Annual Travel Insurance for multiple trips

You could save as much as $180 in as little as three trips with annual travel insurance.

Updated Sep 11, 2020

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Important:

Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:

If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

If you travel more than once a year, you can save some money by getting an annual travel insurance policy. Not only will it save you a few dollars, it can also save you time and hassle from having to take out a new policy each time you travel.

Compare annual multi-trip travel insurance

Not sure where you'll be travelling to? Just enter "worldwide" into the destination box.

Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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Answered

What is annual travel insurance?

Annual travel insurance is a type of policy that can cover you for multiple trips within a 12 month period. It's also known as a multi-trip policy. Annual travel insurance shouldn't be mistaken for long term travel insurance which gives you cover if your travelling continuously for +6 months without returning home.

A multi-trip policy is different to a single trip policy because you can travel as many times as you want but trip durations are typically capped off at 90 days. This can vary across different brands.

3 benefits of annual travel insurance

Cheaper than buying single trip policies. An annual policy can usually save you money if you're taking three or more trips per year but depending on where you are going, it's possible to save even if you only travel twice.
Time saver. You don't have to fill out new forms for every new trip. If you get a worldwide policy, you can be covered for domestic trips too.
Automatic coverage. Have one less thing to think about when you're preparing for your trip. With an annual policy, you just have to buy it once and you'll be covered for the rest of your trips for the next 12 months (as long as you

Looking for the best annual travel insurance?

Based on popularity, here are the top 5 brands that people choose from Finder for their annual travel insurance.

Brand	Maximum trip duration options	Maximum age limit	Overseas medical expenses	Cancellation expenses
1cover	90 days 45 days 21 days	Under 64	Unlimited	Unlimited
Australia Post	60 days 45 days 30 days	Under 74	Unlimited	Chosen cover
Budget Direct	30 days	Under 75	Unlimited	Unlimited
Insure4less	93 days 62 days 45 days 31 days	Under 66	Unlimited	$7,500
Online Travel Insurance	45 days 30 days 15 days	74 years and under	Unlimited	Chosen cover

*These are the top 5 brands for annual multi-trip policies on Finder between October 2018 - 2019. Limits are for their top level of cover.

How to compare annual travel insurance

Before you start comparing, there are some critical points to consider such as destinations, trip durations and age limits.

Destinations. Just like normal travel insurance, the price you pay will depend on where you intend ongoing. If you're trying to save money, you can list out specific destinations and get a premium for those places only. If you're going for convenience, select "Worldwide" and you'll be covered for all destinations - including domestic travel, and it's really not that much more expensive for most insurers.
Trip duration. Annual multi-trip policies will only cover you for the maximum trip duration that you choose at the time you buy the policy. It can vary amongst different brands but it can range from 15 days up to 90 days.
Age limits. Most brands have an age limit on who can take out an annual policy which is usually around the mid-70s. If you're older you can still get cover but it might be limited to only a few brands.

Now that you've made all the important considerations, you can start comparing! Using our comparison tool:

Enter your destination
Enter the departure date of your first trip
Enter your age
Then get your quote
Use the sorting tool to choose a trip duration that's suitable for you
Use the finder rating to help you choose a level of cover
Choose a price that suits your budget

Start comparing

This is how your annual travel insurance comparison will appear.

How to compare annual travel insurance

How much does it cost?

Say you take three trips over the course of the year - one week in Bali, three weeks in the US and three weeks in the UK. If you purchase a comprehensive single trip policy with Budget Direct (Finder's top-rated travel insurance policy) for each trip, you're looking at a combined cost of $261.09*. However, Budget Direct's Annual Multi-Trip policy costs $167.40* - meaning you're looking at savings of $93.69.

Annual travel insurance cost graph

Better yet, if you opt for a Worldwide annual multi-trip policy from Budget Direct, it's only $21.22 more. Then you won't have to restricted by countries and you'll be covered for trips that weren't expected at the time you bought your policy.

^{*Prices are based on 30 year old traveller with an excess of $200, as of October 2019.}

Annual multi trip travel insurance comparison

Before choosing your policy, consider the maximum duration of each of your trips. Some brands will let you travel for up to 90 days while others will only let you travel up to 30 days. Check out the comparison of annual travel insurance policies from Finder partners below.

Brand	International individual trip duration options	Domestic individual trip duration options	Maximum Age
1cover	90 days 45 days 21 days	90 days 45 days 21 days	64
AllClear	45 days 31 days	No Cover	70 and 70+
American Express	60 days 45 days 30 days	60 days 45 days 30 days	69
Australia Post	60 days 45 days 30 days	60 days 45 days 30 days	74
Columbus Direct	60 days	60 days	69
fastcover	63 days 40 days 25 days 15 days	No Cover	64
InsureandGo	60 days 45 days 30 days	60 days 45 days 30 days	100
Insure4less	93 days 62 days 45 days 31 days	93 days 62 days 45 days 31 days	70
Medibank	30 days 45 days 60 days	15 days 30 days	Not stated on the PDS
Online Travel	45 days 30 days 15 days	45 days 30 days 15 days	74
Travel Insurance Saver	45 days	45 days	All ages
Travel Insuranz	93 days 62 days 45 days 31 days	93 days 62 days 45 days 31 days	70
Virgin	45 days 30 days 15 days	45 days 30 days 15 days	74
Webjet	60 days 45 days 30 days	60 days 45 days 30 days	74
World Care	45 days 30 days 15 days	45 days 30 days 15 days	74
World2cover	30 days	No cover	74
Zoom	45 days 15 days	45 days 15 days	69

What's included?

Multi-trip travel insurance covers all the same things as a single-trip policy. This means you can expect cover for:

Cruise and Ski cover. Some annual travel insurance policies automatically include cruise and ski cover in their policies. If you plan to go on a cruise or ski during one of your trips, go for a policy that includes these services.
Medical expenses including evacuation. If you get sick or injured while overseas, your policy will cover the cost of your ambulance, hospital bed, surgery fees and evacuation to the nearest hospital (or back to Australia if necessary). Most annual policies offer unlimited medical for international trips, which helps with peace of mind knowing you're covered no matter where you go.
Additional emergency expenses. This covers the additional travel and accommodation expenses related to emergencies outside of your control, like becoming medically unfit to travel or the unexpected death of a close relative back home. Most policies will also pay for someone in Australia to travel to you if you're hospitalised overseas.
Cancellation fees and lost deposits. This covers your non-refundable pre-paid travel expenses and any cancellation fees if you have to cancel your trip due to unexpected events outside of your control.
Luggage and personal belongings. Covers the repair or replacement costs for luggage and personal items are lost, stolen or damaged during your trip. Some policies will pay you an emergency allowance to help you purchase essential clothing and toiletries if an airline temporarily misplaces your luggage.
Travel delay. This pays for unexpected meal and accommodation costs when your flight or other prepaid transportation is rescheduled or delayed for a significant amount of time.
Rental vehicle excess insurance. This brings down the unreasonably high excess car rental companies charge if you damage one of their cars. Some policies offer this for free. Others charge extra for it.
Personal liability. This pays your legal fees and penalties if you accidentally injure someone or damage their property while travelling.

What's not included?

All policies have a list of exclusions, which outlines what your policy won't cover and what situations will void your policy. You can check out our guide to travel insurance exclusions for a thorough rundown, but here are some of the most common exclusions you'll find:

You're travelling somewhere there's a travel warning. The Australian Government issues advisories for a reason. If you choose to travel to these countries and ignore these warnings, your insurance will be invalid.
You don't take care of your belongings. Your insurer won't pay for lost items if you weren't careful with them. This includes leaving your luggage or valuables unattended or leaving your hotel room unlocked.
You're taking part in extreme or dangerous activities. Most policies won't cover extreme sports or other dangerous activities such as base jumping or mountaineering.
You were acting recklessly. Your insurer can deny your claim if they find you were acting recklessly at the time. This can include being drunk, being high, breaking the law or putting yourself in harm's way.
Illness or injury from pre-existing conditions. If you fail to disclose any pre-existing conditions, your insurer could deny medical claims if they think the new injury or illness is related.
You're pregnant. Most policies will not cover childbirth at all and they'll stop covering pregnancy-related complications up to a certain point in the pregnancy (varies from insurer to insurer). However, they will cover all unrelated medical conditions like a broken wrist for the duration of the trip.

Questions you might have about annual travel insurance

Yes, there are plenty of insurers who will offer annual multi-trip travel insurance policies to seniors. Some will cover people up until the age of 100, while others will set the age limit a little lower. Others don't have an age limit at all, and will consider your age together with your pre-existing conditions and other personal details to determine if they'll cover you or not. You may find that a select few insurers will set a lower age limit on their annual policies than they use on their single policies.
Some insurers allow you to select a blanket annual policy that offers a worldwide destination option. Other insurers allow you to pick specific regions and the region you select affects the cost of your policy. If you're going to multiple regions, such as Asia, Europe and the Americas, you can usually just include all three in your quote form. If you're unsure, just call the insurer and ask.

Compare annual policies from different brands

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Gary Hunter

Gary Hunter is a writer at Finder, specialising in insurance. He has a Bachelor of Arts in English Literature from the University of Glasgow and has previously worked for Real Insurance as a content specialist.

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30 Responses

samFebruary 20, 2019

Please send quotes for comprehensive annual travel insurance. Travel several times a year for personal travel and conference – international and local. Sometimes travel together and other times independently. We are both healthy.

Reply
- finder Customer Care
  
  JeniFebruary 22, 2019Staff
  
  Hi Sam,
  
  Thank you for getting in touch with finder.
  
  Since you need to start comparing your travel insurance options, kindly enter all details asked on the table such as where you’re going to, age of travellers and date of your first trip then click on the get quote green button. The page will then show quotes and you may filter your search including level of cover – Basic, Standard and Comprehensive, as well as required cover options. Once you have chosen an insurer, please click on the green go to site button to be redirected to the provider’s official page to learn more on the multi-trip travel insurance they offer or even start your online application.
  
  I hope this helps.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply
CatherineDecember 17, 2018

I will be travelling to South Africa in August then cruising from Barcelona to Dubai in November. Can I get annual insurance to include both?

Reply
- finder Customer Care
  
  JeniDecember 19, 2018Staff
  
  Hi Catherine,
  
  Thank you for getting in touch with finder.
  
  Yes, they are included in an annual multi-trip travel insurance. It covers you for as many trips as you can fit into an entire year with just one policy paid for upfront.
  
  I hope this helps.
  
  Please feel free to reach out to us if you have any other enquiries.
  
  Thank you and have a wonderful day!
  
  Cheers,
  Jeni
  
  Reply
DavidFebruary 22, 2018

Age is 76 years Still working Would like Annual policy mixture of work and pleasure trips Work 10 Days (av) and pleasure 35 Max Days

Reply
- finder Customer Care
  
  JonathanFebruary 22, 2018Staff
  
  Hi David, thanks for your inquiry.
  
  Have you tried using the travel insurance engine on this page? It allows you to enter the dates of travel and your destination to generate quotes for your travel insurance options.
  
  I hope this helps.
  
  Thanks,
  
  Jonathan
  
  Reply
DesJanuary 12, 2018

I travel to Europe for pleasure typically from
Apr-Oct each year..sometimes stopping off in Asia on the way. What is the best insurance to cover me for this length of time? I do not always book my trip originating from Australia…sometimes it can originate from Europe. My partner is not an Australian resident (European).

Reply
- finder Customer Care
  
  JoanneJanuary 12, 2018Staff
  
  Hi Des,
  
  Thanks for reaching out.
  
  Here at finder we are unable to give recommendations, we can offer general advise.
  The page you visited is accurate as it will allow you to compare qoutes between insurers. You just need to enter you details and all the destinations you will be going to and from there you can receive qoutes.
  
  While annual travel insurance covers an unlimited number of trips, there is a limit to the maximum duration of each individual trip. This limit varies from one insurer to the next, but you’ll often have several options to choose from. For example, you may be able to choose a maximum individual trip limit of 30, 60 or 90 days.
  
  It would be best to check on the level of cover first and contact the insurer you are interested in to make sure all your questions are answered that way you select the insurance that would suit you best.
  
  Cheers,
  Joanne
  
  Reply
Jean83October 27, 2015

I want to find a combined annual multi trip policy for myself and my husband. But we won’t be travelling on all the same trips throughout the year. Please can you tell me which policies cover this? I know there are some that do,I just don’t know which ones.

Reply
- finder Customer Care
  
  RichardOctober 27, 2015Staff
  
  Hi Jean83,
  
  Thanks for your question. GoInsurance provide this cover only on the Go Plus level of cover. With 1Cover you are able to put two adults on an annual policy as it allows cover for you both individually. However, you must travel together for more than 75% of your trips and not exceed 90 days for a single trip.
  
  This is in no way a comprehensive list of the cover options available nor is it an endorsement of these products. You should carefully consider your needs and review the product prior to making a decision.
  
  I hope this was helpful,
  Richard
  
  Reply
PaulAugust 5, 2015

My daughter is going to South America only, from 14/08 to 15/11 (95 days?).What are her travel insurance options.??

Reply
- finder Customer Care
  
  RichardAugust 6, 2015Staff
  
  Hi Paul,
  
  Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to compare your daughters travel insurance options, please enter her travel details into the quote engine generator above.
  
  I hope this was helpful,
  Richard
  
  Reply
sunnyJuly 3, 2015

does multi trip travel insurance cover worldwide destination, not a particular country?

Reply
- finder Customer Care
  
  RichardJuly 4, 2015Staff
  
  Hi Sunny,
  
  Thanks for your question. Annual travel insurance covers you for world-wide travel. However, when selecting a policy you’ll need to choose a particular destination or region. You will need to select the highest region that applies to the area you’re travelling to, as this will ensure you’re covered by the policy in the event you need to make a claim.
  
  I hope this was helpful,
  Richard
  
  Reply
CsabaMay 26, 2015

My husband and I are missionaries and traveling during the year. Most of the times we spend more than 3 months in one country. What kind of annual multiple trip traveling insurance can you offer to us?

Reply
- finder Customer Care
  
  RichardMay 26, 2015Staff
  
  Hi Csaba,
  
  Thanks for your question. finder.com.au is a comparison service and not an insurer. Unfortunately, there is only one provider in our panel that provides cover on an annual policy of more than 90 days, Travel Insuranz, and even then it is only 93 days.
  
  If you are unable to find an annual policy that will cover extended periods, it may be best to just take out a single trip policy if you are only going to be travelling back and forth to the same country. If you take a standard single trip policy for a 12 month period, but plan to return home briefly in the middle of your trip, provided you have not returned early and made a claim on the insurance, you may be able to have continuous cover whilst overseas. Remember that you will not be insured whilst in your home country. You may also want to consider a backpackers travel insurance policy if you are planning on going to multiple countries.
  
  I hope this was helpful,
  Richard
  
  Reply
CaroleApril 29, 2015

Hi, we are looking at travelling to Bali 29/8 – 7/9/2015 we are 69 and 71 years of age.
Also going to Vancouver in November/December then 2016 going to England.
How much would it cost for a 12 month policy for us and how many days can we be out of the country at one time, also excess and what are we covered for.
Thanks Carole

Reply
- finder Customer Care
  
  RichardApril 30, 2015Staff
  
  Hi Carole,
  
  Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to compare the policies from our providers, please enter your travel details into the travel form at the top of the page.
  
  I hope this was helpful,
  Richard
  
  Reply
JohnApril 29, 2015

I am a volunteer missionary doing education work in East Africa. I travel to Africa for four months, then I’m back in Aus. for four months, and so on. In Africa I have a lot of travel by road, and a little by air. At 68yrs of age, but in great health, what’s best for me.

Reply
- finder Customer Care
  
  RichardApril 30, 2015Staff
  
  Hi John,
  
  Thanks for your question. It will depend on a number of factors. Unfortunately, most annual policies have a maximum trip duration of 90 days, so you may need to take out separate policies.
  
  I hope this was helpful,
  Richard
  
  Reply
- JohnApril 30, 2015
  
  Thanks Richard.
  If I did that – i.e. took out two 60 or 90 day policies consecutively, which companies/policies would be best geared for my circumstances.
  John.
  
  Reply
- finder Customer Care
  
  RichardApril 30, 2015Staff
  
  Hi John,
  
  Thanks for your question. Unfortunately, finder.com.au is a comparison service and we are not permitted to provide product recommendations. However, you may find the following resources helpful:
  Travel Insurance for Seniors
  Travel Insurance for Volunteers
  
  I hope this was helpful,
  Richard
  
  Reply

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Annual Travel Insurance for multiple trips

You could save as much as $180 in as little as three trips with annual travel insurance.

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