Annual Multi-Trip Travel Insurance

Designed for people who usually enjoy two or more trips a year, Annual Multi-trip Travel Insurance offers comprehensive cover over 12-months . Rather than purchasing separate Single Trip Travel Insurance policies for each holiday, this option protects all your travels over a 12-month period .

For those planning multiple getaways, opting for annual cover ensures you’re protected for an unlimited number of trips, without the hassle of arranging separate policies. This could potentially save you both time and money.

There are plenty of reasons to choose Multi-trip Insurance if you’re taking more than one trip in the next twelve months. These include:

• Convenience – You’ll be covered for all your holidays under the same annual policy, rather than having to get a new insurance quote each time you go away.
• Save money – If you’re taking multiple trips, you may find that Annual Travel Insurance is cheaper than buying multiple new single trip policies every time*.
• Continuous cover – Renew your Annual Multi-trip Insurance each year to make sure you have the same comprehensive cover, no matter how many getaways you have planned.

Opting for Annual Multi-trip Insurance could save you money if you intend to take multiple trips within a year. With this type of cover, you have 12 months of hassle-free travel. However, you will need to tell us if your medical conditions, or you trip plans change e.g. you are going to a different region so we can update your policy.

As a specialist Medical Travel Insurance provider, we cover all pre-existing medical conditions, and we’ve already covered over 1,300 different conditions for travellers.

Some examples of pre-existing medical conditions we’ve covered include:

• High Blood Pressure
• Diabetes
• High Cholesterol
• Heart Disease
• Cancer

You are required to disclose any pre-existing medical conditions. You have a duty to take reasonable care not to make a misrepresentation. This means that all questions must be answered truthfully and honestly. You must tell us if your state of health changes before you book or commence your journey. *If your medical circumstances have changes you will need to tell us.

Our Annual Multi-Trip cover provides a wide range of cover benefits , some of which are listed below. Please see PDS for full benefits*.

Cover benefits

• Emergency medical expenses – Including the costs of tests, medication and procedures required to treat an illness or injury. This also includes cover for repatriation to bring you safely back home.
• Cancellation and curtailment (cutting short your trip) – If you unexpectedly have to cancel your trip before you go, or need to return home early following an emergency, you can be covered for your flight and accommodation costs.
• Your baggage – Protect yourself against the cost of stolen, damaged or lost luggage and personal possessions.
• Travel delays and missed departure – If your flight is delayed, you can claim compensation for the time. You can also make a claim for accommodation and transport costs if you miss your flight.

What’s excluded *

• You won’t be covered if you travel outside your chosen region, however you can contact us to upgrade your policy at any time before you leave. There is also no cover for travelling to a region where the Department of Foreign Affairs and Trade has advised against all or all but essential travel.
• While our annual travel insurance covers you for as many trips as you like each year, there is a maximum trip duration for each trip. Check the policy documents for more information.
• We provide medical cover for medical emergencies if you have declared your pre-existing conditions and paid any additional premium needed to cover them.

The price of annual multi-trip cover depends on a number of factors , including:

• Your age – As you age, the cost of your travel cover may increase.
• Your destination – The cost of medical treatment varies around the world, and this is reflected in the price of our policies.
• Any pre-existing conditions – Your policy premium will depend on the medical conditions you declare. Some conditions are more likely to lead to a claim, or to higher cost claims. Even if they increase the price, it’s important to always declare any pre-existing conditions.
• The cover level you choose – We offer a range of policies with different cover levels to suit your trip. The less cover you need, the cheaper your Annual Travel Insurance will be. It’s important to make sure you choose a policy with cover that meets your needs and requirements.

 

• All medical conditions considered
• 24-hour medical emergency helpline
• Up to unlimited medical emergency expenses cover
• Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
• No age limit on AllClear Gold and Gold Plus policies
• Cancellation cover up to unlimited costs
• Personal belongings cover of up to $10,000

We’re pleased to state all these figures are per person and per trip.

Detailed and professional

“I have now used AllClear for the second time today. Tulasi is amazing, patient, understanding and explains in detail and in a very professional manner what I need to know. I will use AllClear in future, especially if I can arrange with Tulsai.”

– Mark
16th Feb 2024 

What our customers say

Important Notices

Any advice provided is general in nature and does not take into account of your particular needs and circumstances. Before purchasing the insurance, decide whether this product is right for you by reading the combined Product Disclosure Statement and Financial Services Guide available here. A Target Market Determination for this product is available here. We also recommend consulting with relevant governmental and local authorities, including checking the Smart Traveller website, before making any travel decisions – https://www.smartraveller.gov.au/disclaimer

“This insurance is underwritten by the insurer Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd (EAA) ABN 71140219594, AFSL 552106 holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.

AllClear Insurance Services Pty Ltd, ACN 165 270 066, trading as AllClear Travel Insurance, is an Authorised Representative (AR number 1311154) appointed by EAA to distribute and administer this insurance product.