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InsureandGo Australia

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Unlimited International Trips

InsureandGo Australia’s Annual Multi-Trip Travel Insurance is designed to provide cover for frequent international travellers who want the added convenience of one policy that covers multiple trips over 12 months.

Whether you're travelling for leisure, business, or a mix of both, this policy lets you choose a maximum trip length of 30, 45, or 60 days per journey, depending on your age and the region you select. It may include cover for overseas medical expenses, trip cancellations, lost or delayed baggage, and more, based on the level of cover you choose.

Note: This page contains general advice only and does not take into account your objectives, financial situation or needs.

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

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Unlimited Number of International Trips
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Unlimited Overseas Medical Expenses
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Unlimited Cancellation Cover
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Baggage covered up to $8,000 on Gold Policies
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Award-winning Travel Insurance Company
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All Pre-existing Medical Conditions considered online

Choose Your Annual Multi-Trip Travel Insurance Policy

InsureandGo Australia offers three levels of cover for Annual Multi-Trip Travel Insurance:

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.

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Silver

For Travellers seeking a balance between cost and additional coverage.

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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.

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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

Benefits & Features

  • 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 150+ sports and activities, such as hiking, diving, snorkelling, golfing, cycling, kayaking, and bungee jumping.
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Benefits

 Bare EssentialsSilverGold
Unlimited overseas medical expenses✓✓✓
Trip cancellation cover✕Up to $15,000Unlimited
Travel delay expenses✕Up to $1,000Up to $2,000
Baggage coverUp to $2,000Up to $6,000Up to $8,000
Delayed baggage cover✕Up to $500Up to $750
Rental car excess waiver✕Up to $4,000Up to $4,000
Lost/stolen passport & travel document replacement✕Up to $2,500Up to $5,000
Personal liability coverUp to $1.5 millionUp to $2.5 millionUp to $5 million
Age eligibility18-79 yearsUp to 100 yearsUp to 100 years

Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

Why Choose Us for Your Annual Holiday Insurance?

InsureandGo Australia offers flexible, award-winning insurance cover, designed to suit different travel plans and stages of life.

Competitive Pricing, Comprehensive Coverage

Benefit from competitively priced premiums without compromising on essential cover like unlimited overseas medical expenses, which is offered on all levels of cover.

One Policy, Multiple Trips

Enjoy the freedom to travel multiple times within 12 months, with each trip lasting up to your selected maximum of 30, 45, or 60 days, provided each journey begins and ends in Australia.

24/7 Global Emergency Assistance

Help is just a call away, anytime and anywhere in the world, with access to global emergency support 24/7.

Fast, Simple Online Quote and Purchase

Get a tailored quote in minutes and purchase your policy online with ease, prior to your departure from Australia. Cover is not available for trips already underway or for policies purchased while overseas.

Flexible Cover Options

Choose from three levels of cover, Bare Essentials, Silver, or Gold, to suit your travel needs, budget and insurance preferences.

Pre-Existing Medical Conditions Considered

All pre-existing medical conditions are considered during the quote process. If your condition is accepted by us, cover will be provided once the applicable premium is paid. You can complete this process online; no lengthy forms or phone calls required.

Coverage for 150+ Sports and Activities

Enjoy automatic cover for a wide range of activities like hiking, kayaking, snorkelling, and more, provided safety guidelines are followed and the activity is not excluded.

Optional Add-ons

Tailor your policy further with optional extras such as Winter Sports Cover, Business Cover, or Natural Disaster Cover.

So, What Are You Covered For?

InsureandGo Australia's Annual Multi-Trip Travel Insurance is designed for travellers who take multiple trips per year. It may be suitable for frequent flyers, holidaymakers, and business travellers who want cover for a range of incidents that can occur before or during overseas travel.

InsureandGo Australia's Annual Multi-trip

  • One-Time Purchase Equals Year-Round Coverage
  • Choice of Trip Durations Depending on Your Age and the Region You Are Travelling to
  • May Provide Extensive Cover For Multiple Trips Within The Year
  • Convenience & Simplicity
  • May Be Suitable For Last-Minute and Spontaneous Travel

Benefits of Choosing Our Annual Multi-Trip Travel Insurance

Cost Savings

If you travel multiple times a year, Annual Multi-Trip Travel Insurance may be more economical than purchasing separate single-trip policies.

One Policy, 12 Months of Cover

Convenience & Simplicity of one upfront purchase, you're covered for unlimited international trips over 12 months. No need to buy a new policy each time you travel.

Choice of Trip Durations

We offer several different trip lengths so that you can select a trip length that suits your travel style, whether it be 30, 45, or 60 days per trip.

Comprehensive Coverage for Multiple Trips

Includes cover for unlimited overseas medical expenses, trip cancellations and delays, lost or stolen baggage, emergency evacuation and repatriation, depending on the plan you have selected. You can also tailor your policy with optional upgrades like Winter Sports Cover, Business Cover, or Natural Disaster Cover.

Ideal for Last-Minute and Spontaneous Travel

With your Annual Multi-Trip Travel Insurance already in place, you can book and go, provided your trip fits within your selected duration and destination limits. This can offer added convenience for those who often make last-minute or spontaneous plans.

Consistent Cover Across the Year

Your chosen level of cover applies to every trip during the policy period, so there’s no need to reassess or reselect cover each time

Please note: These benefits are a summary. Please see our Product Disclosure Statement (PDS) for details of benefits, limits and exclusions.

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Which destination to select for your trip

When purchasing an Annual Multi-Trip Travel Insurance policy, you should select the region where you will spend the majority of your trip, except where you will spend more than 48 hours in the continents of North or South America.

If you will spend more than 48 hours of your trip in the continents of North or South America, then you should select the Worldwide including USA, Canada, Mexico, Central & South America, Nepal and Antarctica (Cruises only) region.

You don’t need separate policies for each country. Instead, choose one of the following regions:

Select a region to see its countries (annual multi-trip)

South Pacific

American Samoa; Cook Islands; Fiji; French Polynesia; Guam; Kiribati; Marshall Islands; Micronesia, Federated States of; Nauru; New Caledonia; New Zealand; Niue; Northern Mariana Islands; Palau; Papua New Guinea; Pitcairn; Samoa; Solomon Islands; Tokelau; Tonga; Tuvalu; Vanuatu; Wallis and Futuna

Asia (excluding Nepal) 

Bangladesh; Bhutan; Brunei Darussalam; Cambodia; China; Hong Kong; India; Indonesia; Japan; Korea, Democratic People's Republic of; Korea, Republic of; Lao People's Democratic Republic; Macao; Malaysia; Maldives; Mongolia; Myanmar; Philippines; Singapore; Sri Lanka; Taiwan, Province of China; Thailand; Timor-Leste; Vietnam

Worldwide excluding USA, Canada, Mexico, Central & South America, Nepal and Antarctica 

Afghanistan; Åland Islands; Albania; Algeria; Andorra; Angola; Armenia; Austria; Azerbaijan; Bahrain; Belarus; Belgium; Benin; Bosnia and Herzegovina; Botswana; Bouvet Island; British Indian Ocean Territory; Bulgaria; Burkina Faso; Burundi; Cabo Verde; Cameroon; Canary Islands; Central African Republic; Chad; Comoros; Congo; Congo, Democratic Republic of the; Côte d'Ivoire; Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region; Croatia; Curaçao; Cyprus; Czechia; Djibouti; Egypt; Equatorial Guinea; Eritrea; Estonia; Eswatini; Ethiopia; Faroe Islands; Finland; France; Gabon; Gambia; Georgia; Germany; Ghana; Gibraltar; Greece; Guernsey; Guinea; Guinea-Bissau; Holy See; Hungary; Iceland; Iran, Islamic Republic of; Iraq; Ireland; Isle of Man; Israel; Italy; Jersey; Jordan; Kazakhstan; Kenya; Kosovo; Kuwait; Kyrgyzstan; Latvia; Lebanon; Lesotho; Liberia; Libya; Liechtenstein; Lithuania; Luxembourg; Madagascar; Malawi; Mali; Malta; Mauritania; Mauritius; Mayotte; Moldova, Republic of; Monaco; Montenegro; Morocco; Mozambique; Namibia; Netherlands, Kingdom of the; Niger; Nigeria; North Macedonia; Norway; Oman; Pakistan; Palestine, State of; Poland; Portugal; Qatar; Réunion; Romania; Russian Federation; Rwanda; San Marino; Sao Tome and Principe; Saudi Arabia; Senegal; Serbia; Seychelles; Sierra Leone; Slovakia; Slovenia; Somalia; South Africa; South Sudan; Spain; Sudan; Svalbard and Jan Mayen; Sweden; Switzerland; Syrian Arab Republic; Tajikistan; Tanzania, United Republic of; Togo; Tunisia; Türkiye; Turkmenistan; Uganda; Ukraine; United Arab Emirates; United Kingdom of Great Britain and Northern Ireland; Uzbekistan; Western Sahara; Yemen; Zambia; Zimbabwe

Worldwide including USA, Canada, Mexico, Central & South America, Nepal and Antarctica (Cruises only) 

Antigua and Barbuda; Anguilla; Antarctica (cruise only); Argentina; Aruba; Bahamas; Barbados; Belize; Bermuda; Bolivia, Plurinational State of; Bonaire, Sint Eustatius and Saba; Brazil; Canada; Cayman Islands; Chile; Colombia; Costa Rica; Cuba; Dominica; Dominican Republic; Ecuador; El Salvador; Falkland Islands (Malvinas); French Guiana; French Southern Territories; Greenland; Grenada; Guadeloupe; Guatemala; Guyana; Haiti; Honduras; Jamaica; Martinique; Mexico; Montserrat; Nepal; Nicaragua; Panama; Paraguay; Peru; Puerto Rico; Saint Barthélemy; Saint Helena, Ascension and Tristan da Cunha; Saint Kitts and Nevis; Saint Lucia; Saint Martin (French part); Saint Pierre and Miquelon; Saint Vincent and the Grenadines; Sint Maarten (Dutch part); South Georgia and the South Sandwich Islands; Suriname; Trinidad and Tobago; Turks and Caicos Islands; United States Minor Outlying Islands; United States of America; Uruguay; Venezuela, Bolivarian Republic of; Virgin Islands (British); Virgin Islands (U.S.)

Countries in red are not covered by this insurance. Due to safety, security concerns, international sanctions, or limited emergency servicing, we are unable to provide coverage for travel to these countries.

Current as of 07 October 2026. This information is a general guide only. It may change and should not be relied on as complete or up to date. If you have any questions regarding which region to select or whether we can offer cover for your destination, please contact our customer service team.

This policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through destinations that are subject to "Do Not Travel" advice from the Australian Government, as well as events occurring in any international conflicts or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 12 for more detail).

Before you travel, always check:

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

Single-Trip Travel Insurance +−

Single-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.

Learn More

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.

Learn More

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.

Learn More

Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant 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.

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).

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.

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.

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.

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.

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.

Covid-19 Cover

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 InsureandGo Australia’s Annual Multi-Trip Travel Insurance offers broad benefits, there are important exclusions and conditions you should be aware of.

Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

Not covered

  • 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?

InsureandGo Australia’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 InsureandGo Australia’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 InsureandGo Australia website. Once confirmed, your documents are sent directly to your inbox immediately and are ready to travel when you are.

Ready to Get Covered for a Full Year of Travel?

Your full year of travel insurance coverage is just a few clicks away.

Get a travel insurance quote!

Annual Multi-Trip Insurance FAQs

What is the maximum duration allowed for each trip under the annual policy?

When you purchase an Annual Multi-Trip Travel Insurance policy with InsureandGo Australia, you can choose a maximum trip length of 30, 45, or 60 days per journey, depending on your age and selected plan. This does not affect your benefit limits.

Does our Annual Multi-Trip policy cover both Domestic and International travel?

No. Annual Multi-Trip Travel Insurance is for international travel only. For domestic trips, a separate Domestic Travel Insurance policy is required.

Are family members included in the Annual Multi-Trip policy?

Yes. If you choose Family under the policy type when purchasing your Annual Multi-Trip Travel Insurance, the policy will cover two adults in a partner relationship and their accompanying dependent children.

Dependent children include financially dependent children or grandchildren (including fostered or adopted) who are under 18 years of age and are named on the policy schedule. Each insured adult can travel independently, and all travellers must be Australian residents.

Please note: children born during the journey are not covered under this policy.

Everyone covered under the policy can travel together or separately throughout the year, as long as each trip falls within the selected trip duration and destination limits.

Can I extend the duration of a single trip if needed?

Under an InsureandGo Australia Annual Multi-Trip Travel Insurance policy, each individual trip is covered up to the maximum duration selected at the time of purchase, either 30, 45, or 60 days. This limit applies to each trip taken during the policy period.

If something unforeseen and out of your control happens during your trip, like a medical emergency or travel disruption, your cover can be extended until you’re able to return home by the quickest and most direct route.

You must contact our emergency assistance team as soon as possible to notify them of the situation and get approval:

  • Emergency Assistance (24/7): +61 2 9333 3999
  • General Enquiries (Mon-Fri, 9am–5pm AEST): +61 2 7201 9532
  • Email: info@insureandgo.com.au
How do I make a claim if something goes wrong during my trip?

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports, medical certificates). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

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

You can purchase your policy up to 12 months before your first trip begins.  

Please note that you must purchase your Annual Multi-Trip policy whilst you are still in Australia and before your first trip has begun.

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§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

1Trip duration options of 30, 45, or 60 days are available, depending on your age and selected region. Extensions are permitted once per trip and may require an additional premium.