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What is Multi-Trip Travel Insurance?
Annual Multi-Trip Travel Insurance gives the option to travel multiple times a year under the same policy.
With Medibank 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 area2 you select within the quote tool as well as the maximum trip duration selected.1
What does Medibank Multi-Trip Travel Insurance offer?
Annual Multi-Trip Travel Insurance gives the option to travel multiple times a year under the same policy. 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.
|Overseas Medical & Hospital Expenses||X||$Unlimited3|
|COVID-19 Benefits||✔ As applicable4||✔ As applicable4|
|Cancellation & Amendments||$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|
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 detailed below.
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 found below, 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 assessment form 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.
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
✘ The Middle East
✘ The Pacific
Area 4 - Domestic Coverage
Domestic cover for Australia, this includes:
✔ Norfolk Island
✔ Antarctica sightseeing flights
It excludes cover for:
✘ The rest of the world
$Unlimited cancellation cost
$Unlimited cancellation cover if you have to cancel due to unforeseen circumstances.6
15% discount for Medibank or ahm members
If you're a Medibank or ahm health member you can save 15% on travel insurance.
- Horse riding
- Jet skiing
Terms, conditions and exclusions apply. See the Combined FSG /PDS for more information on included activities and for full list of activities.
Frequently asked questions (FAQs)
Things you should know
1 Cover 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.
2 If 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.
3 Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.
4 Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered by our COVID-19 travel insurance benefits see the Combined FSG/PDS.
5 Limits apply. See the Combined FSG/PDS for more information.
6 Conditions apply to cancellation cover. Sub-limits apply. See the Combined FSG/PDS for more information.
7 Item limits apply. See the Combined FSG/PDS for more information.
8 Maximum 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.
9 You 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.
10 Conditions and exclusions apply. See the Combined FSG/PDS for 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 the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit medibank.com.au/travel-insurance/help/
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