Home / Travel Insurance / Annual Multi-Trip

Annual Multi-Trip Travel Insurance

santorini greece

12-months of travel insurance for frequent travellers

Do you travel regularly? Or do you typically take two or more trips every year? If so, an Annual Multi-Trip (AMT) Plan could save you time and money.

When you buy an AMT Plan, you’re protected for an unlimited number of domestic and international trips over a 12-month period up to the trip duration you’ve selected^. Yes, you won’t have to worry about taking out a new policy every time you jet off*! 

With Cover-More, you also have the flexibility of tailoring your AMT Policy to fit your needs - you can add extra coverage options you need to suit your travel style.

If this sounds like the best travel insurance solution for you, be sure to get a travel insurance quote today! 

Have more questions about our Annual Multi-Trip Plan? Then be sure to check out our AMT FAQs page.

Jump to:

What is Annual Multi-Trip (AMT) travel insurance?

An Annual Multi-Trip Policy provides you with multi-trip travel insurance over a 12-month period. If you are a frequent traveller who takes multiple trips a year, you may find an AMT Plan to be an affordable solution for protecting your travels.

Under this type of policy, cover is provided for an unlimited number of trips throughout the year every time you travel further than 250 kilometres from your home or – if the distance is less than this – your trip includes at least one night of paid accommodation with an accommodation supplier or provider, up to the individual maximum trip duration noted on your Certificate of Insurance.

An AMT Plan is not 12 months of cover for 365 days of continuous travel - each trip covered by the policy cannot extend beyond the maximum number of days you’ve selected on your policy. On our International Plan, you can choose a maximum duration of either 30, 45, or 60 days. On our Domestic (Only) Plan, your trips can be a maximum of either 15 or 30 days.

Our AMT Policy is currently available to travellers up to 74 years of age.

Why should I buy an AMT Policy?

An Annual Multi-Trip Policy is convenient and provides cost-effective travel insurance. So, if you’re travelling multiple times a year and you don’t want the added stress of having to take out a different travel insurance policy each time you head off on a holiday, AMT could be a great option for you. 

As a Cover-More AMT customer, you can take as many trips as you want throughout the year up to the trip duration you choose when purchasing the policy. Better yet, there’s no need to tell us about every trip you plan on taking – just set off and have fun! Do make sure your policy covers the countries you’re visiting and the activities you’re participating in, though.

What benefits do I receive with an AMT Policy?

When you buy a Cover-More Annual Multi-Trip Policy, you can travel with peace of mind all year ‘round. Yes, an AMT Policy can provide cover for an unlimited number of trips in a 12-month period up to the trip duration selected. 

With an AMT Policy, you can enjoy the following benefits, which are popular among frequent travellers:

  • overseas medical and dental cover~
  • protection for lost or delayed luggage
  • rental car insurance excess cover
  • travel delay cover
  • a level of cancellation cover you choose*, and
  • more.  

With an AMT Policy, the limit under each policy benefit is also 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 (PDS) before purchasing this insurance product.

Do you think an AMT Plan suits you? You can get a free online quote now

What do I need to know prior to purchasing an AMT Policy?

There are a few things you need to know about your annual policy prior to purchase.

Maximum trip duration

Your AMT Policy only covers you up to the maximum trip duration you select at the time of purchase. This maximum applies to each separate trip. 

For overseas trips on our International AMT Plan, you can choose between 30, 45 or 60 days for each individual trip length. For trips within Australia only, on our Domestic AMT Plan, you can select a maximum trip duration of either 15 or 30 days. The trip length option you choose will also affect the premium you have to pay.

For example, if you choose a maximum trip duration of 60 days on your International Annual Multi-Trip Policy, then each individual international trip you take throughout the year (and you can take as many as you want) cannot be longer than 60 days. 

Keep in mind you are still protected for an unlimited number of trips during the annual period, but you must return home after each one. It doesn’t allow 365 days continuous cover. Please choose a duration that suits your needs for the year. We currently have 20-, 45-, and 60-day trip duration options for international travel and 15- and 30-day trip duration options for domestic (only) travel.

An International AMT Plan also includes cover for trips within Australia if you travel more than 250 kilometres from your home or – if you’re travelling less than 250 kilometres – your trip includes one or more nights of paid accommodation with an official supplier or provider such as a hotel or Airbnb. In this case, your trip can be up to the maximum duration shown on your Certificate of Insurance.

Choose your level of cover

At Cover-More, we understand each traveller is different, which is why you’re able to choose the travel insurance plan and optional cover for various benefits that best fit your travel style and budget needs. 

Our range of popular optional cover options includes cover for cruises^, winter sports, and riding a motorcycle or moped. You can also increase your rental car insurance excess cover if you’re hiring a car on your trip. Remember an additional premium will apply if you upgrade your cover with any of the optional cover options relevant to your travel.
The additional options don’t stop there, though. If you’re travelling with a valuable item, you can increase your luggage cover limit up to $4,500. For multiple items, the overall increase in limits cannot exceed $7,000. 

You’ll also need to select a cancellation cover amount to protect each of your holidays. This amount is based on the total cost of each trip, so it’s best to put in the amount that’ll most likely cover your most expensive trip during the year. This will help ensure you’re protected if you need to cancel a trip and the cancellation reason falls within the terms of our PDS.                         

Add your excess

When you buy a Cover-More Annual Multi-Trip Policy on our International Plan, we give you the option to choose the amount of your excess. The excess applies if you have a claim and is the first amount of a claim that we don’t pay. You can select an excess amount of either $0, $100 or $250. For a Domestic plan, a set excess of $50 applies.

Don’t forget the excess amount is applied to each claimable event. For more details on what this means and the benefits that an excess applies to, read our PDS.


Existing Medical Conditions

Cover-More automatically includes cover for many common existing medical conditions (EMCs) including asthma, acne, high cholesterol, gout, glaucoma, and epilepsy.

To find out if your existing condition is automatically included, read the PDS. If any or all of your EMCs are not listed in our PDS or they do not meet the criteria for those automatically included, please complete a medical assessment online during the quote process or over the phone by calling us on 1300 72 88 22.

If you develop a new medical condition during the 12-month period of your Annual Multi-Trip cover, it’s important to let us know by speaking to our team at 1300 72 88 22. Each time you book and pay for a trip (what we call the “relevant time”), you need to reconsider your medical conditions. By disclosing your condition you’re helping our team determine if the condition is considered an EMC or a new condition on any planned or future trips. Please read the PDS for more information.

Cooling-off period

Purchasing travel insurance is an incredibly important decision and one that shouldn’t be taken lightly. Because of this, we understand you may change your mind after you’ve bought a policy and that’s perfectly fine.

That’s why Cover-More offers a cooling-off period of 21 days. This period can provide you with a full refund if you choose to cancel your policy with us.

You are entitled to a full refund as long as you:

  • Have not made a claim under the policy;
  • Have not departed on your trip;
  • Have cancelled the policy within 21 days from the time of issue.

If you wish to cancel your policy and receive a full refund, please contact us within the cooling-off period.

How do I buy an Annual Multi-Trip Policy?

Are you ready to buy an Annual Multi-Trip policy? If you travel regularly, it may end up saving you time and money in the future. 

To buy an AMT policy on our website, it is as simple as entering in the dates of your first trip in our quote box. In the destinations section, make sure you put in all of the destinations you plan on visiting for the next 12-months. 

Unsure of where the year will take you? If you are not sure of all your destinations, select a region instead – cover then applies for travel to all countries within that region. You can also select ‘Anywhere in the world’.

Once this is completed, 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 Plan options will then be displayed. You can then select the coverage items that work best for you.

Don’t see the option to buy an AMT policy? 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.

Annual Multi-Trip FAQs

No. If you do not intend on returning home after each individual trip, a Single Trip Policy can offer coverage for up to 12 months and is valid the whole time you are overseas.

An AMT Policy will protect the individual trips you take throughout the year, as long as each trip does not exceed the maximum trip duration you selected. You will need to return home after each trip for coverage to apply.

You can take an unlimited number of trips up to the maximum duration you select when purchasing your AMT Travel Insurance Policy, provided you are at least 250 kilometres from your home or – if the distance is less than 250 kilometres – your trip includes at least one night of paid accommodation with an accommodation supplier or provider. For cover to apply, you need to ensure each individual trip is not longer than the maximum trip duration selected and each trip is also covered by the destinations you selected when finalising your plan.

If you have already bought your AMT Policy and want to increase your selected trip duration, call us on 1300 72 88 22 to arrange this. You may be able to increase the maximum trip duration on your policy or alternatively you could take out a separate Single Trip Policy to insure that specific trip.

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 within the destination region of cover you chose, you are protected by your AMT.

If your journey is less than 250 kilometres from home, your trip is covered by your policy if it includes at least one night of paid accommodation that is booked with an accommodation supplier or provider (such as a hotel, Bed & Breakfast, serviced apartment or peer-to-peer service such as Airbnb).

If you’re over 250 kilometres from home, you trip is covered by your policy.

Still have some lingering questions? No problem! Our Annual Multi-Trip FAQs page should help answer any additional questions you may have.

Get a quote

Now is the time to find out how affordable covering your trips throughout the year can be. You can 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 Plans, talk to us on Live Chat or give us a call on 1300 72 88 22.


*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.
^Cover chosen applies per policy.