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).
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.
