Annual Multi-trip travel insurance

If you’re planning on taking several journeys overseas a year, our Annual Multi-Trip policy might be a more cost (and time) effective choice than shopping around for travel insurance every time you travel. Once purchased, you’re covered for an unlimited number of return journeys overseas, over a period of 12 months commencing on your start date of insurance. You can choose to have journeys covered up to a maximum of 30, 60 or 90-day in length.

So, if you’re planning to go on several holidays this year, you could buy just one policy to get cover for 12 months worth of adventure.

If you buy a ‘Family’ Annual Multi-Trip Policy, the adults on the Certificate of Insurance can travel independently, however any dependent children named on the Certificate of Insurance are only covered if travelling with an adult named on the same Certificate of Insurance.


What is multi-trip travel insurance?

Multi-trip travel insurance allows frequent travellers to buy one policy that provides the same level of cover across several journeys overseas. It can be a cheaper option if you plan to travel several times in the same year, and also save you the hassle of buying an single trip policy before each trip.

A regular travel insurance policy only provides cover for a single journey overseas. Buying a single journey policy every time you travel may end up costing you lots, which is why annual multi-trip policies can often the best option for frequent travellers.

Airplane on landing strip 

What does our Annual Multi-Trip policy cover?

Our Annual Multi-Trip Policy offers the same comprehensive benefits as our Single Trip Policy and includes:

  • Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental car excess should you have an accident
  • Emergency dental treatment
  • Funeral costs

When you protect yourself with an Annual Multi-Trip Policy or a Single Trip Policy, you also gain access to our worldwide emergency assistance team, who are there to offer round-the-clock advice, 24 hours a day, seven days a week.


Southern Cross Travel Insurance awards

Whether you’re booking a tour or a hotel, it’s always a good idea to search online for feedback on the quality of the product and service. Travel insurance is no different.

We’ve been providing quality comprehensive travel insurance for nearly 40 years. This year, we’re proud to have received the Canstar award for Outstanding Value for Travel Insurance - International 2020.

A flight attendant assisting a passenger 

Tips for frequent travellers

If you’re a frequent traveller, chances are you’re already using a few travel hacks to make your journey more enjoyable. Whether it’s a certain spot in the airport where you can unwind between flights, or a theft-proof backpack, simple things can remove the stress of travelling and let you focus on the good things.

Here are five simple tips for frequent travellers:

1. Focus on your health

With long haul flights, jet lag, changes in climate and high stress levels, it’s no surprise that travelling can take a toll on your health.

Always focus on your health while travelling, which may mean skipping the airport bar and getting an early night the day before you fly. Stay hydrated and bring healthy snacks on board the plane. But remember, buy these when on the other side of the customs check, otherwise they’ll be confiscated.

2. Play the game

As a frequent traveller, you’ll know that special request meals are always served first on board. As a frequent traveller, you’ll also know that airlines usually under stock their meals, which means that people sitting towards the back of the plane can miss out on their first choice (or end up with a lukewarm meal).

Requesting a special dietary meal ahead of time ensures that you won’t be stuck with something you don’t want, or be served lukewarm food after the front of the plane has already finished eating. Airlines often have a wide variety of special meals to choose from, typically at no extra cost.

Passengers waiting with their luggage 

3. Beat the queues

Most travellers will automatically flock to the shortest line at customs or immigration. However, you may be better off looking at the speed of the employee rather than the length of the line.

Be smart about picking the time and date of your travel. A quick online search will help you find out when the peak travel times are for the airports you’ll be passing through, so you know what days and times of the week to avoid.

4. Clear your cookies

Airline booking sites often raise prices based on demand and searcher behaviour, in a process called ‘dynamic pricing’. This can mean that if you’ve been looking at the same flight to Fiji for a few weeks before deciding to buy, the price can increase during that time. Clearing your cookies on your web browser can reset these prices to normal.

Taxis lining up

5. Check the departure zone for taxis

If you get to the arrivals gate and find a taxi queue 500 people long, it might be worth heading to departures instead (if it’s close by). The departures area will be rich in empty taxis, whose passengers have just left to enter the airport.


What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here: International Comprehensive, Annual Multi-trip, Domestic, Working Overseas, Visiting New Zealand, International Student 


We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am - 7pm, and Saturday, 9am to 6pm, excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.