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 countries/regions 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 | ✔ $Unlimited2 | ✖ Excluded |
| COVID-19 Benefits | ✔ As applicable3 | ✔ As applicable3 |
| Additional Expenses | ✔ $Unlimited4 | ✔ $10,0004 |
| Cancellation & Amendments | ✔ $10,0005 Up to $Unlimited5 |
✔ $10,0005 Or $Unlimited5 |
| Luggage and Personal Effects | ✔ $25,0006 | ✔ $15,0006 |
| Rental Car Insurance Excess | ✔ $10,000 | ✔ $10,000 |
| Travel Delay Expenses | ✔ $3,0007 | ✔ $2,0007 |
| Hospital Cash Allowance | ✔ $5,0007 | ✖ Excluded |
| Loss of Income | ✔ $10,0008 | ✔ $2,0008 |
| Permanent Disability | ✔ $25,0008 | ✔ $10,0008 |
| Accidental Death | ✔ $25,0008 | ✔ $10,0008 |
| 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 destination(s).
It’s important for you to tell us where you will be travelling. This will not only influence your premium, but determine where your Annual Multi-Trip (AMT) policy will be in effect. Ideally you should select every country that you will be travelling to within the year. However, if you don’t know exactly where you will travel, you can select ‘Worldwide’ or enter the regions from the list within the quote tool.
If you are stopping in a country for less than 72 hours, you will not need to list this country on your policy.
Examples:
You are travelling to Japan and Thailand, but you might also go to Vietnam. To ensure you have cover if you do go to Vietnam, you can select “All of Asia” or list all 3 countries.
You are travelling to 13 countries across Europe. You can select “All of Europe”.
You are travelling to multiple continents including North America, you can select “Worldwide”.
If you have any questions, you can contact us.
Step 2: Click on the Annual Multi-Trip option and select your excess.
When you are prompted to select your cover, toggle from the Single Trip options, to the Annual Multi-trip option.
If you're purchasing a domestic policy, your excess amount is automatically set to be $50. If you're purchasing an international policy then you'll need to select from $0, $100 or $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 selected destinations), 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.
Remember, If you purchase and International Annual Multi-Trip policy, domestic travel is automatically included if your journey is 250 kilometres or more from your home.
If your journey is less than 250 kilometres from your home, your trip can still be covered if you’ve paid for at least one night of accommodation with an accommodation supplier (i.e. serviced apartment) or provider (such as peer-to-peer service, Airbnb).
Step 4: Select any additional cover you may require.
For an additional Premium, you can increase your cancellation cover limit and/or add cover for additional scenarios like snow sports, moped riding and multi-night sea or ocean cruises. If you’re travelling with valuables that are worth more than the item limits shown in the PDS, then you can opt to increase your cover for those items. 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.
Choose your payment method. After payment, your Certificate of Insurance will be emailed to you, which includes important policy details.
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.
$10k Cancellation cover with options to upgrade
Cover provided for cancellation due to certain unforeseen circumstances.5
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 2022-24 for Exceptional Value Annual Multi-Trip Insurance, and WeMoney's 2024 and 2025 Award - Best for Multi-Trip Travel Insurance.
Additional cover options
For an additional premium, you can add cover for additional scenarios like snow sports activities, moped riding and multi-night sea or ocean cruises. And if you're travelling with valuables, you can also opt to increase your item limits for your luggage and personal effects.
Frequently asked questions (FAQs)
Medibank Travel Insurance plans have activities automatically included in your cover. This includes: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 Medical cover will not exceed 12 months from the onset of the illness or injury. Medical evacuation cover subject to claim approval.
3 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.
4 Limits and sub-limits apply. See the Combined FSG/PDS for more information.
5 Conditions and sub-limits apply. See the Combined FSG/PDS for more information. For an additional premium Cancellation cover can be upgraded up to $Unlimited on the Domestic Plan. Cancellation cover limit applies per policy.
6 Item limits apply. See the Combined FSG/PDS for more information.
7 Sub-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/