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Multi-Trip Travel Insurance

A 12-month Multi-Trip Plan designed for those who travel often

What is Allianz Multi‑Trip Travel Insurance?

If you travel frequently, chances are you’d prefer not to take out travel insurance for each individual trip. That's where our Multi-Trip Travel Insurance comes in. Multi-Trip is a 12-month plan that offers all the benefits of our Comprehensive or Domestic covers for multiple trips within Australia and overseas1. Our Multi-Trip Plan is available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued.

You pay one premium for all return trips from Australia that you make in a 12-month period. Simply choose each trip destination as well as the trip duration that will cover your longest journey: 15, 30 or 45 days. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

COVID-19 benefits
We offer travel insurance options that include COVID-19 benefits for things like trip cancellation and overseas medical and hospital expenses if you contract COVID‑192 during the period of cover.
Learn more

What our Multi-Trip Travel Insurance offers

Whether you’re travelling overseas, just in Australia, or both, find out what features and benefits we offer under our Multi-Trip Travel Insurance is designed to cover before getting a quote. 
This is a limited summary of some of our Multi-Trip Travel Insurance covers only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

  • Overseas Emergency Assistance1,3
    Allianz Global Assistance is available to help you with any overseas medical emergency. You can contact Allianz Global Assistance 24 hours a day, seven days a week.
  • Overseas Medical & Hospital Expenses1,3
    If you’re injured or become sick while overseas, we’ll reimburse the reasonable medical or hospital expenses you incur until you return to Australia, provided the relevant injury or sickness is covered by your policy.
  • Personal Liability1,4
    If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:
  • The compensation (including legal costs) awarded against you
  • Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Global Assistance before incurring these costs
  • Funeral Expenses3
    If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition we have agreed in writing to cover, during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we'll pay under the Funeral Expenses benefit is the benefit limit for the plan you've selected.
  • Accidental Death1
    If, during the period of cover for your journey:
  • a) you’re injured and due to that injury you die within 12 months of it occurring; or
  • b) something you’re travelling on or in disappears, sinks or crashes and your body isn’t found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate.

  • Permanent Disability1,3,4
    If you’re injured during the period of cover for your journey, and
  • a) due to that injury, you suffer permanent disability within 12 months of the injury occurring; and
  • b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement;

we’ll pay the benefit limit payable under the Permanent Disability benefit to you.

  • Cancellation1
    If during the period of cover, your journey is cancelled, rescheduled or shortened because of circumstances that weren’t expected or intended by you and are outside your control, we’ll reimburse you:
  • The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
  • For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

You can choose different levels of cover when you buy your policy.

  • Additional Expenses1
    We’ll reimburse reasonable additional accommodation and travel expenses if you or your travel companion can’t continue your journey, need to return to Australia, or your journey is otherwise disrupted due to any of the events described under the Additional Expenses section in the PDS.
  • Travel Delay Expenses1,3
    If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses.  
  • Alternative Transport Expenses1,3
    If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover – and that means you wouldn’t arrive on time to one of the events listed in the Alternative Transport Expenses section of the PDS which, before you left Australia, you’d planned to attend or utilise while you were overseas – we’ll pay your reasonable additional travel expenses to enable you to arrive on time.
  • Luggage, Personal Effects & Valuables1
    Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the PDS for the exceptions to this cover.
  • Luggage & Personal Effects Delay Expenses1
    If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.
  • Travel Documents, Transaction Cards & Travellers Cheques1,3
    If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or traveller's cheques are lost, stolen or destroyed, we’ll reimburse you:
  • the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or
  • any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.
  • Theft of Cash1
    If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the PDS. 
  • Rental Vehicle Excess1
    If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)1:
  • the amount specified that you’re liable to pay under the rental vehicle agreement, or
  • the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

  • you hire a rental vehicle from a rental company or agency;
  • you’re a nominated driver on the rental vehicle agreement; and
  • the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
Optional Extras

For an additional premium, you may be eligible to add one or more of the following option covers to your Multi-Trip plan. These are summaries only.
  • Adventure Pack1,4
    This optional pack is designed to cover a range of more adventurous sports and activities not automatically covered in your policy. For a list of what sports and activities are covered, refer to the activities listed in the PDS. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
  • Snow Pack1,4,5,6
    If you’re heading to the snow, this pack is designed to provide cover for you to take part in snow sport activities. Refer to the PDS for a definition of ‘Snow sport activities’ (Our Definitions) and full details of what the Snow Pack covers. You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack. 
  • Own Snow Sport Equipment cover if your snow sport equipment is stolen, accidently damaged, lost or delayed
  • Snow Sport Equipment Hire
  • Snow Sport Pack – to cover non-refundable unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes if you’re injured or become sick during your trip
  • Piste Closure
  • Bad Weather and Avalanche
  • Cruise Pack1,5,6
    This optional pack is designed to provide cover for you to take part in sea and ocean cruising.  Refer to the PDS for a definition of ‘Cruise or Cruising’ and full details of what the Cruise Pack covers.
  • Medical cover while cruising
  • Evacuation cover – Ship to Shore
  • Cabin Confinement 
  • Pre-paid Shore Excursion Cancellations 
  • Formal Cruise Attire Lost or Damaged 
  • Formal Attire Delayed
  • Marine Rescue Diversion
  • Increased Items Limits cover1,7
    You can choose a higher item limit for the loss or theft of, or accidental damage to, your luggage and personal effects by buying Increased Items Limits cover, additional to the plan type you choose. You can view the standard items limits cover for luggage and personal effects in the PDS. If you're planning on taking higher value items with you, such as camera equipment, you may want to consider covering them for a higher value.
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Why choose us?

Thousands of satisfied customers

We value what our customers have to say about their experience with us

Network of medical experts

We have around 150 Registered Nurses and Doctors available worldwide

Emergency assistance available

Our Australian-based case managers can help provide the support you need – 24 hours a day, 365 days a year

We’re an established insurer

Join over 4 million customers who choose Allianz Australia

Pre-existing medical conditions

You can apply to include cover under your policy for your pre-existing medical conditions at the time of buying your policy. You’ll need to complete our medical assessment which can be done online or by calling us on 13 1000.

If you’re pregnant at the time of buying your policy, your pregnancy is considered to be a pre-existing medical condition. Make sure you read the Travel During Pregnancy section in the PDS. This section has important information about this product’s cover for pregnancy, and when you need to apply to cover a pre-existing medical condition.

Depending on your pre-existing medical condition(s), we may not be able to cover any medical or hospital expenses, or any other losses or expenses arising from, related to or associated with any injury, illness or sickness suffered by you. 

Additional options

For an additional premium, you may be eligible to add one or more of the following optional covers to provide additional cover for certain activities. For full terms, conditions, limits and exclusions read the PDS.

Snow Pack and Adventure Pack are only available for those aged under 75 at the time of issue of your Certificate of Insurance.

This is a limited summary of our additional options only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

Adventure Pack4,6

If you’re a little more adventurous, the Adventure Pack is designed to cover a wide range of sports and activities not automatically covered in your standard policy.
  • Cover for 19 more adventurous activities

Snow Pack4,5,6

If you’re heading to the snow, the Snow Pack is designed to cover you to take part in snow sport activities.
  • Lost, accidentally damaged or stolen snow sport equipment
  • Cover for piste closure
  • Bad weather and avalanche cover

Cruise Pack5,6

If you’re taking a cruise, the Cruise Pack is designed to cover you to take part in sea and ocean cruising. 

Increased item limits1,7

If you're planning on taking higher value items with you, you can increase the item limit for these items by adding Increased Item Limits cover to your plan. Your item may be covered for a higher value if it’s stolen, lost or damaged. 

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Frequently asked questions

You may consider buying Multi-Trip Travel Insurance if you travel often and find it more convenient to buy a policy that covers multiple trips over a 12-month period instead of buying a travel insurance policy for each trip.

Note: If you take a trip longer than the nominated maximum journey period of either 15, 30 or 45 days, you won’t be covered for the duration of your trip that falls after your maximum journey period.

Our Multi-Trip Plan is available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued.

Allianz Multi-Trip is designed to cover the same benefits as Comprehensive Travel Insurance (when travelling overseas) or Domestic Travel Insurance (for trips in Australia only) but your policy provides cover for multiple journeys over a 12-month period. You must choose the maximum journey period that will be sufficient to cover your longest journey. You can choose from one of these maximum journey periods: 15 days, 30 days or 45 days.

Basic Travel Insurance is designed to cover overseas emergency medical and hospital expenses, overseas emergency assistance including repatriation, and personal liability. You can compare our Travel Insurance inclusions and get quotes at our Compare Cover page.

Our Multi-Trip and Basic Plans are only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued. However, our Comprehensive and Domestic Plans are available to travellers of all ages.

Our Comprehensive Travel Insurance has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from or are related to an epidemic or pandemic.

However, you’re covered under selected benefits for trip cancellation or overseas medical emergencies if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic (such as COVID-192) during your period of cover.

Find out more about our COVID-19 benefits and what we offer.

If your trip will consist of snow activities, ocean cruising or adventure activities you may want to consider buying a Snow, Cruise or Adventure Pack.1

For an additional premium, these packs are designed to cover additional activities that aren’t automatically included in our policies.

You must be aged under 75 years at the time the Certificate of Insurance is issued in order to buy the Snow Pack and the Adventure Pack. You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from, or in any way connected with your participation in any of the activities listed as covered adventure activities in the Adventure Pack or your participation in snow sport activities.

Our Snow Pack is designed to cover in certain circumstances, for loss or damage to your snow sport equipment and cost of re-hire as well as coverage for piste closure, bad weather and avalanche closure.

The Cruise Pack is designed to cover, subject to the terms of the policy, medical and hospital expenses if you’re injured or become sick on a cruise, ship to shore evacuation if required for emergency medical treatment, plus cover for cabin confinement, pre-paid shore excursion cancellation, marine rescue diversion, and formal attire that has been damaged, lost, stolen or delayed.4

Allianz Multi-Trip Travel Insurance automatically includes cover for a wide range of activities such as golf or snorkelling. You can also buy an Adventure Pack if you’re planning on participating in adventure activities such as motorbike riding1, moped riding1, abseiling, deep sea fishing or zip lining. For full lists of the automatically included activities and the adventure activities covered by the Adventure Pack, see the Product Disclosure Statement (PDS).

The Multi-Trip Plan is available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued. If you’re 75 years of age or over and require travel insurance, you may be eligible for cover under our single trip Comprehensive Travel Insurance policy, as described in the PDS.
The cost of Multi-Trip Travel Insurance varies. What may influence the cost of your policy are factors such as where you’re travelling to, your age, if there are others listed on your policy like a partner or dependants, if you buy any additional options such as our Snow, Adventure and Cruise Packs, and any pre-existing medical conditions. You can get a free online quote any time to find out the cost of a Multi-Trip Travel Insurance policy.
We send out regular emails with discounts throughout the year, which occasionally include promo codes for discounts on our Multi-Trip Travel Insurance policies.

Yes, subject to the eligibility criteria outlined in your Product Disclosure Statement such as the condition that your journey includes a destination at least 250 kilometres from your home. However, you won’t have cover for some benefits like medical and hospital expenses, alternative transport expenses, and permanent disability if you’re only travelling domestically. Full details of the insurance cover, limits, excesses, definitions and exclusions are listed in the PDS. 

Note: If you take a domestic trip longer than the maximum nominated period of either 15, 30 or 45 days, you won’t be covered for the duration of your trip that falls after your maximum travel period.

If you’re undertaking a domestic cruise and buy the Cruise Pack, cover is provided for on-board medical. Details are listed in the Product Disclosure Statement.

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*Conditions apply

  1. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).
  2. Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

    However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
  3. You don’t have cover under this benefit while travelling in Australia.
  4. You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
  5. Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the PDS for full details.
  6. You only have cover for these benefits if the relevant pack has been bought.
  7. The maximum we’ll pay for all claims combined under the Luggage, Personal Effects & Valuables Benefit is the benefit limit shown in the Table of Benefits in the PDS for the plan you’ve selected, even if you’ve bought Increased Item Limits cover.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.


Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

^The 15% off Travel Insurance ‘HOLIDAY’ discount is available from 12:01 AM AEST 07/11/2024 until 11:59 PM AEST 31/12/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.