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Single Trip Annual Multi Trip
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    2025
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    2025
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    Medical Condition

    A pre-existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • taking medication, chronic, displaying symptoms, under investigation, pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; metastatic or terminal
    To include a medical condition you will need to complete a medical screening 
    1. Entering your trip details (Age, Destination and Travel Dates) to get a quote.
    2. Compare quotes and view PDS and then click on the "Continue" button. 
    3. You can add 'Snow Sports' or 'Mountaineering" if required on this page or you can just click 'Select' if these add-ons aren't required. 
    4. On the following page you can complete a medical screening to determine if you can receive cover for your pre-existing medical conditions.

    Snow Sports

    Snow Sports is available as an optional extra on all international policies.

    To add on Snow Sports Cover or Off-Piste Snow Sports cover please get a travel insurance quote, compare quotes and PDS and then click on 'Continue Button'.

    On the following page you can;

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.

    Cruise

    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Activities

    Travel Insurance Saver cover over 120 activities. Find out more information regarding activities that may be covered while you are travelling overseas. Further information regarding activities such as hiking, golfing, canoeing, hot air ballooning please click through to the Activities Page - Travel Insurance. Terms and conditions apply, please refer to the Product Disclosure Statement before deciding.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or you forgot to buy travel insurance and need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia.

    You must include all overseas destinations that you will be travelling to and your current overseas location. 

    There is a 48 hour waiting period, before benefits apply for all policies purchased when you are already overseas. Click here to find out more

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 31, 45, 62 & 91 days in duration based on the plan you select. This duration is between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 100km from your home in Australia, and 
    Designed for people who are travelling internationally and may also be travelling domestically. 

    Children & Under 18's

    Cover is extended to include your children or grandchildren not in full-time employment who are under the age of 18 and are travelling with you for the entire duration of your journey. It is a condition of cover that any accompanying children are noted on your Certificate of Insurance.

    Child/Children must be the children or grandchildren of an adult traveller that is on the same policy.

    If there is a child under 18 that is not a child or grandchild of an adult traveller (over 18) on the policy please get a separate quote to apply travel insurance correctly.

    Coronavirus - Medical

    Medical cover is included on all international policies for Corona Virus. If you need to be treated for coronavirus while travelling with will be included under Overseas Medical Expenses & Assistance.

    Cruise

    Cruising is covered as standard on all international policies. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination.

    If you are cruising within Australia please select ‘Australia – Cruises’, selecting just ‘Australia’ does not cover cruising. 
    The destination 'Australia - Cruise' is classifed as the South Pacific inc New Zealand region. 

    Covid-19 Medical is automatically included under "Overseas Emergency Medical Expenses".

    Find out more about Cruise Travel Insurance.

    Motorcycle / Scooter

    Motorcycles

    As the rider, you must have a current Australian motorcycle licence and comply with local road laws. There are no cc limits that apply.


    Scooters/Moped

    You must have a current Australian motorcycle licence or Australian drivers licence to ride a scooter/moped (step through scooter's only) overseas.  


    You must be wearing a helmet on Scooters and Motorcycles.


    Passenger

    If you are a passenger travelling on a motorcycle, moped or scooter, the person in the control must hold a current motorcycle licence valid for the country you are travelling in. 


    Click on the link to find out more about Motorcycle Travel Insurance. 

    One Way

    Policies are available for one-way travel insurance overseas;

    • Where there is no intention to return to Australia 
    • You don't hold a return ticket 
    • If you are already overseas and want to return back to Australia - There is a 48 hour waiting period, before benefits apply for all policies purchased overseas. You must be returning back to Australia. 

    Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.

    Find out more about one way travel insurance. 

    Regions and Stopovers

    Please include all destinations that you will be travelling to. The region will be based on the destination you have entered. You can extend and update your policy if your plans change by logging in before your policy expires to amend your policy.

    We have 5 regions 

    • Worldwide 
    • Worldwide excluding USA, Canada and Antarctica. 
    • Asia
    • South Pacific incl New Zealand and Australia - Cruise. 
    • Australia
    We cover all destination in that specific region, excluding any 'Do Not Travel' or 'Sanctioned' countries. 
     
    Stopovers
    We cover up to 48 hours for stopovers on the way or way back from your destination. 

    Schools & Groups

    If you’re in need of travel insurance for a group, then Travel Insurance Saver may be able to provide group travel insurance or school group travel insurance.

    Please click on School Group Travel Insurance to apply for an instant quote.

    Or Please click on Group Travel Insurance for more information.

    Annual Multi Trip

    Annual Travel Insurance

    Annual Multi-Trip Travel Insurance: Your Ticket to Travel Frequently

    Annual Travel InsurancePlanning multiple international trips this year?

    Annual Multi-Trip travel insurance offers comprehensive coverage for frequent travellers, ensuring you're protected on all your adventures. At Travel Insurance Saver, we offer a range of Annual Multi-Trip travel insurance policies that can be tailored to your specific needs and travel plans.  

    How does Annual Multi-Trip Travel Insurance work?

    Our Annual Multi-Trip policies provide coverage for an entire year, starting as early as three months before your first trip. This means you can be covered for trip cancellation well in advance. You can choose the duration of each trip, with options for 31, 45, 62, or 93 days (45 days if you are 81 years or older).  
     

    Types of Annual Multi-Trip Travel Insurance

    We offer different levels of coverage to suit your needs and budget:
    • Comprehensive Annual Multi-Trip Travel Insurance: This option provides the most extensive coverage, including medical expenses, trip cancellation, baggage protection, and more.  

    • Annual Multi-Trip Medical Only: If your primary concern is medical coverage while abroad, this option covers emergency medical and dental expenses, medical evacuation, and repatriation.  

    • Annual Multi-Trip Essentials: This option offers a balance of coverage, including essential benefits such as medical expenses, lost baggage, and travel delays.  

    Benefits of Annual Multi-Trip Travel Insurance

    • Trip Cancellation, Curtailment, and Lost Deposits: If your trip is unexpectedly canceled or cut short due to covered reasons like illness, injury, or jury duty, you can be reimbursed for non-refundable expenses.  

    • Medical Expenses and Assistance: Covers emergency medical and dental treatment abroad, as well as additional travel costs incurred due to medical necessity.  

    • Baggage and Personal Effects: Provides coverage for lost, stolen, or damaged baggage and personal belongings, so you can travel with peace of mind knowing your valuables are protected.  

    • Travel Delay: If your flight or other public transport is significantly delayed, you may be eligible for compensation to cover additional expenses.  
    Annual Travel Insurance

    Additional Benefits

    • Rental Vehicle Excess: Provides coverage for excess charges on rental vehicle agreements, protecting you from unexpected costs.  

    • Personal Liability: Covers legal liability for accidental injury or damage to property caused to others while traveling.  

    • Loss of Income: Offers coverage for loss of income due to specific covered events, providing financial support during unexpected circumstances.  

    Snow Sports Coverage

    All our Annual Multi-Trip policies include 23 days of on-piste snow sports cover automatically. For off-piste or backcountry skiing and snowboarding, you can add optional extra coverage.  
     
    Travel Insurance Quote 

    Domestic Travel Coverage

    Your Annual Multi-Trip policy also covers domestic trips within Australia, provided they are at least 100km from your residence.  
     

    Cruise Travel Cover

    For frequent cruisers, we offer optional cruise cover that can be added to your Annual Multi-Trip policy. This may provide specialised coverage for medical emergencies at sea, cabin confinement, missed ports, and prepaid shore excursion cancellations. 

    Annual Multi-Trip Travel Insurance FAQ


    Read our AMT FAQ where we answer some commonly asked questions in relation to Annual Multi-Trip travel insurance.

    1. What is frequent traveller insurance in Australia? Frequent traveller insurance in Australia is designed for those taking multiple trips within a year. It offers comprehensive coverage for medical emergencies, trip cancellations, baggage issues, and other travel disruptions, ensuring you're protected throughout the year.

    2. What does international travel insurance cover in Australia? International travel insurance in Australia covers a range of unforeseen events that may occur during your overseas trips. This includes medical emergencies, trip cancellations or interruptions, lost or stolen baggage, and travel delays, providing financial protection and peace of mind.

     3. What is a multi-trip travel insurance policy in Australia?     A multi-trip travel insurance policy in Australia covers you for multiple international trips within a 12-month period. It's a convenient and cost-effective option for frequent travellers, eliminating the need to purchase separate policies for each trip.

     4. What is overseas travel insurance in Australia?     Overseas travel insurance in Australia is specifically designed to protect you from unexpected events during your travels outside of Australia. It covers medical emergencies, trip cancellations, baggage issues, and other travel-related problems, ensuring you have financial support and assistance while abroad.

     5. What is travel insurance for multiple trips in Australia?     Travel insurance for multiple trips in Australia, also known as annual multi-trip insurance, covers you for an unlimited number of trips within a year. It's a convenient option for frequent travellers, offering comprehensive coverage and peace of mind throughout the year.

     6. What is yearly travel insurance in Australia?     Yearly travel insurance in Australia, also known as annual multi-trip insurance, provides coverage for a full year, starting as early as three months before your first trip. It allows you to travel with confidence, knowing you're protected for any unforeseen events throughout the year.

     7. What is annual multi-trip travel insurance for Australians over 70?     Annual multi-trip travel insurance for Australians over 70 is designed to meet the specific needs of older travellers. It typically includes coverage for pre-existing medical conditions and higher medical expense limits, ensuring you have adequate protection while traveling.

     8. What is annual multi-trip travel insurance with pre-existing conditions coverage for Australians?     Annual multi-trip travel insurance with pre-existing conditions coverage protects you if a medical condition you had before your trip flares up while you're traveling. It's important to disclose your medical history when purchasing this type of insurance to ensure you have the right level of coverage.

     9. What is annual multi-trip travel insurance with cruise cover for Australians?     Annual multi-trip travel insurance with cruise cover provides specialized protection for cruise travellers. It covers medical emergencies at sea, missed ports, cabin confinement, and prepaid shore excursion cancellations, ensuring you have comprehensive coverage throughout your cruise.

     10. What is annual multi-trip travel insurance with snow sports cover for Australians?     Annual multi-trip travel insurance with snow sports cover protects you during your skiing or snowboarding adventures. It covers medical expenses, equipment damage or theft, and piste closure, allowing you to enjoy your time on the slopes with peace of mind.

     11. What is the best annual multi-trip travel insurance for Australians for long trips?     The best annual multi-trip travel insurance for Australians for long trips offers extended coverage for trips of longer duration. Travel Insurance Saver offers Annual Multi-Trip cover for 31, 45, 62, 93 days at a time (31 and 45 days are available for travellers aged 81 or older).

     12. What is cheap annual multi-trip travel insurance for Australians under 30?     Cheap annual multi-trip travel insurance for Australians under 30 may be available online depending on your trip requirements. Medical Only Annual Multi-Trip provides cover for Emergency Medical.

     13. How can I compare annual multi-trip travel insurance options for Australians?     You can compare annual multi-trip travel insurance options for Australians by using the quote panel. AMT options include Medical Only, Essentials and Comprehensive. Consider factors such as coverage limits, benefits, exclusions, and premium costs to find the best policy for your needs.

     14. How can I buy annual multi-trip travel insurance for Australians online?     You can buy an Annual Multi-Trip policy by getting a quote from us and selecting the Annual Multi-Trip option.

     15. What is the best annual multi-trip travel insurance for Australians?     The best annual multi-trip travel insurance for Australians depends on your individual needs and travel plans. Consider factors such as your age, health conditions, travel destinations, and activities to choose the policy that provides the most suitable coverage.

    Important Note about Annual Multi Trip Travel Insurance:

    The information provided here is a summary. Please refer to the Product Disclosure Statement (PDS) for complete details of coverage, exclusions, and conditions.

    Contact Us

    Have questions about Annual Multi-Trip travel insurance? Our team is here to help! Call us or contact us online for personalized assistance.  

    Get a Quote Today!

    Ready to secure comprehensive travel insurance for your next adventure? Get a quote for Annual Multi-Trip travel insurance now and travel with confidence!

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing a travel insurance policy.   

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    Awards

    Multiple award winning travel insurance company

    Travel Insurance Saver Awarded Australia's Best Travel Insurance 2025
    Awarded Exceptional Value Comprehensive Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Cruise Travel Insurance 2025
    Travel Insurance Saver Awarded Exceptional Value Annual Multi Trip Travel Insurance 2025
    Pat CarnegieNov 10, 2023

    I am nearly 89. Many companies won’t give me a quote as they reckon that I am too old. Those that do quote want a large excess for cover on a cruise and have a complicated medical assessment. Travel Insurance Saver sold me an Annual International Policy at a reasonable price. Their website is clearly designed and easy to use.

    Chris RichardsApr 11, 2023

    I had a good look around and found this Travel Insurance Saver policy was just right for my travel needs with a very competitive premium. Other insurers loaded a hefty " cruise component", which is counter-intuitive considering trains, planes and cars/ coaches are much more susceptible to problems than the now stringently applied systems on cruise ships. Highly recommend.!

    Paul BOct 28, 2022

    My research found that Travel Insurance Saver provide the best value for money Multi Trip annual travel insurance that also includes Covid 19 cover. Thoroughly recommend you check them out. Very easy to book online.

    Disclaimer 

    Travel Insurance Saver Travel Insurance is arranged by Insurance Saver Pty Ltd, ABN 18 624 919 366, AR no: 001263726 and is issued by Chase Underwriting Solutions Pty Ltd ABN 50 156 554 808 (AFSL No. 454344), one of Australia's leading insurance specialists. Chase Underwriting Solutions Pty Ltd is authorised by ASIC to issue, deal in and provide general advice on general insurance products. Chase Underwriting Solutions Pty Ltd issues certificates under a binding authority granted by Lloyd's.

    General Advice Warning - The information contained in this website is correct at the time of publishing. The website and any advice given is of a general nature and does not take into account your objectives, financial situation or needs. If you are considering acquiring our travel insurance, you should obtain the Product Disclosure Statement (PDS) and Target Market Determination relating to the product and consider this before making any decision.

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