Best Multi-Trip Travel Insurance Australia

Compare your multi-trip travel insurance options with Savvy to help you find the best.

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Looking to take out a multi-trip policy to cover you for several holidays across the year? It’s important to put in the legwork to find the best policy in Australia for your travel needs before you depart, which you can do right here by comparing your options with Savvy today.

With respected insurers counted amongst our panel of partners, considering offers with us can help you find the best multi-trip travel insurance policy for you. Start the comparison process right here with Savvy and have your insurance sorted before you know it.

What is multi-trip travel insurance?

Multi-trip or annual travel insurance is a type of travel insurance designed to cover you for multiple trips over the span of 12 months. This is presented as a viable alternative to frequent flyers who would otherwise spend a considerably greater sum of money on several separate policies to cover each trip.

Aside from the difference in structure, the cover which is offered to travellers who take out this type of insurance is essentially the same as what you would receive on any other similar policy. The key benefit of a multi-trip policy lies in its ability to offer a more affordable solution for travellers who are away from home frequently throughout the year.

What is the best multi-trip travel insurance in Australia?

The best travel insurance policy for you will depend largely on the type of cover you need as a traveller. In terms of which insurer is best, different people will have different preferences regarding the products and cover offered, but you can be safe in the hands of any of Savvy’s trusted partners when it comes to multi-trip insurance. You can start the quote process with one of our providers today and receive the cover you need fast.

If you’re locked in to make several trips across the next 12 months, it’s important to consider each of the following to help you find the most suitable offer for your needs:

Basic or comprehensive travel insurance

Firstly, think about the level of cover you’re after as a traveller. Basic travel insurance is cheaper and will cover you for the essentials, such as medical costs, personal liability and personal item cover up to a low limit (sometimes available as an optional extra). This may be a more suitable policy type if you’re looking for cover as a backpacker and are travelling light without many valuables or bookings.

Although it shapes as the more expensive option, on top of offering cover for each of the above, a comprehensive policy can insure you for the following:

  1. Cancellation of flights and other bookings which come with fees or no refunds
  2. Personal effects such as luggage or valuables up to a higher limit
  3. Rental car excess if it’s damaged in your care
  4. Personal liability up to a higher limit (as much as $5 million compared to $1 million or $2 million)

Domestic or international travel insurance

Whether you’re travelling domestically or internationally will also make a difference. Which of the two is best for you is self-explanatory, but it’s important to note that international travel insurance is more expensive and will offer cover for medical expenses, which isn’t the case for holidays based in Australia (given the presence of Medicare and private health insurance).

How do I compare multi-trip travel insurance to find the best in Australia?

There are many ways to compare multi-trip travel insurance to help you secure the best deal for your needs. Some of the key tips to consider when comparing offers include:

  1. Consider the maximum travel cap: different policies will have different caps on the maximum amount of travel you can be covered for. In most cases, this is set at 90 days out of 365, but some insurers can set it as low as 15 to 30 days. This should be a key comparison point for you as a frequent flyer.
  2. Compare the cost of premiums: of course, you shouldn’t pay more than you need to for your travel insurance. Take out different quotes and compare prices to gain a better idea of how much insurance might cost so you can more easily find the best price.
  3. Think about the cover you need: if you’re travelling light, do you really need to take out a fully comprehensive insurance policy? Would you rather pay more for greater peace of mind whilst on your travels or protect your valuables and bookings? These are important questions to ask yourself before buying your policy.
  4. Consider your needs as a traveller: make sure the insurer you choose can offer you the right policy suited to your needs. For instance, if you were covering several trips to Portugal with your family to see relatives, you might be better off with an annual family travel insurance policy. The same applies to cover for specific activities like skiing, snowboarding and scuba diving.
  5. Make sure your destination is covered: of course, it’s important to ensure the place you’re travelling to is covered by your insurer. Different insurers cover different destinations, so those which can offer the coverage you need will clearly be the best for you.
  6. Look at the excess requirements: policies will have different requirements when it comes to the excesses set on travel insurance policies. While these generally range from $100 to $250, many insurers will allow you to set them at higher or lower levels. If you’re looking to set a particularly large or small excess, look for an insurer who allows you to do so.

Types of travel insurance

Why compare travel insurance with Savvy?

Common questions about multi-trip travel insurance answered

Will I be able to take out annual insurance to cover 100 days of travel?

No – travel insurers will only offer policies which enable you to be covered for a maximum of 90 days over a given year. As such, multi-trip travel insurance for 100 days’ worth of travel isn’t readily available to holidaymakers. However, you may be able to extend your policy with some insurers, which could offer you access to more travel up to and beyond 100 days.

Can I purchase a multi-trip travel insurance policy if I’m overseas?

Yes – you can still purchase travel insurance whilst you’re overseas with some insurers. This may be because you forgot to take out travel insurance previously or your previous policy expired. However, there’s likely to be a waiting period before your cover starts, which may be 48 to 72 hours in some cases.

What is the best multi-trip travel insurance for seniors in Australia?

Seniors can still take out multi-trip insurance and access suitable cover for several getaways under one policy. However, while some insurers will allow you to take out insurance up to the age of 100, this may not always be the case. Most notably, some insurers will restrict travellers over the age of 65 to a maximum of 90 days of total cover, rather than 365, so it’s important to compare your options to help you find the best for your needs.

Is annual travel insurance available to groups?

Probably not – if you’re looking to take out an insurance policy to cover a large group of people, most insurers will only allow you to purchase a single-trip policy. This is likely to be the most suitable option for those with a large travelling party (which can range up to 25). However, you can purchase annual travel insurance for your family.

Will I be covered for COVID-19-related events under multi-trip travel insurance?

Most insurers offer comprehensive policies which provide cover for certain COVID-19-related events, such as having to cancel part or all of your holiday and receiving medical treatment whilst overseas or onboard a cruise. It’s important to compare policies in this area to make sure you’ll be covered if you fall ill or become a close contact.

Which optional extras can be added to my travel insurance policy?

There’s a range of optional extras which can be added to your annual multi-trip travel insurance policy. These will often pertain to adventure activities which are considered to be more dangerous, such as rock climbing, motorcycle riding, skiing and scuba diving. You might also want to take out cruise cover if you’re planning to explore the coastline on your trip to Croatia, while you may also be able to add cover and higher limits for more valuable items such as cameras, jewellery or prescription glasses.

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We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.