Overseas emergency medical & hospital
Unlimited
Up to 12 months of treatment for any one event.
Annual Multi Trip
One policy. A year of travel.
Cover for people taking two or more trips a year — buy once, then travel through the next twelve months without arranging insurance every time.
What an annual policy actually is
Twelve months of cover
Your policy runs for 12 months from the start date you choose.
Unlimited trips inside it
Take as many trips as you like across that year — there's no cap on how many.
A maximum length per trip
Each individual trip is capped at a maximum duration you choose when you buy.
What counts as a trip? A journey more than 250km from your home, or one that involves at least one night of paid accommodation.
Who this suits
It's a good fit if…
- You take two or more trips a year, so buying cover each time gets repetitive.
- Your year is a mix of domestic and overseas travel.
- You visit the grandchildren interstate a few times, plus one holiday overseas.
- You're a snowbird — a run of trips north through the cooler months.
It isn't the right choice if…
- You take one trip a year. A single-trip policy is the simpler choice.
- You're 70 or over. Annual multi-trip cover has an upper age limit of 69 at purchase.
Before you start
Who can buy an annual policy
- You're 18 or over.
- You're 69 or under on the day you buy the policy.
- You're an Australian resident holding a Medicare card, or an Australian citizen, permanent resident or New Zealand passport holder with unrestricted entry to Australia and access to long-term medical care.
- You're in Australia and not already travelling when you buy.
If you're 70 or over, annual multi-trip cover isn't available to you — please choose single-trip cover instead. There's no upper age limit stated here for single trips, and our team can talk it through with you.
What's covered
These limits come from the Annual Multi Trip PDS schedule of benefits, and every one of them applies per person — not shared across the policy.
Funeral expenses abroad
$20,000
Hospital benefit
$50 a day, to $5,000
Airfare reimbursement
$2,500
Cancellation & trip interruption
As selected, to $10,000
Travel delay
$50 per 6 hours, to $2,000
Personal accident
$25,000
Personal liability
$2,500,000
Luggage & personal effects
As selected, to $5,000
$2,000 limit for any single item.
Rental vehicle excess
$4,000
Limits, sub-limits, conditions and exclusions all apply. Read the Annual Multi Trip PDS before you buy.
When an annual policy is worth it
The question is simply how often you travel. Set what a year of your travel actually looks like against how you'd cover it.
Three or four single-trip policies
- A separate quote, application and payment before every trip.
- Cover shaped to each trip's dates and destinations.
- Nothing in place if a last-minute trip comes up.
- Available whatever your age.
One annual policy
- Arranged once, then covered for the next twelve months.
- Unlimited trips, each within your chosen maximum duration.
- A spur-of-the-moment trip is already covered.
- Available to age 69 at purchase.
We can't show you an annual price on this page yet — when annual quoting goes live you'll be able to compare the two side by side before deciding.
How the premium is set
Your age
Age at the date you buy the policy, for each person on it.
Your maximum trip duration
The longest any single trip in the year can run. A shorter cap costs less than a longer one.
The benefit levels you choose
Cancellation and luggage are chosen at purchase, and the levels you select shape the premium.
Annual cover questions
Ready to get your annual price?
Start your annual multi-trip quote — it takes about a minute.
Travel at 60 Annual Multi Trip Insurance is underwritten by Pacific International Insurance Pty Ltd (ABN 83 169 311 193), issued by Butter Insurance Pty Ltd and administered by battleface Insurance Services Pty Ltd (ABN 28 650 606 045, AFSL 536280). Consider the Annual Multi Trip Product Disclosure Statement to decide whether this cover is right for you.