Annual Travel Insurance for multiple trips

If you travel more than once a year, annual multi-trip travel insurance can save you time, money and hassle.

An annual policy, sometimes called a multi-trip policy, covers you for as many trips as you can fit into an entire 12-month period and you only need to get a policy once, which means you'll have more time and money left over to plan your next holiday. In fact, our research suggests that you could save as much as $180 in as little as three trips.

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What is annual multi-trip travel insurance?

An annual travel insurance policy is one that covers you for an unlimited number of trips during a 12-month period, unlike a single-trip policy. Although you can go on as many trips as you'd like, there's usually a maximum trip duration of anywhere from 21-93 days. That means none of your individual trips can last longer than the timeframe listed on your policy.

Is an annual policy worth it?

If you travel frequently, an annual travel insurance policy can save a lot of precious money, time and hassle. That makes it easily worth it in our opinion. Here's how it can help:

• Money. 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. You don't have to fill out new forms for every new trip.
• Hassle. If you want to travel at the drop of a hat, you can just pick up and go - with one less thing to worry about.

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How do different annual policies compare?

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	Apply
	90 days 45 days 21 days	90 days 45 days 21 days	64	Get Quote
	45 days 31 days	No Cover	70 and 70+	Get Quote
	60 days 45 days 30 days	60 days 45 days 30 days	69	Get Quote
	60 days 45 days 30 days	60 days 45 days 30 days	74	Get Quote
	30 days	No Cover	75	Get Quote
	60 days 45 days 30 days	60 days 45 days 30 days	Not stated	Get Quote
	60 days	60 days	69	Get Quote
	60 days 45 days 30 days	30 days 15 days	74 -International 99 - Domestic	Get Quote
	63 days 40 days 25 days 15 days	No Cover	64	Get Quote
	60 days 45 days 30 days	60 days 45 days 30 days	100	Get Quote
	93 days 62 days 45 days 31 days	93 days 62 days 45 days 31 days	80	Get Quote
	60 days 35 days	60 days 35 days	69	Get Quote
	30 days 45 days 60 days	15 days 30 days	Not stated on the PDS	Get Quote
	60 days	60 days	84	Get Quote
	45 days 30 days 15 days	45 days 30 days 15 days	74	Get Quote
	21 days	21 days	64	Get Quote
	60 days	60 days	70	Get Quote
	93 days 62 days 45 days 31 days	93 days 62 days 45 days 31 days	70	Get Quote
	45 days 30 days 15 days	45 days 30 days 15 days	74	Get Quote
	45 days 30 days 15 days	45 days 30 days 15 days	74	Get Quote
	45 days 30 days 15 days	45 days 30 days 15 days	74	Get Quote
	45 days 15 days	45 days 15 days	69	Get Quote

What does annual travel insurance cover?

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

• 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 covered?

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.

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Looking for the best annual travel insurance? Here's how to find it

Since you're signing up for a year's worth of cover, it makes sense to get the best policy you can for your needs. Here's how to find the best policy depending on which of these statements apply to you:

• You've got some long trips planned. Most policies set limits on the number of days you'll be covered per individual trip. Limits can vary from 21 - 93 days depending on the insurer, the destination and the purpose of the trip (i.e. business vs. leisure). If you'll be gone more than three weeks on any one trip, the best policy for you will be the one that offers to cover you for the whole thing.
• You're travelling both internationally and domestically. Some policies only offer this cover for international trips and won't apply it toward domestic ones. If you want covered internationally and domestically, the best policy for you will be one that covers both types of trips. Otherwise, you'll have to buy separate policies, defeating the whole purpose!
• You're a senior. Some insurers have lower age limits on their annual policies than they do on their single-trip policies. For example, they might cut you off at 64 for an annual policy but still offer you a single-trip policy until age 69. The best one for you will one that doesn't force you into buying multiple single-trip policies throughout the year.
• You're going on a cruise. Most annual policies don't automatically cover you when you're at sea, but plenty will offer to cover you for an additional fee. So if you are going cruising, the best annual policy will be one of the few that automatically covers you or one that at least offers you added cruise cover at a reasonable cost.
• You're taking part in specialised activities. You'll usually need extra cover if you are going skiing, golfing, trekking or taking part in any other activity that could either be considered risky or involve expensive equipment and/or access fees. The best policy for you will be one that either automatically includes cover for your chosen activity or offers it at a reasonable rate.

How much does yearly travel insurance cost?

The cost of annual travel insurance will be different for everyone since everyone's trip details will be different and personal details like age and health will also factor in. However, we wanted to give you some sense of cost, so we ran some quotes offering a glimpse into the price.

This example compares the cost of an annual policy vs the cost of a comparable two-week long single-trip policy for 35-year-old travelling to the United States. As you can see, it's possible to save in as little as two trips! Three trips would save this traveller an average of $155.41 among the brands we compared.

*The quotes above are from 8 March 2019. Please use the tool above for the most accurate pricing.

Questions you might have about annual travel insurance

• Can I buy annual travel insurance if I'm a senior?

  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.

• Are cruises covered under an annual travel insurance policy?

  Some insurers automatically offer cruise cover but most don't. If you're going cruising, you'll most likely need to add cruise cover to your policy for an additional fee.

• What destination do I select?

  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.

• Can I get a family annual travel insurance policy?

  Yes, there are some insurers that offer annual travel insurance policies for families.

• If I have a family annual travel insurance policy, am I covered if I travel alone?

  It will depend on your provider. However, as long as you're named on the Certificate of Insurance you'll generally be covered if you travel separately.

• Can I get annual insurance for large groups?

  Annual cover is usually not available for groups. If you're planning on travelling in a group, you'll need to opt for a single-trip policy.

• I am going to multiple destinations on my next trip. Do I need an annual multi-trip policy?

  No. You can get cover for multiple destinations on a standard single trip policy, as long as all the destinations are part of one overall journey. There are long term travel insurance policies that cover single trip journeys of up to 540 days. You generally only need the annual policy if you will be returning to Australia between trips.

• I mostly travel for business. Is there any point to buying an annual policy?

  For sure! Business cover is usually included in an annual frequent travel insurance policy, which means it doesn't matter whether you are travelling for business or going on a holiday.

  However, insurers usually won't pay any medical bills that's already covered by your employer's worker's compensation policy. Some policies will also exclude manual labour from cover.

• Is annual travel insurance tax deductible if I'm travelling for work?

  No. Unfortunately, you can't claim travel insurance as a tax deduction.

• Can I get annual travel insurance for more than 90 days?

  Just barely. The longest max-trip duration we've seen is 93 days from Travel Insuranz. If you're taking a single trip that's longer than that, you'll need to get a separate single-trip policy for that trip. You can find single-trip policies that will cover trips of up to 540 days.

• Does an annual policy cover motorcycling?

  Yes. Your travel insurance will generally cover you if you ride a motorbike overseas. However, this will depend on the engine capacity of the bike and whether or not you have a valid motorbike licence and wear the proper protective gear.

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