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Annual Multi-Trip Travel Insurance

What is Insure&Go’s Annual Multi-Trip Travel Insurance and how does it work?

If you’re a frequent international traveller, Insure&Go’s Annual Multi-Trip Travel Insurance offers a convenient and cost-effective way to stay covered year-round. Whether you’re a business traveller or a globetrotter, this policy provides added peace of mind for multiple trips within a 12-month period.

Our Annual Multi-Trip (AMT) policy is designed for those taking unlimited international trips over a year, with trip duration options of 30, 45, or 60 days. It’s ideal for frequent flyers who want comprehensive coverage without the hassle of purchasing insurance for each trip.

How is Annual Multi-Trip Travel Insurance different from a Single Trip policy?

Single Trip Policy: Covers a single trip within the dates you select at the time of purchase.
Annual Multi-Trip Policy: Covers unlimited international trips over a 12-month period. Choose between 30, 45, or 60 days for the maximum duration of each trip.

Note: AMT policies only cover international travel. For domestic travel, purchase our Domestic Travel Insurance Policy.

Why Choose Us for Your Annual Multi-Trip Travel Insurance?

Unlimited Number of International Trips

Unlimited Overseas Medical Expenses

Unlimited Cancellation Cover

Baggage covered up to $8,000 on Gold Policies

Award-winning Travel Insurance Company

All Pre-existing Medical Conditions considered online

When to choose the Annual Multi-Trip Travel Insurance option?

Even if you travel just 2-3 times a year, an Annual Multi-Trip Policy can be cost-effective and convenient. It’s ideal for those who prefer short-term trips but don’t want the hassle of arranging new insurance every time.

What are the key benefits of Annual Multi-Trip Travel Insurance?

Cover for connecting flights^
Unlimited number of international trips
All pre-existing conditions considered
Unlimited Overseas Medical Expenses
Unlimited Cancellation Cover
Baggage protection up to $8,000 on Gold Policies
There is no need to notify us of each trip if it is within the policy’s duration and destination bracket
Up to 90 sports and activities included, such as hiking, diving, snorkelling, golfing, cycling, kayaking and bungee jumping
Award-Winning Travel Insurance company

Can seniors get Annual Multi-Trip Travel Insurance with Insure&Go?

Yes, seniors can take out Insure&Go Annual Multi-Trip Travel Insurance.

There is no need to select or purchase a separate seniors travel insurance policy. The age limit depends on the level of cover you select:

Bare Essentials AMT Cover: Available to travellers who are 79 years of age or under at the date of application.
Silver & Gold AMT Cover: Available to travellers who are 100 years of age or under at the date of application.

Note: For travellers aged 80 or over, the maximum duration of cover for any one trip is 30 days if you select a Worldwide excluding or Worldwide including travel plan.

What options are available for long-duration trips with Insure&Go?

If you're planning a trip that lasts longer than 60 days, this policy might not be the best fit for you. For travellers over 80 years old, the maximum duration for any single trip is 30 days under the ‘Worldwide excluding’ or ‘Worldwide including’ travel plans.

If you need coverage for a longer stay, more than 60 days, we offer One-Trip Travel Insurance. This option can cover you for up to 12 months at your destination, providing the added peace of mind you need for your long-duration travel.

Annual Multi-Trip Insurance FAQs

Why should you consider an Annual Multi-Trip Travel Insurance policy?

The type of insurance you buy is entirely up to you. However, if you want to be covered for unlimited international trips throughout the year, the AMT policy might be the right fit for you.

Do you need to notify Insure&Go every time you travel with an Annual Multi-Trip policy?

No, you are free to travel whenever you like. As long as you make sure you stick to your policy’s duration and destination bracket.

How do trip duration limits work in Annual Multi-Trip Travel Insurance?

When you select your AMT policy, you can choose from three cover options based on the maximum duration of the trips you intend to take throughout the year (30, 45 or 60 days). The insurance payouts for each policy are the same.

Does Annual Multi-Trip Travel Insurance cover cruises?

Yes, our AMT policies automatically cover you for on-board hospital, medical and surgical expenses while on your cruise.

For additional cruise-specific coverage, such as cabin confinement or baggage delays, consider our Cruise Travel Insurance.

Does Insure&Go Annual Multi-Trip Insurance cover medical expenses including COVID-19?

Yes, Insure&Go Annual Multi-Trip Travel Insurance covers overseas medical expenses, including COVID-19. This includes emergency medical, surgical, hospital, and ambulance costs incurred outside of Australia.

Exclusions:

Do not travel” warnings; government-directed border closure; or mandatory quarantine or self-isolation requirements related to cross-border, region or territory travel
Quarantine imposed by a government not resulting from a COVID-19 diagnosis
Expenses incurred after returning to Australia.

Can you get travel insurance for a whole year with Insure&Go?

Yes, you can get travel insurance for a whole year with an Annual Multi-Trip policy. This type of policy covers you for unlimited international trips over a 12-month period, making it a convenient option for frequent travellers. You could take a trip every month and be assured you’re covered under a single policy. The duration of each individual trip is limited to the option you select, with the flexibility to choose from 30, 45, or 60-day options.

Is domestic travel covered under an Annual Multi-Trip policy?

No, our Annual Multi-Trip policies cover international travel only. For domestic coverage, please purchase a Domestic Travel Insurance Policy.

Are emergency medical expenses included in Insure&Go’s Annual Multi-Trip policy?

Yes, our policies provide for unlimited necessary emergency medical costs incurred while outside of Australia. These can include ambulance, surgery, medications, and repatriations. For a full list of benefits and exclusions, please read our product disclosure statement.

Does Annual Multi-Trip Travel Insurance cover multiple international destinations?

Yes, our Annual Multi-Trip Travel Insurance covers multiple countries.

You should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.

How far in advance can you purchase an Annual Multi-Trip Travel Insurance policy?

You can purchase an Annual Multi-Trip Travel Insurance policy up to 270 days before your first trip begins. This allows you plenty of time to plan your travels with added peace of mind, knowing your coverage is ready to go.

Keep in mind that policies cannot be purchased after your travel has started.

Are winter sports, business travel, or natural disasters automatically included in Annual Multi-Trip Travel Insurance?

No, coverage for winter sports, business travel, and natural disasters requires additional add-ons.

These options are not included by default and must be added when you purchase your Annual Multi-Trip policy to ensure you’re protected for these specific activities or events.

Am I covered for travel within Australia with Multi-Trip Travel Insurance?

No, our Annual Multi-Trip Travel Insurance is not suitable if you wish to travel within Australia only.

For domestic travel, you will need to purchase a separate Domestic Travel Insurance Policy.