Annual Multi-Trip Travel Insurance FAQs

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 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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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. 

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.

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, finanically dependent on you and not in full-time employment.  

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.