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.
If you have a serious case of wanderlust then an annual travel insurance policy might be right for you. Designed for frequent travellers, an annual policy (also known as a 'multi-trip' or 'frequent traveller' policy) can offer an affordable way to keep your trips covered all year round.
Frequent trotting travellers can save time and money, and jet-set worry-free!
Don’t get confused, unlike a single trip policy that covers you for one trip (that can last 12 months in duration), an annual policy covers you for lots of little trips over the course of a year.
It’s important to know that each “little trip” you take will have limits. These maximum trip lengths vary between insurers and policies, so be sure to check these suit your planned holidays before you sign on the dotted line. To help you out we’ve done the hard slog for you…
|Insurer||Underwriter||Single Trip Age Limit||Multi-trip Age Limit||Max trip duration (multi-trip policy)||Buy Now|
|1Cover||Certain underwriters at Lloyd's||All ages*||64 and under||90 days|
|Amex||Chubb Insurance Australia Limited||89 and under||69 and under||45 days|
|Boomers||Allianz Australia Insurance Limited||All ages*||74 and under||45 days|
|Budget Direct||Auto and General Insurance Company Limited||100 and under||75 and under||30 days|
|Columbus Direct||Certain underwriters at Lloyd's||84 and under||69 and under||60 days|
|Cover-More||Zurich Australian Insurance Limited||74 and under||74 and under||60 days|
|Downunder||Certain underwriters at Lloyd's||All ages*||59 and under||45 days|
|Fast Cover||Hollard Insurance Company Pty Ltd||All ages*||59 and under||63 days|
|Go insurance||Certain underwriters at Lloyd's||75 and under||75 and under||60 days|
|Insure4Less||Go Insurance||70 and under||70 and under||93 days|
|InsureandGo||Mitsui Sumitomo Insurance Company Limited||100 and under||100 and under||60 days|
|Medibank Private||Zurich Australian Insurance Limited||84 and under||74 and under||60 days|
|Multitrip||Mitsui Sumitomo Insurance Company Limited||79 and under||79 and under||60 days|
|No Worries Insurance||Chubb Insurance Australia Limited||84 and under||74 and under||60 days|
|Online Travel Insurance||Allianz Australia Insurance Limited||74 and under||74 and under||45 days|
|Priceline||Chubb Insurance Australia Limited||74 and under||69 and under||45 days|
|Simply Travel Insurance||Certain underwriters at Lloyd's||74 and under||69 and under||45 days|
|Sure Save||XL Insurance Company SE||All ages*||76 and under||50 days|
|Travel Insurance Direct||Lloyd’s of London||80 and under||75 and under||90 days|
|Travel Insurance Saver||QBE Insurance (Australia) Limited||All ages*||69 and under||60 days|
|Travel Insuranz||Lloyd’s of London||70 and under||70 and under||93 days|
|Virgin Money||Allianz Australia Insurance Limited||74 and under||74 and under||45 days|
|Webjet||Allianz Australia Insurance Limited||75 and under||74 and under||45 days|
|Woolworths||The Hollard Insurance Company Pty Ltd||79 and under||75 and under||30 days|
|Worldcare||Allianz Australia Insurance Limited||85 and under||71 and under||37 days (leisure)|
|Zoom Travel Insurance||Certain underwriters at Lloyd's||85 and under*||69 and under||45 days|
*Conditions apply. Check the PDS to confirm that the policy is right for you and your circumstances.
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
Taking your travel behaviour and plans into account, like where you’re going and what you’ll be doing over the next year, you can save a lot of time and money by choosing a multi-trip policy.
If you’re a frequent flyer and travel more than twice a year, overseas or within Australia, a year-round cover can be significantly cheaper than purchasing a single trip policy each time you travel. You can expect to save at least $200* on your travel insurance!
Lucky for you our comparison allows you to compare over 20 top insurers in just a few simple steps. Say whaaat!
So you’re 30 (ish) years old and looking for a worldwide policy?
If you’re looking for a policy to cover 30 day trips here are some of the best:
If a 60 day trip policy is more suitable we recommend:
Or if an 90 day trip is the ticket for you check out:
*Prices available on comparetravelinsurance.com.au at time of writing May 2015.
If you’re a sexy 70 (or over) it can be harder to find a multi-trip insurance policy. But don’t despair, if you can't find a multi-trip policy that works, you can also consider getting a few single trip policies instead, as they often have later age cut offs. Check out our Seniors Guide to help find the cover you’re looking for.
So you’re a domestic explorer? Well there are policies just for you! If you travel within Australia a few times a year, a domestic frequent traveller policy may be perfect for you. While they vary in price and benefits (you can spend anywhere from $90 to $500 on a policy), it can be perfect for the frequent interstate business traveller or person who has family spread across several states. The big benefit for many travellers is the year-long rental vehicle excess benefits.
So you’re not sure if your travel habits put you in the globetrotting category? Well if you travel for work or fun a few times a year, go on more than two holidays a year, or take lots of little trips around Oz it’s probably the choice for you!
Trying to figure out whether to purchase a policy is self-explanatory. See for yourself! Compare the prices of 3 single trips, or 1 annual policy to see the savings! For one price, you can get standard or comprehensive travel insurance cover for a whole year!
Although, it's not quite so black and white! Aside from the cost, you should consider:
Some policies allow you to travel anywhere in the world (when you pick worldwide cover). While others, for regions like Europe or Asia, want you to be more specific. Think about the trips you’ll be taking over the next 12 months and which region best suits. Money can be saved by picking a cheaper region.
These policies will give you all the benefits of comprehensive insurance but for a full year. A good policy will usually provide cover for the following scenarios:
...and much more!
Like all insurances, there are some things insurers simply won't cover. Travel insurance covers the unexpected, not events that are likely to happen, or have happened as a result of negligence, or the insured acting irresponsibly.
The following are some examples of common sense exclusions that may apply:
The biggest benefit of taking out annual travel insurance before you travel is that you can relax knowing you're covered for cancellations, medical costs, lost luggage, theft, and everything else outlined in the policy for the whole year ahead!
The devil is in the detail, so remember to check your inclusions and exclusions. Reading the Policy Documentation means you wont get any nasty surprises.
If you’re an avid adventurer, always on the go to someplace exotic, or a regular business traveller, it’s worth comparing annual travel insurance policies – and with us it’s easy!
Compare quotes effortlessly and find the best policy for your travel habits. Comparing online with us will give you the same competitive price as buying direct – but without the legwork of shopping around.
Save time, worry and loads of money! Comparing annual travel insurance online will leave you plenty of time for globetrotting fun!
Carolina has been working exclusively in the travel insurance industry for over two years. With a customer consultancy background and currently studying law, she is a fine-print wizard who loves helping travellers find a policy that actually works for them. Speaking two languages and having travelled all over the world, Carolina discovered that she is not cut out for working holidays after a stint on her grandparents’ southern Vietnam farm, and is definitely a lounge-by-the-pool kind of lady.