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        Annual Multi Trip Travel Insurance

        Smart Traveller Insurance offers Annual Multi Trip International and Domestic insurance policies. If you travel frequently, you could save money by purchasing an Annual Multi Trip policy. You are covered for an unlimited number of trips up to 90 days duration (international policies) and 45 days duration (domestic policies).

        Annual Multi Trip Cover Eligibility 

        To be eligible for Annual Multi Trip Travel Insurance you must be:

        • an Australian resident
        • between 18 and 69 years of age when you apply

        If you are over 69 years of age, we can still cover you on a One Trip policy.

        Who’s covered?

        • Individual - Cover for 1 Adult
        • Me plus One - Cover for 2 Adults
        • Family or Group Cover - for Adults and Children all travelling on the same journey. Children are covered for free under Family or Group cover.

        Where can I travel?

        If you think you will be travelling to multiple destinations which are in different geographical regions, you must select the geographical region which provides the most cover. If there is a possibility you may travel to the Americas and Africa (excluding Cuba) at any time in the year, you need to select the Geographic 1 category (Worldwide including the Americas and Africa (excluding Cuba).

        • Worldwide including the Americas and Africa (excluding Cuba)
          All worldwide locations (excluding Cuba for US Citizens). You must select this geographical region if more than 20% of your Journey is in the Americas and/or Africa.
        • Worldwide excluding the Americas, Africa and Cuba
          UK, Europe, Japan, Hong Kong, China, the Middle East, the Indian Sub-Continent and locations covered by geographical regions 3-5 below.*
        • South East Asia
          South East Asia and locations covered by geographical regions 4-5 below.*
        • New Zealand/Pacific Islands Indonesia (including Bali)
          New Zealand, Indonesia (including Bali) the South West Pacific Islands and location covered by geographical region 5 below.*
        • Australia
          Australia. (Domestic Cover only)

        * Geographical regions 2-4 include the Americas (excluding Cuba for US Citizens) and Africa if less than 20% of Your Journey occurs in the Americas (excluding Cuba for US Citizens) and/or Africa.

        What is covered?

        Our International Multi Trip Travel Insurance provides cover for unlimited emergency medical, hospital and dental expenses, travel delays, cancellations, personal liability and more. See our Summary of Benefits to see all benefits for various cover levels. Terms conditions exclusions and limits apply, for example we will not pay for, for medical treatment, dental treatment or ambulance transportation which is provided in Australia. Please read the Product Disclosure Statement for a full summary of benefits and exclusions.

        Our Domestic Multi Trip Travel Insurance provides cover for unlimited emergency medical, hospital and dental expenses, travel delays, cancellations, personal liability and more. See our Summary of Benefits to see all benefits for various cover levels. Terms conditions exclusions and limits apply, for example we will not pay for Transport Provider delays, cancellation or rescheduling (unless it is as a result of a strike of which there had been no warning prior to the purchasing of a One Trip Policy). Please read the Product Disclosure Statement for a full summary of benefits and exclusions. 

        How long am I covered for?

        All Annual Multi Trip policies gives you unlimited individual trip cover for trips up to 90 days duration (international policies) and 45 days duration (domestic policies). All policies last for 365 days from the date of purchase. 

        You don’t need to tell us each time you travel, or rebook your policy with us each trip.

        Smart Traveller Cover

        Annual Multi-trip Insurance come in one plan type – Smart Traveller.

        • Smart Traveller International – Our comprehensive level of cover includes unlimited medical cover, coverage for travel delays, and higher limits for cancellations, luggage and other additional benefit types.

        Our International Multi Trip Travel Insurance provides cover for unlimited emergency medical, hospital and dental expenses, travel delays, cancellations, personal liability and more. See our Summary of Benefits to see all benefits for various cover levels. Terms conditions exclusions and limits apply, for example we will not pay for, for medical treatment, dental treatment or ambulance transportation which is provided in Australia. Please read the Product Disclosure Statement for a full summary of benefits and exclusions.

        Choosing an excess

        You can choose your excess when purchasing your policy. A higher excess will reduce your policy premium.

        • International policies
          You can choose between having a $100 or $200 excess
        • Domestic policies
          You can choose between a $50 or $100 excess.

        Need to renew an Annual policy?

        No problem. Just call us on 13 76 76 and have your existing policy number ready. 

        FAQs

        Read a comprehensive list of our Frequently Asked Questions.

        Policy Wording

        Read the full policy wording in our Product Disclosure Statement.