%201.svg){kind=spacer}
Annual Multi-Trip Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- Cover for over 1300 different medical conditions
- Unlimited emergency medical expenses cover available with 24/7 emergency medical helpline
- Up to Unlimited cancellation cover
.jpg){kind=spacer}
What is Annual Travel Insurance?
Annual Travel Insurance is a type of Travel Insurance that covers multiple trips in a single year. Rather than needing to buy multiple different Single Trip Travel Insurance policies, you can get cover for all your travel in a 12 month period, all at once.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
How does Annual Travel Insurance work?
With Annual Multi-Trip Travel Insurance, you can buy cover for unlimited trips within a 12-month period.
When buying an Annual Travel Insurance policy from AllClear, you'll need to select all the regions that includes all the destinations you'll be travelling to over the course of the year. You'll also need to declare if you're going on any cruises in the year.
Then, you’ll have a full year of cover for overseas emergency medical expenses, travel delays and much more.
What are the benefits of Annual Travel Insurance?
The key benefits of Annual Travel Insurance are:
- Peace of mind: Annual Multi-Trip Travel Insurance allows you to travel with confidence. You can relax and enjoy your holiday, knowing you have financial cover if an emergency happens.
- Hassle-free: If you have multiple trips planned in a single year, Annual Travel Insurance can be a big time-saver. Rather than worrying about buying insurance for each of your individual trips, you can enjoy year-round cover.
- Cost-effective: Annual Multi-Trip Travel Insurance can be more cost-effective than individual Single Trip policies if you're travelling 2 or 3 times in a year.
What’s the difference between Annual Travel Insurance and a Single Trip policy?
While Annual Multi-Trip Travel Insurance covers all your trips in a 12-month period, Single Trip policies cover an individual trip.
Annual Travel Insurance is the best option for you if you will be taking multiple trips within a year. It allows you to secure all the cover you need in one easy purchase. Plus, it can be more affordable than buying multiple Single Trip policies.
Consider Single Trip Travel Insurance if you only need cover for one trip within the year.
This information is general advice and does not take into consideration your personal objectives, financial situation or needs. Before making a decision, please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to find the cover that's right for you.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear's Annual Travel Insurance cover?
Our Annual Multi-Trip Travel Insurance covers a wide range of events that may occur throughout your year of travel. With policies tailored for seniors and people living with pre-existing medical conditions, we work to make sure everyone can travel with confidence.
Here's an overview of what you're covered for under AllClear's Annual Travel Insurance:
What's covered?
Cover for the costs of tests, medications and procedures required to treat an illness or injury when travelling. You'll also be covered for repatriation to bring you back home safely.
Cover for flight and accommodation costs if an unexpected event means you have to cancel your trip before it begins.
Cover for emergencies that force you to come home early.
Compensation for extra costs that arise if your flight is delayed.
Insures your baggage and its contents against loss or theft.
Cover for legal costs to claim compensation for incidents during your trip.
Our policies have no upper age limit. That means you can enjoy peace of mind on your trip.
What’s not covered?
For most claims, you won't be covered for the travel insurance excess.
Your cover is limited to trips within the designated region you choose.
You aren't covered for events or issues you were aware of before buying travel insurance.
You need to declare all of your medical conditions. If you don't, we are unable to cover you for any unexpected medical costs connected to known health concerns.
You're only covered for cancellations if the reason for cancellation is within the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Get your Travel Insurance quote
Travel with confidence
Tailored Annual Travel Insurance for every holiday
Our policies are tailored to your needs, enabling you to get the cover you need for a perfect year of travel.
Pre-existing Medical Conditions
Travel insurance cover for over 1300 medical conditions.
Cruise Travel Insurance
Get cover for events like missed ports and cabin confinement.
Seniors Travel Insurance
We have no upper age limit on our Annual Travel Insurance policies.
Destinations covered in Annual Travel Insurance
Our Annual Multi-Trip Travel Insurance provides cover for a wide range of international destinations.
Annual Multi-Trip Travel Insurance for pre-existing medical conditions
If you have multiple trips planned over the next year, it's important to have the medical cover you need to travel with confidence. That's why our Annual Travel Insurance offers cover for over 1300 pre-existing medical conditions.
With travel insurance policies designed to help more people explore the world, AllClear is the right choice for your dream holidays. We make declaring your conditions easy with our straightforward screening process, which can be done online or over the phone.
Some major conditions we cover include:
Annual Travel Insurance for adventure activities
As a frequent traveller, you might find yourself participating in adventurous activities all over the globe.
We offer cover for activities from abseiling to snorkelling to windsurfing. This means you can enjoy yourself knowing you're covered.
We'll cover you for personal injuries you sustain when you participate in these activities. You just need to ensure you comply with your policy conditions.
Our cover for adventure activities goes beyond emergency medical or hospital expenses. For example, we offer cover for lost, stolen or damaged golf and skiing equipment.
Our policy covers your rental car insurance excess amount if your rental car is involved in a motor vehicle accident (while you are driving), or is damaged or stolen while in your custody.
Exclusions may apply. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to find the cover that's right for you.
Cover for emergency medical expenses
One of the greatest stresses for frequent travellers is the financial risks that come with overseas medical expenses. If you're injured, fall ill or need emergency medical treatment for a pre-existing condition, you might find yourself facing significant financial hardship.
That's why having the right Annual Travel Insurance policy is so important. With cover for over 1300 medical conditions, AllClear is an excellent choice for medical cover.
We'll also cover you for medical expenses related to motor vehicle accidents, and incidents that occur when participating in outdoor activities (as long as you comply with all policy conditions).
We can also cover repatriation or evacuation costs you might incur on your journey. We even offer a 24/7 emergency medical helpline to help you get the treatment you need overseas.
Exclusions may apply. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to find the cover that's right for you.
General tips for frequent travellers
Here are some top tips if you have multiple international or domestic trips planned:
- Annual Travel Insurance: Annual Travel Insurance is a stress-free way to get covered for multiple trips in a single year.
- Travel apps: There are plenty of mobile phone apps on the market that can make your travelling life a lot easier. These include apps for flight tracking, purchasing electronic SIM cards and converting currencies.
- Reward programs: There are many valuable reward programs frequent travellers can join to get impressive benefits. Examples include frequent flyer programs, credit card travel rewards and hotel loyalty programs.
- Documents: It's important to have a strong system in place to manage your important documents when travelling. This includes passports, flight bookings, hotel reservations and travel insurance details. You could store documents digitally where possible. Also, consider implementing a secure system for handling physical documentation.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance advice from our team
"If you travel frequently, Annual Travel Insurance can be a convenient and affordable way to secure the cover you need for peace of mind. AllClear provides crucial financial cover for overseas medical expenses, travel delays and more."
What our customers say
"Excellent service. No wait times, provided clarity and guidance especially around a pre-existing medical condition. Have complete peace of mind we will be covered and looked after. Thanks Tulsi."
see full reviewFAQs
Is Annual Travel Insurance more affordable than individual single trip policies?
Annual Travel Insurance can be more affordable than purchasing individual single trip policies. If you're unsure which AllClear policy is right for you, you can contact our team on 1800 785 870 to find out which works best for you.
What does Annual Travel Insurance not cover?
When you purchase Annual Travel Insurance with AllClear, you'll select your designated region of cover. Trips outside this designated region won't be covered.
Travel insurance policies usually won't cover pre-existing medical conditions that you haven't declared. Your cover may also exclude travel to places with government travel warnings. It may also exclude reckless behaviour, or events you knew about before buying your policy.
Make sure you have read all your policy terms so you know exactly what is excluded from your policy.
What activities are covered under Annual Travel Insurance?
Our Annual Multi Trip policy covers activities including skiing, golfing, abseiling and much more. Check our PDS for a full overview of outdoor activities you'll be covered for.
Does Annual Travel Insurance cover rental vehicle insurance excess?
Our Annual Travel Insurance policy covers rental vehicle excess if your rental car is involved in a motor vehicle accident (while you are driving). You're also generally covered for incidents where your car is damaged or stolen while in your custody.
Different insurers can have very different rules for rental vehicle excess cover. Ensure you fully understand your policy before beginning your trip.
When should you get travel insurance?
Usually, you should get travel insurance as soon as you have travel booked. This ensures you're covered for any unexpected events that cause your trip to be cancelled. Annual Travel Insurance offers extra peace of mind, as you can be sure you're covered before you've even booked some travel in your 12-month period.
How much does Annual Travel Insurance cost?
The price of your Annual Travel Insurance will be affected by your specific travel plans, such if you're going on a cruise. It will also be impacted by the likelihood of you incurring overseas medical expenses. Your premiums will be affected by your age and pre-existing medical conditions.
Get an online quote or call us to find out how much an Annual Travel Insurance policy will cost you.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
Travel with confidence