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Annual Multi-Trip Travel Insurance

Yearly cover for the frequent traveller

If you travel regularly and take a few trips a year, then an Annual Multi-Trip (AMT) policy could save you time and money. Purchase an AMT and you will be protected for an unlimited number of journeys over a 12-month period. You won’t have to worry about taking out a new policy every time you jet off - as long as your AMT fits the requirements of your upcoming trips.

You get to pick from 30, 45, or 60 days trip duration for your international policy. Cover-More gives you the flexibility of tailoring your travel insurance to fit your needs!

Is Annual Multi-Trip travel insurance right for you? Let us answer your questions by visiting our Annual Multi-Trip FAQs page.

We are here to help you find the policy that best suits your needs so get a free quote online.

When you purchase an annual policy directly from Cover-More, you can earn 3 Velocity Points per $1 spent. Add your Velocity membership number when you purchase your policy. Points are provided after the cooling off period ends***. For full details, visit our Velocity Points page.

Why buy an Annual Multi-Trip (AMT) policy

If you want convenient and cost effective travel insurance, then consider protecting your trips with an Annual Multi-Trip policy. When travelling multiple times a year, you don’t want the added stress of having to take out a plan each time you go away.

As a Cover-More AMT policyholder, you take as many trips as you want throughout the year up to the trip duration you chose. For an international Annual Multi-Trip policy, select your maximum trip duration as either 30, 45 or 60 days. For domestic AMTs, your trip length can be 15 or 30 days depending on what you prefer. No need to tell us about every trip you plan on taking – just set off and have fun!

Our annual policies provide comprehensive travel insurance so you can see the world with peace of mind. Did you know that your Annual Multi-Trip policy benefits are automatically reinstated after you return home from each trip? This means you can enjoy the full policy benefits for every coverable trip you take! If you happen to lose your luggage on one journey and need to claim the full policy benefit, it’s reinstated for the next one so you’re not left unprotected.

Changed your mind? No worries! If you decide to cancel your AMT policy within 15 working days from purchase, you can receive a full refund. Our money back guarantee makes this possible providing you have not departed on your trip or intend to make a claim.

Annual Multi-Trip coverage

When you purchase a Cover-More annual policy, you can travel with peace of mind. AMTs can provide cover for an unlimited number of journeys in a 12-month period up to the duration selected. You can enjoy these benefits popular among frequent travellers:

Benefit Description Benefit Level
(Per Adult Covered)
Overseas Medical and Dental* $Unlimited~#
Additional expenses* $Unlimited~#
Amendments or cancellation costs* Cover chosen^#
Luggage and travel documents* $15,000
Delayed luggage allowance* $750
Money $250
Rental car insurance excess $6,000∞
Travel delay** $2,000
Resumption of journey $3,000
Special events $5,000
Hospital incidentals* $6,000
Hijacking* $5,000
Loss of income $10,400†# (up to $1,733.33 per month)
Disability $25,000†#
Accidental death $25,000†#
Personal liability $2,500,000

Remember that the limit under each policy benefit is automatically reinstated when you come home from each trip. For full details of the terms, conditions, exclusions, limits and sub limits that apply, please read the Product Disclosure Statement before purchasing this insurance product.

Do you think an AMT policy suits you? That’s great! It only takes a moment to get a quote online.

How to buy an Annual Multi-Trip policy

If you want to purchase an Annual Multi-Trip, great choice! It may end up saving you time and money in the future if you travel regularly. To buy your AMT policy on our website, it is as simple as entering in the details of your first trip in our quote box. Make sure you put in all the destinations you plan on visiting for the next 12-months. Unsure of where the year will take you? Then we suggest selecting ‘Anywhere in the world’ as your destination.

annual cover summary

You will be taken to the Cover Summary page. Click on the tab called ‘See Annual Multi-Trip Plans’ in the top right-hand corner of your screen. Our AMT policy options will then be displayed. You can select the coverage items that work best for you.

annual cover summary

Adjust the excess value and maximum trip duration to suit your travel needs. Note: this will affect your premium.

You can then choose to add-on cover for Winter sports, Motorcycle/Moped and Cruise. Simply adjust the cancellation cover, rental car excess cover and luggage limits that you need. These options will influence the premium amount you need to pay.

annual cover extras

Continue filling out your details down the rest of the page and declare any existing medical conditions. You are now ready to finalise your annual policy and protect your future travel dreams!

Don’t see the option to purchase an AMT? Your travel requirements might be better suited to one of our other policies. Call us on 1300 72 88 22 to discuss your travel insurance options.

Choose your plan

Cover-More understands that each traveller is different. This is why you get to choose the coverage you want. Choose our travel insurance level to fit your travel and budget needs. You can select add-on cover for cruises, Winter sports, and riding a motorcycle or moped. Increasing your rental car excess cover is also available. Remember an additional premium will apply.

The options don’t stop there! If you are travelling with a valuable item, you can increase the luggage limit up to $4,500. For multiple items, the overall increase in limits cannot exceed $7,000. Make sure you also pick a cancellation cover amount to protect each of your holidays. You don’t want to be left out of pocket if you need to cancel, as long as the reason falls within the terms of our Product Disclosure Statement.

When you buy a Cover-More Annual Multi-Trip plan, we give you the option to choose your excess when travelling internationally. Select an excess amount of either $0, $100 or $250. For domestic policies, a set excess of $50 applies. Don’t forget the excess amount is applied to each claimable event.

You will also need to choose the maximum trip duration you want. Our international annual policies have a choice between 30, 45 or 60 days for each individual trip length. For our domestic AMT plans, select a maximum trip duration of either 15 or 30 days. These options will affect the premium you have to pay.

Get a quote online to see how affordable an Annual Multi-Trip policy can be.

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Specifics about your Annual Multi-Trip policy

There are a few things you need to know about your annual policy. The plan only covers you up to the maximum trip duration you select. This applies to each separate trip. If you choose a maximum trip duration of 60 days on your international Annual Multi-Trip plan, then each individual trip you take throughout the year cannot be longer than 60 days. Keep in mind you are protected for an unlimited number of journeys, as long as you return home after each one.

You need to travel within the destinations or regions you picked when finalising your Annual Multi-Trip. If you are unsure where the year will take you, consider selecting ‘Anywhere in the world’ as your destination. Each coverable journey needs to be at least 250 km from your home.

Do you have any questions? Check out our Annual Multi-Trip FAQ page or call us on 1300 72 88 22.

Existing Medical Conditions

Cover-More automatically covers many existing medical conditions (EMCs). You can go out and see the world with peace of mind. Find out which conditions we automatically cover by reading the PDS. From gout to glaucoma, we may be able to provide you with cover for your condition. If your EMC is not listed in our PDS, there is a chance we can still offer travel insurance for it. Complete a medical assessment online during the quote process or over the phone by calling 1300 72 88 22 to find out.

If you develop a medical condition during the 12-month period of your Annual Multi-Trip cover, then let us know by calling 1300 72 88 22. We look at the relevant time to determine whether it is a new condition or an existing one. The relevant time on your Annual Multi-Trip policy is the policy issue date, or the time you first started booking your trip - whichever happens last.

When you are diagnosed with a new medical condition during the year your AMT is in place, we will consider it an EMC for any trips you book in future. If the condition arose after the policy was issued or after the relevant trip was first booked, we will consider it to be a new condition for those specific trips. This means that cover would apply automatically once you are confirmed fit to travel by your doctor. You will need to contact us either way to complete a medical assessment over the phone by calling 1300 72 88 22.

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Frequently asked questions

An Annual Multi-Trip policy provides you with travel insurance over a 12-month period. It saves you the hassle of taking out a new policy every time you travel further than 250 km from home. You are covered for an unlimited number of journeys throughout the year, up to the trip duration selected on your AMT. An AMT is not 12 months of continuous cover, as each trip can only be up to 60 days – which is the maximum international trip duration you can choose. If you are a frequent traveller who takes multiple trips a year, then you may find an AMT policy is an affordable solution for protecting your travels.

You can take an unlimited number of journeys using your AMT travel insurance, provided you are at least 250km from your home. For cover to apply, you need to ensure each individual trip is not longer than the maximum trip duration you selected when finalising your plan.

No. You do not have to inform us every time you go on a trip. As long as your holiday is less than the maximum trip duration you selected and is in the destination region of cover you chose, you are protected by your AMT.


Check out our dedicated FAQs for Annual Multi-Trip travel insurance for more information!

Money back guarantee

Travel insurance is an important purchase to consider. We understand that you may change your mind. That’s okay! Cover-More offers you a cooling off period of 15 working days. Our money back guarantee can provide you with a full refund if you choose to cancel. You are entitled to a full refund as long as you:

  • are not making a claim under the policy;
  • have not departed on your journey; and
  • cancel the policy within 15 working days from the time of issue.

If you cancel your travel insurance outside of the cooling off period, a full refund is not available. Talk to us on 1300 72 88 22 if you have any concerns.

Get a quote

Find out how affordable covering your trips throughout the year can be. Get a travel insurance quote online by entering in your travel details into our quote box. If you have any questions about our Annual Multi-Trip policies, talk to us on Live Chat or give us a call on 1300 72 88 22.

Cover-More Travel Insurance was reviewed on 23 September 2019 on Feefo and rated 4.2 stars.


***Points are provided after the cooling off period and can take up to 24 hours to show in your account. To earn and redeem Velocity Points you must be a Velocity member. Velocity membership and Points earned and redemption are subject to Member Terms and Conditions, as amended from time to time. Offer available on policies purchased 2 February 2016 onwards via www.covermore.com.au.
*Sub-limits apply. Please refer to the policy wording.
~Medical and dental cover will not exceed 12 months from onset of the illness, condition or injury.
∞Additional cover available.
^Cover chosen applies per policy.
†Maximum liability collectively for Loss of income, Disability and Accidental Death is $20,000 on the International Plan.
#Reduced limits may apply for customers 70 years of age or over at the Relevant Time. Limits will be shown on the Certificate of Insurance