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 area2 you 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 | International Comprehensive |
Domestic |
|---|---|---|
| Overseas Medical & Hospital Expenses | ✔ $Unlimited3 | ✖ Excluded |
| COVID-19 Benefits | ✔ As applicable4 | ✔ As applicable4 |
| Additional Expenses | ✔ $Unlimited5 | ✔ $10,0005 |
| Cancellation & Amendments | ✔ $Unlimited6 | ✔ $10,0006 $Unlimited6 (additional cost) |
| Luggage and Personal Effects | ✔ $25,0007 | ✔ $15,0007 |
| Rental Car Insurance Excess | ✔ $10,000 | ✔ $10,000 |
| Travel Delay Expenses | ✔ $3,0008 | ✔ $2,0008 |
| Hospital Cash Allowance | ✔ $5,0008 | ✖ Excluded |
| Loss of Income | ✔ $10,0009 | ✔ $2,0009 |
| Permanent Disability | ✔ $25,0009 | ✔ $10,0009 |
| Accidental Death | ✔ $25,0009 | ✔ $10,0009 |
| Personal Liability | ✔ $5,000,000 | ✔ $5,000,000 |
Did you know that if you're a Medibank or ahm health member, you can save 15% on any Medibank Travel Insurance policy?
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 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 or 30 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.
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 detailed above.
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 cruises10
✘ 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.
15% discount for Medibank or ahm members
If you're a Medibank or ahm health member you can save 15% on travel insurance.
$Unlimited cancellation cover on an International Comprehensive Plan
Cover provided for cancellation due to certain unforeseen circumstances.6
Emergency assistance whilst travelling
We're here to help if the unexpected happens with 24/7 emergency assistance.
Multi-award winning travel insurance
We're proud to be winners of Mozo's Experts Choice Award in 2024 for Exceptional Value Annual Multi-Trip Insurance and WeMoney's 2024 Award - Best Multi-Trip Travel Insurance.
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 the Combined FSG /PDS for more information on included activities and for full list of activities.
Additional options
For an additional premium, you can add additional cover for certain activities or high value belongings. This can include snow sport activities, moped riding11 and multi-night cruises.10
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 the PDS for full details.
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 the PDS.
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 the PDS for full details.
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 PDS for full details of luggage cover, limits and exclusions.
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 and sub-limits apply. See the Combined FSG/PDS for more information.
6 Conditions and sub-limits apply. See the Combined FSG/PDS for more information. For an additional premium Cancellation cover can be upgraded to $Unlimited on the Domestic Plan. Cancellation cover limit applies per policy.
7 Item limits apply. See the Combined FSG/PDS for more information.
8 Sub-limits apply. See the Combined FSG/PDS for more information.
9 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.
10 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.
11 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/