Annual travel insurance

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Updated March 6, 2024

Why take out annual travel insurance?

Taking out travel insurance for your trip is always a good idea, and if you’re a frequent flyer you could consider annual cover. Besides peace of mind on your trip, there may be other benefits to your policy, including:

  • If you travel more than three times a year, you may find more value in an annual multi-trip policy.
  • Having consistent coverage across all of your trips within a 12-month period without having to re-apply can save time and effort.
  • You may be covered for unforeseen events while you’re travelling, including injuries, illnesses, cancellations, delays, personal liability and other additional expenses (although, medical cover is only available for international trips).

Choosing an annual multi-trip policy

When comparing annual travel insurance policies, there are several factors you should consider, to help make sure you’re covered for everything you need. Before choosing a policy, be aware of the following:

  • If you plan to travel both overseas and in Australia, make sure your cover includes both options and you understand any differences in your domestic and international travel insurance coverage.
  • The policy benefits and exclusions will vary depending on your provider and if you’ve purchased any add-ons to your policy, such as rental car excess cover or ski cover.
  • Choose a maximum trip length that suits your travel plans, so you don’t risk travelling without cover.

Expert tips for choosing the right annual travel insurance policy for you

Our travel insurance expert, Adrian Taylor, has some insider tips to help you choose a suitable annual policy for your travel needs.

Adrian Taylor
Executive General Manager – General Insurance

Be aware of your maximum trip length

Annual cover will always have maximum trip lengths (e.g. 30 to 90 days) for each trip you take. If you continue travelling on a single trip past the end of the trip length mentioned in your policy, you will not be covered.

Check if you’re covered for domestic trips

Some annual multi-trip policies will cover both international travel and trips in Australia, but keep in mind domestic and international trips might have different maximum trip lengths listed in your policy.

Choose a policy that includes COVID-19 cover

COVID-19 cover is available for both single and multi-trip policies with a sufficient level of cover. Without this, you may not be covered for any related losses if you are diagnosed with COVID-19 before departure or during your trip.

What to know about annual travel insurance

Why is annual travel insurance beneficial?

How does annual travel insurance work?

What’s the difference between annual travel insurance and a single trip policy?

Is annual multi-trip travel insurance cheaper than single policies?

Inclusions and exclusions

What does annual travel insurance cover?

What does annual travel insurance exclude?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.