If you’re a frequent traveller, a Medibank Annual Multi-Trip Travel Insurance could save you time and money. Customise your policy to where you’re travelling along with selecting your maximum trip length to secure 12 months of travel cover.¹
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What is Multi-Trip Travel Insurance?
Annual Multi-Trip Travel Insurance gives you the option to travel multiple times a year under the same policy.
With Medibank Annual Multi-Trip Travel Insurance, you can have comprehensive cover for your trips, year-round. Select the cover that will encompass all your trips for the 12-month period, and a duration limit to get a quote for your policy. It’s important to remember that your cover will be limited to the area2you select within the quote tool as well as the maximum trip duration selected.1
What does Medibank Multi-Trip Travel Insurance offer?
Depending on your policy, it can provide cover for any number of trips for the entire year, international and domestic within your maximum trip duration limit.
| Inclusion | Domestic | International Comprehensive |
|---|---|---|
| Overseas Medical & Hospital Expenses | X | $Unlimited3 |
| COVID-19 Benefits | ✔ Asapplicable4 | ✔ Asapplicable4 |
| Additional Expenses | $10,0005 | $Unlimited5 |
| Cancellation & Amendments | $Unlimited6 | $Unlimited6 |
| Luggage and Personal Effects | $8,0007 | $15,0007 |
| Rental Car Insurance Excess | $5,000 | $6,000 |
| Travel Delay Expenses | $2,000 | $2,000 |
| Hospital Cash Allowance | X | $5,000 |
| Loss of Income | $2,0008 | $10,0008 |
| Permanent Disability | $10,0008 | $25,0008 |
| Accidental Death | $10,0008 | $25,0008 |
| Personal Liability | $5,000,000 | $5,000,000 |
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How to build your Annual Multi-Trip Insurance quote
Step 1: Select your area of travel.
Where you travel will influence your premium. Countries are grouped into ‘areas’, based on the cost associated with claims there. You'll need to select your travel region or country taking into consideration the 20% rule detailedbelow.
Step 2: Click on the Annual Multi-Trip option and select your excess.
At the top of the plan option page, there will be an option to navigate to the Annual Multi-Trip cover, click on this and select your Annual Multi-Trip.
If you're purchasing a domestic policy, your excess amount is automatically set to be $50. If you're purchasing an international Annual Multi-Trip (AMT) Policy then you'll need to select from $0, $100, $250 excess options.
Step 3: Choose your maximum trip duration.
You will have insurance for an unlimited number of trips up to the trip duration you select during the quote flow. For example, if you choose a maximum trip duration of 30 days, this means you can take as many trips as you want (within your area of insurance), provided each trip is no longer than 30 days.
For a domestic AMT you can select a 15, 30 or 45 day maximum trip duration.
For international AMT you can select a 30, 45 or 60 day maximum trip duration.
Step 4: Select any additional cover you may require.
For an additional premium, you can choose to add cover for additional scenarios like snow sports, moped riding and multi-night cruises on the sea or ocean. If you're travelling with valuables, you can also opt to increase your luggage and personal effects. Details can be foundbelow, or within our PDS.
Step 5: Enter the traveller information.
Fill in the traveller information. This is what will appear on your certificate of insurance.
Please note: If you/a traveller has an Existing Medical Condition which is not automatically included within the policy, you/they can complete an online assessmentform to tell us of your/their condition. If your/their condition is approved by us, then you can decide to buy the cover for your existing medical condition. An additional premium may apply.
Step 6: Pay for your cover.
Select your preferred payment method. Once you've paid, you will be sent your Certificate of Insurance. Your 12-months of travel cover will start from the date you selected as your departure date on the quote tool, not the date you purchased your cover.
How to choose your area of travel?
It's important to choose the right destination for your trip when quoting. What you select as your travel destination will not only impact your premium, but also what other countries you'll have cover for under your Annual Multi-Trip.
Destinations are included for areas that are below the one selected, for instance, domestic travel is covered if a country/region in Area 3 is selected, while travel within Europe and Asia are included if a country/region within Area 1 is selected. Note: The 20% rule applies for the Americas/Africa as detailedabove.
Area 1 - Anywhere in the world
Area 1 is worldwide cover, this includes the following destinations:
✔ North America (e.g. USA, Canada, Mexico)
✔ Africa (e.g. Morocco, South Africa, Egypt)
✔ South America (e.g. Brazil, Argentina)
✔ Destinations not listed (where sanctions don't apply)
Area 2 - Worldwide, excluding Americas/Africa
Area 2 is worldwide cover excluding the Americas and Africa.
✔ UK
✔ Europe
✔ Asia
✔ The Middle East
✔ The Pacific
✘ North America
✘ South America
✘ Africa
Area 3 - New Zealand or Domestic Cruising
International cover for New Zealand or a domestic sea or ocean cruise.
✔ New Zealand
✔ Domestic cruises9
✘ North America
✘ South America
✘ Africa
✘ Asia
✘ The Middle East
✘ The Pacific
✘ Europe
Area 4 - Domestic Coverage
Domestic cover for Australia, this includes:
✔ Australia
✔ Norfolk Island
✔ Antarctica sightseeing flights
It excludes cover for:
✘ The rest of the world
Why choose Medibank?
Over 1,000,000 customers and counting
Medibank Travel Insurance has helped protect over 1 million travel adventures.
Emergency assistance whilst travelling
We're here to help if the unexpected happens with 24/7 emergency assistance.
Learn more about our 24/7 emergency assistance
$Unlimited cancellation cost
$Unlimited cancellation cover if you have to cancel due to unforeseen circ*mstances.6
Learn more about cancellation costs
15% discount for Medibank or ahm members
If you're a Medibank or ahm health member you can save 15% on travel insurance.
Multi-award winning travel insurance
We're proud to be winners of Mozo's Experts Choice awards in 2022 & 2023 and Canstar's 2023 Most Satisfied Customer - Travel Insurance award.
Did you know that if you're a Medibank or ahm health member, you can save 15% on any Medibank Travel Insurance policy?
Enjoy the activities you love
We know that not all travellers enjoy the same activities while travelling so we have a comprehensive list of activities which Medibank may provide cover for while you are on your journey. Our Plans automatically include:
- Abseiling
- Archery
- Ballooning
- Horse riding
- Jet skiing
- Kayaking
- Parasailing
- Snorkelling
- Surfing
Terms, conditions and exclusions apply. See theCombined FSG /PDSfor more information on included activities and for full list of activities.
Insurance for snow sports
Cover for skiing, snowboarding or snowmobiling is not automatically included in your policy. If you wish to have cover for these snow activities during your trip, then you’ll need to purchase cover for snow sports.
Conditions and exclusions apply to snow sports cover (e.g. you must not be participating in the activity in a professional capacity). See thePDSfor full details.
Learn more
Cruise insurance
If your trip includes travel on a multi-night sea or ocean cruise, then you'll need to add Cruise Cover to be insured for claims relating to a cancelled cruise, cruise travel, or certain claims that arise whilst on a cruise.10
By adding Cruise Cover to your policy, you will also receive a range of additional cruise benefits such as cover for cabin confinement and sea sickness. A summary of additional cruise benefits including any COVID-19 related exclusions can be found in thePDS.
Learn more
Motorbike and moped cover
If you're planning to use a motorcycle or a moped during your travels, then you'll need to select moped/motorcycle cover option to be able to claim for incidents related to driving or riding on a motorcycle/moped.
Conditions and exclusions apply for motorcycle/moped cover (e.g. you must wear a helmet, the engine capacity must be 250cc or less). See thePDSfor full details.
Learn more
Extra luggage insurance for high value items
If you're travelling with an item that is worth more than the limit shown in the PDS, then you can increase the item limit cover (on a per item basis) by specifying the item and paying an additional premium for the increased cover. Some examples of valuable items might include camera equipment, jewellery, watches and phones.
Refer to the PDSfor full details of luggage cover, limits and exclusions.
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Frequently asked questions (FAQs)
Why consider Multi-Trip Travel Insurance?
Multi-Trip Travel Insurance can be a convenient and cost-effective option if you're planning to travel multiple times within a 12-month period.
- It can save you time and help take away the stress of having to purchase a new travel insurance policy each time you travel.
- It might also be more affordable than purchasing multiple Single Trip insurance policies throughout the year.
You'll be able to take an unlimited number of trips provided you're travelling within your selected area of insurance2and each trip is not longer than the maximum trip duration1you've selected. So, whilst an Annual Multi-Trip policy provides 12 months of cover, it's important to understand that this does not mean you can holiday for 12 months straight. If you are looking to holiday for 365 continuous days, then a Medibank Single Trip Travel Insurance policy could be right for you.
What is the difference between Medical Only, Comprehensive and Multi-Trip Travel Insurance?
Multi-Trip Insurance:Annual Multi-Trip policies (AMT) are designed to provide comprehensive travel insurance for multiple trips taken within a 12 month period (noting that each individual trip taken must not exceed the maximum trip duration1as shown on the Certificate of Insurance). Medibank Travel Insurance offers an AMT option on the International Comprehensive Plan and on the Domestic Plan.
Single Trip Insurance:A single trip insurance policy will mean that you will have cover for a single trip taken within the dates listed on the Certificate of Insurance. Medibank Travel Insurance offers single trip insurance on the International Medical Only Plan, the International Comprehensive Plan and the Domestic Plan.
What's the difference between our travel insurance plans?
- Medical Only:An International Medical Only Plan provides cover for overseas medical and hospital expenses3that occur whilst travelling. It will not provide cover for things like trip cancellation or lost luggage. Medical only cover is not available on domestic travel and can only be purchased as single trip insurance.
- International Comprehensive: A Medibank International Comprehensive Travel Insurance Plan provides more complete cover during your trip. It can provide cover for overseas medical and dental emergencies,3plus inclusions for unforeseen cancellations6, lost/stolen valuables7and more. An International Comprehensive Plan can be purchased as either a Single Trip or Annual Multi-Trip policy.
- Domestic:A Medibank Domestic Travel Insurance Plan is designed to help protect trips within Australia. It includes cover for cancellation, amendment& delays6,cover for lost, stolen & damaged personal effects7and more. Domestic travel insurance does not include any cover for medical expenses incurred whilst travelling. A Domestic Plan can be purchased as either a Single Trip or Annual Multi-Trip policy.
To understand more about the different Medibank Travel Insurance options, please visit ourcompare travel insurance pageor refer to theCombined FSG/PDS.
Does Medibank Travel Insurance include cover for COVID-19 related events?
Medibank provide cover for certain COVID-19 related scenarios, including overseas medical costs if you're diagnosed with COVID-19 by a qualified medical practitionerwhile travelling. For more information on COVID-19 cover, you can visit ourCOVID-19 benefits page.
How much does Multi-Trip Travel Insurance cost?
The cost of Multi-Trip Travel Insurance varies dependent on a number of factors. This can include where you are travelling to, any additional cover options that you select, if there are others on your policy, your age and any pre-existing medical conditions. Use the quote tool to find out the cost of Multi-Trip Travel Insurance.
Is Multi-Trip Travel Insurance available for seniors?
Yes. Our intention is to cover as many people as possible. However, policy prices my increase in line with your age, and if you are 70 years of age or over, the availability of the plans may vary depending on other relevant factors such as the destination, trip duration and whether the policy is a Single Trip or Annual Multi-Trip policy.
Am I covered for travel within Australia with Multi-Trip Travel Insurance?
You will be covered for domestic travel that is 250km or more from home, or, if less than that, your trip must include at least one-night paid accommodation booked with an accommodation supplier or provider.
Remember when selecting the zone for your policy coverage, you must choose the area which will cover all of your trips for the year.2Your Annual Multi-Trip Policy will provide cover for every trip in the same ‘area’, as listed above. Please note that the 20% rule will apply.
What do I list as my destination if I am unsure where I will be travelling throughout the year?
If you are unsure of where you're travelling, you can always enter 'Anywhere in the world' when quoting. This will help ensure you have cover for any destinations you choose (so long as travel sanctions aren't in effect). This does however mean that your Annual Multi-Trip policy may have a higher premium as it takes into account the fact you could travel anywhere in the world.
Alternatively you can select the area you think you'll be travelling to and if you need to increase your area of cover at a later date, then you can contact us to discuss re-issuing your policy.
How many trips can I take on my Annual Multi-Trip Policy?
There is no limit on the number of journeys you can take in the 12-month period, provided you are at least 250 kilometres from your home – or, if your trip includes at least one or more nights of paid accommodation with an accommodation supplier or provider. These trips must take place in the area you have selected, or in the included areas as part of your policy.
You must also ensure that each trip is not longer than the maximum trip duration you select when finalising your plan.1
How long can each of my trips be if I’m covered by an Annual Multi-Trip Policy?
On Annual Multi-Trip Travel insurance policies, you can choose a maximum trip duration of 30, 45 or 60 days for international plans, and 15 or 30 days for domestic plans. This means each separate trip you take using the policy cannot exceed the duration selected.
Things you should know
1Cover is limited to a maximum duration of up to 30, 45 or 60 days for international trips or 15 or 30 days on domestic trips depending on the duration choice you make.
2If 20% or more of any Journey will be spent in the Americas or Africa You must nominate the area including these countries as the area of travel. This applies to Single Trip and Annual Multi-Trip polices.
3Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.
4Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits see theCombined FSG/PDS.
5Limits apply. See theCombined FSG/PDSfor more information.
6Conditions apply to cancellation cover. Sub-limits apply. See theCombined FSG/PDSfor more information.
7Item limits apply. See theCombined FSG/PDSfor more information.
8Maximum liability collectively for sections Loss of Income, Personal Liability and Accidental Death is $10,000 on the Domestic Plan and $25,000 on the International Comprehensive Plan.
9You must take out an International Plan and add Cruise Cover if you’re travelling on a domestic or international multi-night sea or ocean cruise to have any cover for the benefits under the policy. Unless your cruise is entirely within Australia (e.g. a Kimberley Cruise which falls entirely within Australian coastal waters) in which case a Comprehensive Domestic plan may be purchased and no cruise cover variation is required.
10Conditions and exclusions apply. See theCombined FSG/PDSfor more information.
Limits, sub-limits, exclusions and conditions apply. This is general advice only. Medibank Private Limited, ABN 47 080 890 259, an Authorised Representative, AR 286089, of Travel Insurance Partners Pty Limited, ABN 73 144 049 230 AFSL 360138 arranges the insurance on behalf of the insurer. The insurer is Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL 232507. Please consider your own needs and theCombined FSG/PDSto decide if this product is right for you. For information on the Target Market andTarget Market Determinations, visitmedibank.com.au/travel-insurance/help/
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