Checking Your Current Policies for annual multi-trip Travel Insurance Coverage
- FAQ
- On the same topic
Annual multi-trip travel insurance: key takeaways
1. Definition: Annual multi-trip insurance covers unlimited trips in one year, ideal for frequent travellers taking multiple journeys.
2. Price: An annual policy for an Australian traveller can range from approximately $300 to over $800 AUD.
3. Coverage: It typically covers medical emergencies and cancellations but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: Bank cards, Medicare, and private health insurance offer very limited or no comprehensive overseas travel insurance coverage.
5. Tips: Check individual trip duration limits (e.g., 30-90 days) and declare all pre-existing medical conditions before purchasing.
6. Other useful info: Annual policies are cost-effective for 3+ trips per year and often include domestic travel within Australia.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in Australia, our experts share everything you need to know to choose the best annual multi-trip travel insurance.
The best annual multi-trip travel insurance plans
Here is a selection of the best annual multi-trip travel insurance plans available for residents of Australia in 2025.
These policies stand out for their high medical limits, low deductibles and simplified conditions, offering reliable protection for frequent travelers year-round.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | 2,000,000 AUD | 100 AUD | • Unlimited trips up to 90 days per journey. • Comprehensive worldwide coverage. • Adventure sports cover included. • Easy online claims process. |
| Cap Assistance 24/24 | 1,000,000 AUD | 100 AUD | • 24/7 multilingual helpline. • Direct billing to hospitals. • Travel delay and baggage loss protection. • No age-based premium increases. |
| Tourist Card | 2,000,000 AUD | 250 AUD | • Family and group discounts. • Pre-existing conditions option. • Covers rental car excess. • Fast assistance and support. |
| World Travel | 1,500,000 AUD | 200 AUD | • Worldwide medical network. • Telemedicine available. • Emergency cash advance services. • Pet care included during trips. |
| Globe Partner | 1,000,000 AUD | 150 AUD | • Flexible maximum trip duration choices. • Business travel benefits. • 24/7 global emergency support. • Fast digital claims. |
| Globe Traveller | 1,000,000 AUD | 150 AUD | • Suitable for both business and leisure. • Longer trip coverage for each travel. • Clear policy terms. • Multilanguage customer service. |
• Comprehensive worldwide coverage.
• Adventure sports cover included.
• Easy online claims process.
• Direct billing to hospitals.
• Travel delay and baggage loss protection.
• No age-based premium increases.
• Pre-existing conditions option.
• Covers rental car excess.
• Fast assistance and support.
• Telemedicine available.
• Emergency cash advance services.
• Pet care included during trips.
• Business travel benefits.
• 24/7 global emergency support.
• Fast digital claims.
• Longer trip coverage for each travel.
• Clear policy terms.
• Multilanguage customer service.
The best annual multi-trip travel insurance may vary depending on your needs. We invite you to use HelloSafe’s travel insurance comparison tool to find the plan that suits you best and subscribe directly online.
Compare the best travel insurance policies for freeI compareWhat is annual multi-trip travel insurance?
Annual multi-trip travel insurance is coverage that protects Australians taking multiple journeys within a 12-month period, with continuous protection for each individual trip.
It covers medical emergencies, trip cancellations, lost or delayed baggage, and personal liability for unlimited trips, with each trip usually limited to 30, 45, or 90 days.
This type of insurance is cost-effective for frequent travellers compared to buying several single-trip policies and can also be called annual travel insurance.
Annual multi-trip insurance is not suitable for uninterrupted travel beyond the per-trip duration specified in the policy terms.
Expert advice
Here are the situations where taking out annual multi-trip travel insurance is especially relevant if you live in Australia:
- For frequent travellers taking three or more separate trips per year.
- If you often book spontaneous or last-minute international trips.
- For business travellers with multiple overseas work commitments during the year.
- When visiting family or friends overseas on several occasions annually.
- For a mix of international holidays and domestic trips within Australia.
- To simplify travel plans by having continuous, year-round insurance coverage.
- For regular short getaways, like cruises or trips to New Zealand.
The price of annual multi-trip travel insurance
On average, annual multi-trip travel insurance costs between $280 and $1,200 per year, depending on your travel profile and coverage level.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 4 business trips to Asia (5-7 days each) | $8,000 | $450 to $650 |
| 6 weekend getaways to New Zealand | $4,200 | $280 to $420 |
| 3 family holidays + 2 business trips | $24,000 | $650 to $950 |
| Monthly visits to the UK (2-3 weeks each) | $32,000 | $800 to $1,200 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your annual multi-trip travel insurance depends on several factors:
- trip frequency and duration: more trips and longer individual journeys increase the annual premium.
- destination: travel to regions with high medical costs, such as the USA or Japan, makes insurance more expensive.
- traveller’s age: older travellers often pay higher premiums or face coverage limits.
- level of coverage: comprehensive plans with high medical limits and extra benefits cost more than basic policies.
- selected options: cover for adventure sports, business travel, or family members adds to the cost.
- pre-existing conditions: policies covering medical history or chronic illness are priced higher.
What does annual multi-trip travel insurance cover?
Annual multi-trip travel insurance is a policy designed for frequent travelers who take several trips each year, both overseas and within Australia. It offers ongoing protection for unlimited journeys over a 12-month period, with each trip covered up to a set duration.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| ✈️ Trip cancellation | Refund of travel and accommodation costs if you cancel a trip for a covered reason before you leave. | Choose at least $5,000 cover with a deductible no higher than $100. Cancellation for a change of mind, government advice, or pre-existing events is often excluded. |
| 🚫 Travel delay | Pays for hotel, meals, and expenses after a long travel delay. | Seek $200+ cover after a 6-hour delay, with no deductible. Delays under 6 hours or delays not documented by the provider are not covered. |
| 🧳 Baggage loss or theft | Compensation if your luggage is lost, stolen, or damaged while travelling. | Minimum $3,000 per trip is recommended, and the deductible should be below $50. Cash, high-value electronics above the sublimit, and unattended baggage are commonly excluded. |
| 🕒 Luggage delay | Pays for essential purchases if your checked bag is delayed by an airline. | At least $150 after 24 hours, with no deductible usually. Delay upon your return home or lack of an airline confirmation is excluded. |
| 🏥 Emergency medical expenses abroad | Key guarantee. Covers urgent hospital and doctor care if you get sick or are injured overseas. | The minimum cover should be $1,000,000 for foreign travel, with deductible under $100. Pre-existing conditions, dental, and elective treatment are typically excluded. |
| 🚑 Medical repatriation | Key guarantee. Pays to bring you back to Australia if medically necessary. | Cover should be unlimited, or no less than $500,000. Non-medical repatriation or refusal by the insurer are excluded. |
| 🔑 Personal liability | Covers costs if you accidentally injure someone or damage property during a trip. | At least $1,000,000 cover and no more than $100 deductible is advised. Damage to your own belongings, rental property, or deliberate acts are excluded. |
| ⚖️ Legal assistance | Refunds lawyer or legal fees if you get into trouble overseas while travelling. | Minimum recommended cover is $5,000 with deductible below $250. Criminal or business disputes, fines, or costs from alcohol or drugs are commonly excluded. |
| 🦷 Emergency dental care | Urgent pain-relief or treatment for unexpected tooth problems during your travels. | Opt for at least $500 per trip and deductible below $30. Routine dental care, cosmetic treatment, or pre-existing dental issues are not covered. |
| 💔 Trip interruption | Refunds unused travel services if you have to return home abruptly for a covered emergency. | Aim for at least $2,000 per trip, and deductible should be less than $100. Non-emergency returns, voluntarily ending your trip early, or minor personal reasons are excluded. |
Cancellation for a change of mind, government advice, or pre-existing events is often excluded.
Delays under 6 hours or delays not documented by the provider are not covered.
Cash, high-value electronics above the sublimit, and unattended baggage are commonly excluded.
Delay upon your return home or lack of an airline confirmation is excluded.
Pre-existing conditions, dental, and elective treatment are typically excluded.
Non-medical repatriation or refusal by the insurer are excluded.
Damage to your own belongings, rental property, or deliberate acts are excluded.
Criminal or business disputes, fines, or costs from alcohol or drugs are commonly excluded.
Routine dental care, cosmetic treatment, or pre-existing dental issues are not covered.
Non-emergency returns, voluntarily ending your trip early, or minor personal reasons are excluded.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the annual multi-trip travel insurance best suited to your needs and travel habits, easily compare offers on HelloSafe.
The conditions of annual multi-trip travel insurance
To be eligible for coverage under annual multi-trip travel insurance, several important conditions must be met at all times.
- Timing of purchase: you must purchase the policy before your first trip covered under the annual plan begins.
- Residency requirement: you must be an Australian resident and based in Australia when taking out the policy.
- Trip duration limits: each individual trip must not exceed the maximum length allowed per trip, usually 30 to 90 days.
- Number of trips: unlimited trips are allowed, but the policy requires every trip to begin and end in Australia.
- Destinations covered: you must check that your policy covers all countries you plan to visit, including regions with high medical costs.
- Pre-existing conditions: all existing medical conditions must be declared and specifically accepted by the insurer for coverage to apply.
- Incident notification: you must notify your insurer as soon as possible after any claimable event, such as loss or medical emergency.
- Excluded activities: claims resulting from excluded sports, adventure activities or illegal acts will not be covered unless listed as included in your policy.
Watch out!
A common mistake for Aussies is assuming an annual policy covers one year-long trip. In fact, these policies have a maximum duration for each individual journey, typically 30-90 days. Staying longer can void your insurance for that entire trip, leaving you completely exposed.
The benefits of annual multi-trip travel insurance
Frequent travel means greater exposure to unexpected medical emergencies, and costs from these incidents during any annual multi-trip can quickly add up while abroad.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to 100%, according to policy limit |
| Medical repatriation |
| Often covered in full if medically required |
| Appendicitis surgery and hospitalization |
| Up to $10,000,000 AU |
| Stitches after a fall |
| Up to 100%, up to policy maximum |
| Emergency tooth extraction |
| Partial or up to maximum allowable |
- Europe: $400–$600 AU
- North America: $1,200–$2,000 AU
- Asia: $200–$400 AU
- Europe: $50,000–$100,000 AU
- North America: $80,000–$150,000 AU
- Asia: $30,000–$80,000 AU
- Europe: $8,000–$15,000 AU
- North America: $25,000–$50,000 AU
- Asia: $3,000–$8,000 AU
- Europe: $300–$500 AU
- North America: $800–$1,500 AU
- Asia: $150–$300 AU
- Europe: $250–$450 AU
- North America: $800–$1,500 AU
- Asia: $100–$200 AU
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Besides medical cover, annual multi-trip travel insurance may include trip cancellation or interruption, loss or delay of luggage, personal liability, travel delay, rental car excess, and emergency evacuation, providing full protection on all of your journeys throughout the year.
Good to know
Take multiple trips? An annual policy offers unbeatable value and convenience. Set it once and you’re covered for every holiday, from a weekend in Fiji to a month in Europe. With options like AVA's multi-trip plan, you save money and skip the hassle of repeat buying.
How to choose the right annual multi-trip travel insurance
Annual multi-trip travel insurance plans differ widely in reimbursement limits, exclusions, and policy rules. Compare each important criterion to ensure your policy properly suits your travel frequency, destinations, and needs throughout the year.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | High annual trip frequency means higher risk of claims, so low limits may be insufficient | Choose $1,000,000+ for medical cover if you expect to visit USA, Canada, or multiple destinations. |
| 📉 Deductible | You pay the excess amount per claim, which can add up across multiple trips | Select a deductible you can afford in case of several incidents within the same policy year. |
| 📋 Policy conditions | Waiting periods, excluded activities or regions, and documentation rules vary by plan | Check if last-minute or work trips are allowed and know rules for pre-existing condition cover. |
| 👵 Traveller’s age | Age may influence eligibility, coverage limits, or policy price | Review age limits and premium hikes for seniors, especially if you plan frequent or long trips. |
| 👨👩👧 Traveller profile | Business, family, or solo travel each require different covers and support | Pick a plan designed for your type of travel and make sure all household members are named. |
| 📆 Trip duration | Most annual policies limit each trip to between 30 and 90 days | Ensure the maximum per-trip limit matches your longest journey each year, or seek higher durations. |
| 🌍 Geographic area | Coverage applies to specified countries or regions; some zones cost more to insure | Check all nominated destinations are covered and USA/Canada are not excluded by default. |
| 🛡️ Existing coverage | Credit card or health insurance may have lower limits or more exclusions | Audit other cover before purchase to avoid overpaying or leaving gaps for key risks like baggage or delays. |
| 🧗 Planned activities | Annual trip plans may include adventure or business activities which need extra cover | Declare all sports, work, and events in advance to be sure these are fully covered with your insurer. |
Checking Your Current Policies for annual multi-trip Travel Insurance Coverage
It is reasonable to question if your current insurances, like credit card covers or the public health system, could provide you with annual multi-trip travel insurance, but unfortunately, this is often not sufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Annual multi-trip travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | Limited emergency care only in reciprocal countries, no cover for USA, Asia, or repatriation. No baggage, cancellations, liability, or coverage for multiple journeys worldwide. | Travel insurance reimburses up to $10,000,000 for medical care, cancellations, and multiple trips in all regions. |
| Private health insurance (Medibank, Bupa Australia) | Almost never | Some overseas emergency medical, generally less than $5,000, certain countries only. No trip cancellation, baggage, delay, or multi-country protection for all trips. | Travel insurance covers trip interruptions, cancellations, high medical costs, and global claims up to $10,000,000. |
| Classic credit card (NAB Classic, Westpac Standard) | Never | Occasionally basic medical up to $500,000 and baggage up to $5,000, but no policy for multiple annual trips. No trip cancellation, liability, adventure or business coverage. | Travel insurance guarantees multiple trips, higher medical, cancellations, activities and liability up to $10,000,000. |
| Premium credit card (ANZ Frequent Flyer Black, AMEX Platinum) | Limited coverage | Medical cover typically up to $1,000,000, baggage up to $10,000, short trip durations only. No ongoing worldwide multi-trip cover, work or adventure activities, or family add-ons. | Travel insurance includes unlimited trips, family cover, extended trip durations and adventure sports, up to $10,000,000. |
No baggage, cancellations, liability, or coverage for multiple journeys worldwide.
No trip cancellation, baggage, delay, or multi-country protection for all trips.
No trip cancellation, liability, adventure or business coverage.
No ongoing worldwide multi-trip cover, work or adventure activities, or family add-ons.
Expert advice
Don't assume your bank card or health insurance has you covered. Critical situations, like cutting a trip short for a family emergency, are often excluded. Read the PDS carefully to avoid nasty surprises. For true peace of mind, it's always safer to get dedicated travel insurance tailored to your trip.
FAQ
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is rarely mandatory, but can be required when visiting certain countries—especially within the Schengen Area or for specific long-stay visas. More commonly, it is strongly recommended for Australians who travel abroad multiple times a year. For example, frequent business travellers or families visiting Europe several times are financially protected against unexpected medical or trip disruptions.
When is it recommended to purchase annual multi-trip travel insurance?
The best time to purchase annual multi-trip travel insurance is before your first planned journey in the coverage year. Early purchase ensures you are protected from the moment you leave home, covering any unforeseen cancellations, travel delays, or emergencies. This approach also prevents gaps in coverage if you decide on spontaneous trips throughout the year.
How do I purchase annual multi-trip travel insurance?
First, compare policies tailored for frequent travel using HelloSafe’s travel insurance comparison platform. Carefully check guarantees and exclusions to ensure comprehensive protection that suits your travel style and all destinations. Purchase your preferred policy online and receive your insurance certificate by email for immediate peace of mind and documentation.
Can I purchase annual multi-trip travel insurance after my first trip has started?
Most insurers require you to purchase annual multi-trip travel insurance before your initial trip commences to activate coverage for all subsequent journeys. If you buy after departure, you may not be covered or could face exclusions on current or ongoing trips. Always secure coverage before leaving Australia to ensure full protection.
How do I make a claim on annual multi-trip travel insurance?
To make a claim, contact your insurer’s claims team or use their online portal, providing supporting documents such as invoices, medical records, or police reports. Each claim applies to a specific trip, so keep detailed records for every journey. Prompt submission and complete paperwork help speed up the process for reimbursement or assistance.
Are pre-existing medical conditions covered by annual multi-trip travel insurance?
Some annual multi-trip travel insurance policies offer cover for stable pre-existing medical conditions, usually after medical assessment or with additional premiums. Always declare any medical condition when applying and read the policy wording thoroughly. Failing to disclose conditions may mean claims relating to them are not covered.
Does annual multi-trip travel insurance include coverage for adventure activities and business travel?
Many annual multi-trip policies offer optional or included coverage for adventure sports such as skiing, scuba diving, or trekking, as well as business travel needs like equipment protection. However, high-risk activities or work-related claims may have exclusions or restrictions. Check your policy and add appropriate cover if these are part of your travel plans.
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is rarely mandatory, but can be required when visiting certain countries—especially within the Schengen Area or for specific long-stay visas. More commonly, it is strongly recommended for Australians who travel abroad multiple times a year. For example, frequent business travellers or families visiting Europe several times are financially protected against unexpected medical or trip disruptions.
When is it recommended to purchase annual multi-trip travel insurance?
The best time to purchase annual multi-trip travel insurance is before your first planned journey in the coverage year. Early purchase ensures you are protected from the moment you leave home, covering any unforeseen cancellations, travel delays, or emergencies. This approach also prevents gaps in coverage if you decide on spontaneous trips throughout the year.
How do I purchase annual multi-trip travel insurance?
First, compare policies tailored for frequent travel using HelloSafe’s travel insurance comparison platform. Carefully check guarantees and exclusions to ensure comprehensive protection that suits your travel style and all destinations. Purchase your preferred policy online and receive your insurance certificate by email for immediate peace of mind and documentation.
Can I purchase annual multi-trip travel insurance after my first trip has started?
Most insurers require you to purchase annual multi-trip travel insurance before your initial trip commences to activate coverage for all subsequent journeys. If you buy after departure, you may not be covered or could face exclusions on current or ongoing trips. Always secure coverage before leaving Australia to ensure full protection.
How do I make a claim on annual multi-trip travel insurance?
To make a claim, contact your insurer’s claims team or use their online portal, providing supporting documents such as invoices, medical records, or police reports. Each claim applies to a specific trip, so keep detailed records for every journey. Prompt submission and complete paperwork help speed up the process for reimbursement or assistance.
Are pre-existing medical conditions covered by annual multi-trip travel insurance?
Some annual multi-trip travel insurance policies offer cover for stable pre-existing medical conditions, usually after medical assessment or with additional premiums. Always declare any medical condition when applying and read the policy wording thoroughly. Failing to disclose conditions may mean claims relating to them are not covered.
Does annual multi-trip travel insurance include coverage for adventure activities and business travel?
Many annual multi-trip policies offer optional or included coverage for adventure sports such as skiing, scuba diving, or trekking, as well as business travel needs like equipment protection. However, high-risk activities or work-related claims may have exclusions or restrictions. Check your policy and add appropriate cover if these are part of your travel plans.
On the same topic
