Choose Your Annual Multi-Trip Travel Insurance Policy
Insure&Go offers three levels of cover for Annual Multi-Trip Travel Insurance:
1
Bare Essentials
Includes core benefits such as unlimited overseas medical expenses and personal liability cover. Does not include cancellation, travel delay, or rental car excess cover.
2
Silver
For Travellers seeking a balance between cost and additional coverage.
3
Gold
Includes the highest level of cover available, with additional benefits and higher limits across areas such as cancellation, travel delay, baggage, and personal liability.
Each plan provides cover for multiple international trips over a 12-month period, with trip duration options of 30, 45, or 60 days per journey, depending on your age and selected destination region.
Benefits & Features Across All Plans
- Cover for numerous international trips during the 12-month policy period, giving you the freedom to travel frequently within your policy terms
- All pre-existing medical conditions can be considered for a medical assessment. Cover is subject to acceptance and may require an additional premium.
- Coverage for up to 90 sports and activities, such as hiking, diving, snorkelling, golfing, cycling, kayaking, and bungee jumping.
| Benefits |
Bare Essentials |
Silver |
Gold |
|---|
| Unlimited overseas medical expenses |
Y |
Y |
Y |
|---|
| Trip cancellation cover |
N |
Y (up to $15,000) |
Y (unlimited) |
|---|
| Travel delay expenses |
N |
Y (up to $1,000) |
Y (up to $2,000) |
|---|
| Baggage cover |
Y (up to $2,000) |
Y (up to $6,000) |
Y (up to $8,000) |
|---|
| Delayed baggage cover |
N |
Y (up to $500) |
Y (up to $750) |
|---|
| Rental car excess waiver |
N |
Y (up to $4,000) |
Y (up to $4,000) |
|---|
| Lost/stolen passport & travel document replacement |
N |
Y (up to $2,500) |
Y (up to $5,000) |
|---|
| Personal liability cover |
Y (up to $1.5 million) |
Y (up to $2.5 million) |
Y (up to $5 million) |
|---|
| Age eligibility |
18-79 years |
Up to 100 years |
Up to 100 years |
|---|
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).
Which Destination to Select
When purchasing an Annual Multi-Trip Travel Insurance policy, you’ll need to select a destination region that includes all the countries where you plan to spend more than 48 hours during the 12-month policy period.
You don’t need separate policies for each country. Instead, choose one of the following destination brackets:
| Region |
Countries Included |
|---|
| Asia |
Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam |
|---|
| South Pacific |
American Samoa, Cook Islands, Fiji Islands, French Polynesia (incl. Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea |
|---|
| Domestic Cruise |
Cruises within Australian territorial waters |
|---|
| Worldwide excluding |
All countries excluding USA, Canada, Caribbean, Mexico, Central & South America, and Antarctica |
|---|
| Worldwide including |
All countries including USA, Canada, Caribbean, Mexico, Central & South America, and Antarctica (cruise only) |
|---|
The current list of sanctioned and excluded countries:
Afghanistan, Antarctica (unless on a cruise), Belarus, Central African Republic, Chad, Congo (Democratic Republic of the), Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region, Cuba, East Timor, Guinea-Bissau, Haiti, Iran (Islamic Republic of), Iraq, Korea (Democratic People's Republic of), Lebanon, Liberia, Libya, Mali, Myanmar, Pakistan Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Uganda, Ukraine, Venezuela (Bolivarian Republic of), and Yemen. and Zimbabwe.
This list may change at any time based on government advisories or sanctions. Before you travel, always check:
- The latest advice on the Smartraveller website
- Our Travel Alerts & Warnings page
You do not need to notify us of each trip. Your policy covers multiple trips as long as each trip starts and ends in Australia, is within your selected region, and does not exceed the maximum trip duration (30, 45, or 60 days) shown on your policy schedule.
Discover Our Other Types of Cover
One Trip Travel Insurance
One Trip Travel Insurance provides cover for a single international trip for individuals, couples, or families.
- Overseas medical expenses, trip cancellation, baggage, personal liability, and more.
- Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Winter Sports, Business, or Golf cover.
- This policy does not cover cruises. For cruises, consider Cruise Travel Insurance or Annual Multi-Trip Travel Insurance..
- Note: AMT Travel Insurance provides cover for medical and evacuation expenses while cruising within Australian territorial waters, and cancellation of cruise trips. However, it does not include cruise-specific benefits (e.g. missed shore excursions or cabin confinement), which are only available under the Cruise Travel Insurance policy.
Domestic Travel Insurance
Domestic Travel Insurance provides cover for trips within Australia for individuals, couples, or families.
- Trip cancellation, baggage, rental car excess, and other benefits.
- Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Natural Disaster, Winter Sports, Business, or Golf cover.
- This policy does not cover travel on commercial cruise ships. For cruises, select Cruise Travel Insurance.
Cruise Travel Insurance
Cruise Travel Insurance provides cover for domestic and international cruises.
- Onboard medical treatment, evacuation, cabin confinement, missed ports, cruise delays, and standard travel benefits such as baggage and cancellation.
- Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Natural Disaster, Winter Sports, Business, or Golf cover.
- Medical treatment is covered when the ship is at sea (in Australian or international waters), not when it is tied up at an Australian port. Other benefits apply while docked for up to 48 hours.
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).
What Is Included in Our Annual Multi-Trip Travel Insurance Plans?
Our Annual Multi-Trip Travel Insurance policies offer cover for a range of events that may occur before or during your overseas trips. There are three levels of cover to choose from: Bare Essentials, Silver, and Gold. Each level offers different benefits and limits, so it’s important to review these carefully to select the option that suits your needs.
1
Overseas Medical Treatment and Dental Emergencies
All three levels include unlimited overseas medical expenses, including hospital and surgical treatment.
Emergency dental treatment for immediate pain relief is covered up to $500 per person. Silver and Gold policies also include a hospital cash allowance (up to $2,500 for Silver and $5,000 for Gold).
2
Trip Cancellation or Interruption
Both our Silver and Gold policies offer reimbursement for non-refundable expenses if a trip is cancelled or cut short due to covered reasons. In the case of Silver policies, the coverage amount is up to $15,000 per person, while Gold policies provide cover up to an unlimited amount.
3
Baggage and Personal Belongings
Cover for lost, stolen, or damaged personal belongings is included in all levels: Bare Essentials up to $2,000, Silver up to $6,000, and Gold up to $8,000. Coverage limits apply per person, with sub-limits apply for individual items, electronics, and valuables. Silver and Gold also include delayed baggage cover.
4
Travel Delays
Silver and Gold policies include cover for additional meal and accommodation expenses if any individual leg of your trip is delayed for more than 12 hours. Silver provides up to $1,000, and Gold up to $2,000.
5
Personal Liability
All levels include cover for legal liability if you accidentally cause injury to someone or damage their property: Bare Essentials up to $1.5 million, Silver up to $2.5 million, and Gold up to $5 million.
6
Rental Car Excess Waiver
Silver and Gold policies include cover for the rental car insurance excess if your hire car is stolen or damaged. Cover is up to $4,000 per policy. Conditions apply, including vehicle type and rental duration.
7
Rental Car Excess Waiver
Silver and Gold policies include limited COVID-19 benefits, such as:
Medical expenses overseas: Unlimited cover if you are diagnosed with COVID-19 while travelling.
Trip cancellation or disruption: Up to $2,500 (Silver) or $5,000 (Gold) if you, a travelling companion, or a close relative (with a life-threatening infection) is diagnosed after purchase.
Annual Multi-Trip Travel Insurance Exclusions and Limitations
While Insure&Go’s Annual Multi-Trip Travel Insurance offers broad benefits, there are important exclusions and conditions you should be aware of.
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).
- Trip Duration Limit: Coverage only applies to trips up to 30, 45, or 60 days per journey, depending on the option you selected. Longer trips are not covered.
- Domestic Travel Not Included: Annual Multi-Trip policies cover international travel only. Travel within Australia is excluded, so if you seek cover for travel within Australia, we offer Domestic Travel Insurance policies.
- Excluded Destinations: No cover for travel to countries under Australian Government “Do Not Travel” advisories or sanctioned regions (e.g., Afghanistan, North Korea, Russia).
- Pre-Existing Medical Conditions: These are not automatically covered. You must declare them during the quote process. Some conditions may require an additional premium or may not be covered.
- High-Risk Activities: Cover is only available for activities listed in the Table of Covered Sports & Activities in the PDS and only if you follow all safety guidelines and use appropriate safety equipment. Activities not listed are excluded unless they meet the criteria outlined in the PDS.
- Winter sports (such as skiing, snowboarding, heli-skiing, snowmobiling) are not covered unless you purchase the Winter Sports Cover upgrade, and it is shown on your policy schedule. Without this upgrade, any claim directly or indirectly related to winter sports will not be covered.
- Travel Against Medical Advice: We do not provide cover if you travel against medical advice or for the purpose of seeking treatment.
- Illegal or Reckless Behaviour: Claims arising from criminal acts, drug/alcohol misuse, or reckless actions are not covered under our policies.
- Unattended Belongings: Loss, theft, or damage to property left unattended in a public place or with someone you do not know is not covered, unless this was due to an unavoidable emergency (e.g., a medical emergency requiring you to leave immediately).
Who Should Consider Annual Multi-Trip Insurance?
Insure&Go’s Annual Multi-Trip Travel Insurance is designed for people who take multiple overseas trips within a 12-month period and want the convenience of one policy for the year.
It may be suitable for:
- Frequent Flyers: Whether it’s for business, visiting family, or simply exploring the world, if you're travelling two or more times a year, an Annual Multi-Trip policy may save you money and time compared to purchasing separate single-trip policies.
- Business Travellers: Professionals who regularly travel overseas to attend conferences, meetings, or international events can benefit from continuous coverage across multiple destinations.
- Spontaneous Travellers: Those who enjoy short overseas breaks or last-minute trips throughout the year.
- Families Visiting Relatives Abroad: Parents or grandparents who make multiple trips to visit family members overseas.
- Digital Nomads: This policy can cover remote workers who take multiple overseas trips each year, provided they return to Australia between trips and each trip is 30, 45, or 60 days or less, based on the option selected.
- It does not cover continuous stays overseas beyond the chosen trip limit. You must also purchase the policy while in Australia and before your first trip begins.
- Seasonal Travellers: Retirees or older travellers who enjoy spending part of the year overseas but may also plan multiple return trips throughout the year.
How to Purchase Our Annual Multi-Trip Policy
Getting extensive, comprehensive travel insurance for a full year of travel has never been easier. Policies must be purchased while you are still in Australia and before your first trip begins.
Securing your Annual Multi-Trip Travel Insurance can be done in just a few simple steps:
1
Get a Fast, Free Online Quote
Visit Insure&Go’s website, and select Annual Multi-Trip as your trip type. Enter your travel destinations, start and end dates, and traveller details (including ages) to receive a quick quote.
It’s that simple and takes just minutes to get a quote, with no lengthy or confusing forms to fill out or waiting required.
2
Compare Plans and Coverage Levels
Review the three levels of cover, Bare Essentials, Silver, and Gold, and choose the option and trip duration (30, 45, or 60 days per trip) that best suits your travel plans.
3
Excess & Optional Upgrades
You can customise your Annual Multi-Trip Travel Insurance with:
Excess Options: Choose an excess of $0, $100, or $200. The excess applies per person, per claim, per section, unless you select the Excess Eliminator upgrade (which removes all excesses except for increased medical excesses listed in the Table of covered sports & activities on pages).
Optional Upgrades:
Winter Sports Cover: Required for activities like skiing, snowboarding, heli-skiing, and snowmobiling. - Business Cover – Adds protection for business equipment and related expenses.
Natural Disaster Cover: Extends cover for cancellations, delays, and additional expenses caused by natural disasters.
4
Purchase Your Travel Insurance Safely and With Ease
Finalise your policy with safe, encrypted payment through the Insure&Go website. Once confirmed, your documents are sent directly to your inbox immediately and are ready to travel when you are.
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