Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
An annual travel insurance policy is for travellers who leave home multiple times a year on shorter trips. This differs from a year-long single trip policy, which provides continuous cover for you to be away from home for one twelve-month long trip.
Annual travel insurance policies have different maximum trip duration limits - that is, the maximum number of days you can spend overseas before you have to come home again. For example, if you purchase a 30-day annual travel insurance policy, you can go on a ten-day trip to Bali for a friend's wedding in April, go on a seven-day Pacific cruise in July, go trekking for three weeks in New Zealand and have a month-long break over Christmas in the USA, and they can all be covered under the one policy.
Check out our guide on annual travel insurance and the limits that apply.
If you don’t know where you’re travelling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the appropriate region for your trip. Stopovers of less than 48 hours generally do not need to be included (excluding USA and Canada).
Worldwide means anywhere in the world
Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean
Europe means all European countries, including UK
Middle East refers to the area from Syria to Yemen; Egypt to Iran
Asia generally means Asia and the Indian subcontinent. For some insurers, this excludes Japan*
Pacific means the South-West Pacific, New Zealand and Indonesia/Bali*. Select Pacific for domestic cruises in Australian waters
Australia means domestic travel within Australia only
*Some variances apply for Bali, Indonesia, Japan and the Middle East. Check that your destination is covered once directed to your chosen insurer’s site.
Depending on your circumstances, such as your age, and your trip durations and destinations, it can sometimes be cheaper to buy two or three single trip policies than an annual policy, so there are savings to be made by shopping around and comparing your options.
Are you a frequent traveller considering an annual travel insurance policy? Check out our top tips for regular jetsetters:
This may seem like a silly question, but believe it or not, it confuses a lot of travellers! A multi-trip policy, also known as a frequent traveller policy covers you for an unlimited number of short trips throughout the year. Not to be confused with a single-trip policy which is one trip that lasts anywhere from 2 days to 12 months in duration.
No, annual multi-trip policies tend to have age limits of around 65 years. Check out our annual travel insurance guide to learn more. Use our quote box above to compare frequent traveller policies to see what cover is available for your age.
As many as you like! That's the beauty of this product. There are no restrictions on the number of holidays you can take in a year, and you don't even need to tell your insurer each time you take a trip.
Yes, that's the catch! When purchasing an annual policy, you must allocate a maximum trip duration which means you cannot go on holiday for more days than specified. See our guide for annual policy trip limits.
Most insurers cover you whether you're travelling for business or pleasure but the benefits may vary. There’s no “one-size-fits-all” travel insurance for business travellers so it would pay to contact your insurer directly if you had something specific in mind. Some insurers offer annual business or corporate travel insurance and business equipment may not be covered under personal policies if you're not personally out of pocket.
What pre-existing illnesses does frequent travel insurance cover?
Most insurers have a list of pre-existing medical conditions that are automatically covered for free like asthma, cataracts, some types of diabetes, hypertension which do not require an assessment or declaration form to be submitted. If you have a pre-existing medical condition not listed, you may be able to get cover for an additional fee. If you develop an illness lets say six months into your annual policy, you must tell your insurer as that condition would be considered pre-existing the next time you decide to take a trip. See more about pre-existing conditions and medical assessments here.
If you're travelling with one travel insurance policy for a whole year, you're going to want peace of mind that you've got the right one for you and your needs. So if you've read the PDS and still can't decide, consider checking out the thousands of reviews left by Aussie travellers about their experience with their travel insurer. Were they helpful on the phone? Was their website easy to use? And most importantly, how did they go when customers needed to claim?
If you're a frequent traveller, $1000 cash might come in handy, so if you've had a positive or negative experience with your travel insurer, let us know and you'll go in the draw to win! Terms and conditions apply.