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Annual Multi-Trip Travel Insurance

If you’re a frequent traveller, you may want to consider buying our Annual Multi-Trip travel insurance policy.

It gives you comprehensive cover for an unlimited number of overseas trips within 12 months; the maximum duration for any one trip is 30 days.

What’s covered

The following table is a summary of the policy’s benefits and sums insured:

Benefit Sum insured*
Cancellation and Amendment Fees
Cover for the cost of prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured unforeseeable event.
Unlimited
Overseas Medical and Hospital Fees
Cover for the cost of emergency medical, surgical and hospital treatment if you get sick or injured.
Unlimited
Hospital Cash Allowance
Cover for extra expenses such as taxi fares and phone calls if you're admitted to a hospital overseas as an inpatient.
$75 per completed 24 hours, up to $2,500
Cutting Your Trip Short
Cover for the cost of prepaid travel, accommodation, meals, tours and activities if you are too unwell to complete your journey or a relative in Australia is hospitalised or dies.
Unlimited
Additional Expenses
Cover for the cost of additional accommodation, meals and travelling expenses if your trip is disrupted or you are required to return home to Australia sooner than planned.
$40,000
Resumption of Journey
Cover for the cost of the airfare to return you to the nearest international airport to where your trip was cut short.
$3,000
Travel Delay Expenses
Cover for expenses incurred if your return to Australia is delayed due to bad weather, a strike, industrial action or mechanical breakdown.
$100 per completed 12 hours, up to $2,000
Luggage and Personal Effects
Cover for the cost of repairing, replacing or reimbursing you for the cost of your belongings if they are lost, stolen or damaged during your trip.
$7,500†
Delayed Luggage Allowance
Cover for cost of buying essential items if your baggage is delayed by an airline or transport company for more than 24 hours.
$600
Travel Documents, Credit Cards and Travellers’ Cheques
Cover for the cost of replacing your passport, travel money cards, travellers’ cheques, visas and credit cards if they are lost, stolen or damaged during your trip.
$5,000
Theft of Cash
Cover for the cost of replacing your lost or stolen cash.
$400
Personal Accident
Payment for injuries that within 12 consecutive months results in your death, permanent paraplegia or quadriplegia, or loss of, or loss of use of, one or more of your limbs or eyes.
$20,000 or $40,000, depending on the event
Personal Liability
Payment if you become legally liable for accidentally injuring someone or damaging or losing someone else’s property.
$5,000,000
Rental Vehicle Insurance Excess
Cover for any hire-car insurance excess you become liable to pay as a result of the car being damaged or stolen.
$6,000
Loss of Income
Payment of your average gross income for up to six months if you become disabled within 30 days of suffering an injury and your disablement continues after your return to Australia, preventing you from earning an income.
$10,400
Alternative Transport Expenses
Cover for additional travel expenses to reach a planned event (e.g. a wedding or conference) you would otherwise miss as a result of your scheduled transport being cancelled, delayed, shortened or diverted.
$5,000
Hijack
Payment if the aircraft or sea vessel on which you are travelling is hijacked during your trip for more than 24 hours.
$1,500
Pet Care
Cover for the cost of extra kennel or cattery fees if your return to Australia is delayed for more than 24 hours due to bad weather, a strike, industrial action or mechanical breakdown.
$500
*Maximum amount per insured person per trip; includes GST. An excess of $200 applies to some benefits – please see Part 3 of the PDS for more details.
† The following sub-limits apply:
  • Laptops, tablets, cameras, mobile phones: $3,000
  • Per item/pair or set of items: $750
  • Valuables: $750
  • Property (including specified items) lost or stolen from an unattended motor vehicle: $500.

Upgrade your cover

For a higher premium, you can customise your cover by adding one or more of these optional extras to your Annual Multi-Trip travel insurance policy:

Snow Sports Cover

If you intend to ski, snowboard or ice skate on your trip, you may wish to add this cover. It insures you for snow sports equipment, lift passes, ski packs, piste closures and avalanches. Read more

Additional Specified Items Cover

If you’re travelling with items valued at more than $750 each, you can increase your level of cover for those items (maximum of $4,000 per item and $6,000 in total) by listing them in your travel insurance.

Excess reduction or waiver

Halve your excess from the standard $200 to $100; or get it waived and pay no excess.

Find out more

The information on this page is a summary only. For more details about Budget Direct travel insurance, including the terms, conditions, limits and exclusions that apply, please read the product disclosure statement (PDS).

Get a quote

Whether you’re after cheap travel insurance or a policy with all the bells and whistles, we’ve got a wide range of cover for you to choose from.

Get a travel insurance quote online in 30 seconds or call us on 1800 444 424.

Get a Quote

How to make a claim

If your trip didn’t go entirely to plan and you have to make a claim, we’re here to help.

Make a claim on your Annual Multi-Trip travel insurance policy

Frequently asked questions

What is the age limit for Annual Multi-Trip travel insurance cover?

75 years at the date of application.

Which countries does Budget Direct travel insurance cover?

We cover travel to every country in the world, except those:
  • the Australian Government advises people not to travel to (i.e. countries rated ‘Level 4 – Do not travel’). To find out the risk rating of your destination/s, visit the federal government’s Smartraveller website.
  • subject to an embargo from the UN Security Council or any international organisation to which Australia belongs
  • involved in international conflicts.

If I add Additional Specified Items Cover to my multi-trip policy, will I have to specify my high-value items for each and every trip?

No – you’ll only need to specify the item once and it will be covered for all of your trips, regardless of how many you take during the year. You can continue to add specified items to your policy throughout the year. Once an item has been added, you won’t be able to remove it from your policy (even if you don’t take the item on subsequent trips).

I purchased my air ticket using my frequent flyer points but have been forced to cancel my flight – how will my claim be settled?

If the airline won’t refund your points, we’ll pay you the cost of an equivalent-class air ticket. If the airline refunds only a portion of your points, we’ll pay you the cost of an equivalent-class air ticket, minus the value of the refunded points.

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