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      Annual Multi-Trip Travel Insurance FAQs

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      Answers to your questions about our Cover-More annual travel insurance

      If you’re someone who travels multiple times a year, an Annual Multi-Trip (AMT) policy my be ideal for you. Instead of having to purchase a Single Trip policy every time you jet off, an AMT polices protects you for multiple trips within 12 months up to the maximum journey duration of your choice. This means you may not have to take out a new plan each time you travel, helping to ease travel planning stress.

      For general information about our Cover-More annual travel insurance and why it’s important, visit our Annual Multi-Trip page.

      For all your questions specific to our policies, read our Cover-More multi-trip FAQs below.

      Skip ahead to read:

      What is Cover-More's Annual Multi-Trip (AMT) policy?

      Our Cover-More Annual Multi-Trip policy provides multi-trip travel insurance over a 12-month period, which saves you the hassle of taking out a new policy every time you travel. You’ll have cover for an unlimited number of journeys throughout the year, up to the trip duration you select when purchasing your AMT.

      We currently have 30-, 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’re a frequent traveller who takes multiple trips a year, you may find our AMT policy is an affordable solution for protecting your travels.

      Should I buy Cover-More's Annual Multi-Trip policy if I am going overseas for 12 Months?

      No. Our AMT policies do not cover one continuous trip over 12 months.

      For cover of one continuous trip, we recommend you investigate purchasing one of our Cover-More Single Trip policies. A Single Trip policy can offer coverage for up to 12 months (depending on your destination) and is valid for the whole time you’re overseas.

      Our AMT policies will protect the individual trips you take throughout the year if each journey does not exceed the maximum trip duration you select. You will need to return home after each trip for coverage to apply.

      How do I buy a Cover-More Annual Multi-Trip policy?

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

      1. Enter 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 options to vary your cover – such as Adventure Activities or Snow Sports Cover – for an additional premium.
      7. Tell us if any trip will be a multi-night cruise. (If yes, the required Cruise Cover will be added. An additional premium applies.)
      8. Continue down the page to fill in the rest of your details.
      9. Declare any existing medical conditions.
      10. 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 on my Cover-More Annual Multi-Trip policy?

      You can take an unlimited number of journeys using your Cover-More multi-trip travel insurance, provided you are at least 250 kilometres 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 if I’m covered by a Cover-More Annual Multi-Trip policy?

      On our international AMT plans, you can choose a maximum trip duration of either 30, 45, or 60 days.

      If you’re travelling frequently in Australia, our domestic AMT plans are more suitable option for you; you can select a maximum trip duration of either 15 or 30 days for domestic trips.

      Each separate trip you take using a Cover-More 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 Cover-More Annual Multi-Trip plan?

      If you’ve 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 policy?

      No. You do not have to inform us every time you go on a trip. If 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 by Cover-More's Annual Multi-Trip plan?

      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 the excess for a Cover-More Annual Multi-Trip policy?

      We give you the option to select the excess amount that works best for your budget if you’re travelling on an international AMT plan: you can choose an excess amount of $0, $100 or $250.

      If you’re purchasing a domestic AMT policy, a set $50 excess applies.

      Remember: 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.

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

      If you do not have your travel plans finalised for the year ahead, then you may want to consider selecting "Anywhere in the world" as your destination. This gives you the freedom to travel somewhere you hadn’t intended to visit under your policy.

      Can I change my Cover-More Annual Multi-Trip policy after I’ve bought it?

      This depends on what you want to change and when. Give us a call on 1300 72 88 22 to discuss as we can only arrange upgrades such as adding cancellation cover, or increasing the maximum trip duration.

      We are not able to downgrade your AMT policy for changes such as reducing your area of travel.

      Does an "Anywhere in the world" Cover-More Annual Multi-Trip policy include 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.

      Please note the overseas medical and dental expenses benefit is not applicable for domestic trips.

      Can I buy a Cover-More Basic Plan with Annual Multi-Trip coverage?

      No. Our Cover-More Multi-Trip coverage is only available on our Comprehensive+ and Comprehensive Plans.

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

      Yes. You will need to pay the full premium for your AMT policy upfront. We do not accept partial payments.

      Remember the coverage for some policy benefits – like cancellation cover – start as soon as you purchase your travel insurance.

      Is there an age limit for buying Cover-More's Annual Multi-Trip travel insurance?

      No. We allow travellers of any age to buy an international AMT policy.

      What happens if I develop a medical condition after I have purchased a Cover-More Annual Multi-Trip policy?

      If you develop a new medical condition during the 12-month period of your Cover-More multi-trip cover, it’s important to let us know by speaking to our team at 1300 72 88 22.

      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 policy is in place, it will be considered an existing medical condition for any trips you book in future after you became aware of the condition. Please see the PDS for information on how to get cover for your existing medical condition.

      Where the condition arose after the policy was issued or 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.)

      When does my Cover-More Annual Multi-Trip cover start?

      Good news: coverage under the amendment or cancellation costs benefit begins from the time you purchase your Cover-More multi-trip 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 to my Cover-More Annual Multi-Trip policy, is that coverage amount for the policy period or per trip?

      The cancellation cover you select for your AMT policy 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 Cover-More Annual Multi-Trip policy, can I get a refund of the premium I paid?

      You may cancel your AMT policy and receive a full refund if you let us know within the Cover-More cooling-off period, which is within 21 days from 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 Cover-More Annual Multi-Trip policy?

      Outside the 21-day cooling-off period, you can still cancel your policy. We will refund to you a proportion of the premium for the unexpired period of cover (less any non-refundable government charges and taxes that we have paid and are not recoverable).

      You are not entitled to a refund if you have started your journey, you want to make a claim, or exercise any other right under your cover.

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

      The maximum number of people you can have on an AMT policy 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 Cover-More policy, do they have to travel together?

      Adults can travel independently of each other, but any accompanied children on the policy need to always travel with a listed adult.

      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 Cover-More Annual Multi-Trip policy after I buy it?

      If your travel start date passed, we cannot add another traveller to your AMT policy. If your travel start date has not yet passed, then you can contact us 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.


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      Find out how we can help protect your year of travels today.