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Annual Multi-Trip Travel Insurance FAQs

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If you are someone who travels multiple times a year, then an Annual Multi-Trip (AMT) Policy may be ideal for you. Instead of having to purchase a Single Trip Plan every time you jet off, consider an AMT so you are protected for 12 months up to the journey duration of your choice. This means you may not have to take out a new plan each time you travel. Check out our Annual Multi-Trip travel insurance page for useful tips and information.

What is an Annual Multi-Trip (AMT) Policy?

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. You are covered for an unlimited number of journeys throughout the year, up to the trip duration you select when purchasing your AMT. (We currently have 20-, 45-, and 60-day trip durations for International AMT policyholders, and 15- and 30-day trip durations for Domestic AMT policyholders.) This means an AMT is not 12 months/365 days of continuous cover. 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.

If I am going overseas for 12 months, should I buy an Annual Multi-Trip Policy?

No. We recommend you look into purchasing a Single Trip Policy if you do not intend on returning home after each individual trip. A Single Trip Policy can offer coverage for up to 12 to 18 months (depending on your destination) 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 journey does not exceed the maximum trip duration you selected. You will need to return home after each trip for coverage to apply.

How do I buy an Annual Multi-Trip Plan?

You can buy an AMT through our website or by calling us on 1300 72 88 22. To get a quote online:

  1. Enter in the area of travel you want cover for in the quote box.
  2. Select the dates of your first trip.
  3. Enter in the ages of travellers.
  4. Click ‘Get Quote’ to go to the next page.
  5. Then click on the ‘See Annual Multi-Trip Plans’ tab in the top right-hand corner of the screen; this will display the price for an AMT.
  6. Include any optional cover within your policy – such as Cruise Cover or Winter Sports Cover – for an additional premium.
  7. Continue down the page to fill in the rest of your details
  8. Declare any existing medical conditions.
  9. Finalise your purchase.

If you would like more information on how to purchase an AMT, check out our Annual Multi-Trip insurance page.

How many trips can I take using my Annual Multi-Trip Policy?

You can take an unlimited number of journeys using your AMT travel insurance, provided you are at least 250km from your home or – if the distance from your home is less than this – your trip includes one or more nights of paid accommodation with an accommodation supplier (i.e. hotel) or provider (i.e. Airbnb). For cover to apply, you need to ensure each individual trip is no longer than the maximum trip duration you selected when finalising your plan.

How long can each of my trips be?

For an International AMT Policy, you can choose a maximum trip duration of either 30, 45 or 60 days. If you are interested in a Domestic AMT, then you can select a maximum trip duration of either 15 or 30 days. Each separate trip you take using an AMT policy cannot exceed the duration you have selected.

What if I want to go on a trip longer than the time specified on my Annual Multi-Trip 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.

Do I need to tell Cover-More about each trip I take using my Annual Multi-Trip coverage?

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.

How far do I need to be from home to be covered?

If your journey is 250 kilometres or more from your home, you’ll be automatically covered by your policy.

If your journey is less than 250 kilometres from your home, your trip is 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).

What is my excess for an Annual Multi-Trip Plan?

We have given you the option to select the excess amount that works best for your budget! For international AMT policies, you can choose an excess amount of $0, $100 or $250. If you are purchasing a domestic AMT, a set $50 excess applies. Remember that the higher the excess, the lower the premium. Excess is the first part of a claim we will not pay and it is applied to each claimable event.

If I am unsure where I will be travelling throughout the year, what do I list as my destination?

If you do not have your travel plans for the year finalised, then you may want to consider selecting ‘Anywhere in the world’ as your destination. You are then protected if you visit a country you had not intended to when you purchased your AMT. Alternatively, you can select the region you think you will be travelling to, and we can look at upgrading your policy to a larger area of travel later on if necessary.

Can I change my Annual Multi-Trip Policy after I’ve bought it?

This depends on what you want to change. Give us a call on 1300 72 88 22 to discuss. We can only arrange upgrades such as adding cancellation cover, upgrading the area of travel or increasing the maximum trip duration. However, we are not able to downgrade your AMT Policy for things like reducing your area of travel.

Does an Annual Multi-Trip Plan with the region as ‘Anywhere in the World’ cover domestic travel within Australia?

Yes, an International AMT Policy with the region ‘Anywhere in the World’ will include cover for domestic trips provided they are more than 250 kilometres from your home or include at least one night of paid accommodation if less than 250 kilometres from home. The Overseas Medical and Dental Expenses benefit is not applicable for domestic trips.

Can I buy Medical Only Annual Multi-Trip coverage?

No. We only offer Premium AMT Plans for our customers. That just means more policy benefits for you to enjoy.

Do I have to pay the total amount for my Annual Multi-Trip Plan upfront?

Yes. You will need to pay the full premium for your AMT Plan upfront. We do not accept partial payments. Remember that coverage for some policy benefits, like cancellation cover, start as soon as you purchase your travel insurance.

Is there an age limit for buying Annual Multi-Trip Travel Insurance?

Yes. You must be under 74 years of age to buy an international AMT. For Domestic AMT policies, you can purchase a plan up to 99 years of age.

What happens if I develop a medical condition after I have purchased an Annual Multi-Trip Policy?

We look at the relevant time to determine whether your condition is a new medical 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.

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

When does my Annual Multi-Trip cover start?

Good news! Coverage under the Amendment or Cancellation Costs benefit begins from the time you purchase your AMT Policy. The departure date for your first trip selected on the policy is when full coverage begins (i.e. when you can travel), so coverage will not end until 12 months from that departure date.

If I add cancellation cover, is that coverage amount for the policy or per trip?

The cancellation cover you select for your AMT is the amount of cover available for each trip. Each journey on an AMT is treated like its own individual policy in the sense that benefits under each section of your AMT are automatically reinstated after each trip.

If I want to cancel my Annual Multi-Trip Policy, can I get a refund of the premium I paid?

You may cancel your AMT and receive a full refund if you let us know within the cooling-off period, which is within 21 days of the date of purchase. We will give you your money back provided you do not intend to make a claim under the policy, have not departed on your journey and have informed us within the cooling-off period.

If I only travel once during the 12-month period, can I get a partial refund for my Annual Multi-Trip Policy?

No, you will not be able to get a refund for your AMT Plan outside of our cooling-off period. If you only travel once while covered by your AMT, your policy has been used and we have accepted the risk to insure you in line with our PDS. Therefore, no refund is available. 

Are there limits on the number of people I can have on my Annual Multi-Trip Plan?

The maximum number of people you can have on an AMT is 2 adults and 4 accompanied children. Accompanied children means your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the Journey. This is provided they are not in full-time employment, they are financially dependent on you and they are under the age of 21 years.

If there are multiple travellers listed on the policy, do they have to travel together?

Adults can travel independently of each other, but any accompanied children on the policy need to be travelling with a listed adult at all times. Accompanied children are defined as your children or grandchildren who are listed on the travel insurance plan. They must be under 21 years of age, financially dependent on you and not in full-time employment.  

Can I add someone to my Annual Multi-Trip after I have bought it?

If your policy has already started, we cannot add another traveller to your AMT. If the policy has not yet begun, then you can contact us or your travel agent to request an upgrade to add another traveller.


Feel free to get in touch with us by calling 1300 72 88 22 if you have any questions about our Annual Multi-Trip policies. You can also talk to us through the Live Chat feature on our website or by messaging our Facebook page.

Ready to book your Annual Multi-Trip travel insurance? Get a quote today!