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Annual multi-trip travel insurance guide

Get set for some globetrotting with annual travel insurance

Do you have the travel bug? An annual multi-trip policy could be for you!

Don’t get confused, unlike a single trip policy that covers you for one trip (that can last 12 months in duration), an annual policy covers you for lots of little trips over the course of a year.

Compare annual multi-trip travel insurance and save heaps!

You can save a lot of time and money by choosing a multi-trip policy. For one price you can travel as often as you like and be covered for as many trips as you like. However, trip duration restrictions apply...

Know your limits!

Maximum trip lengths vary anywhere from 30 days up to 90 days depending upon the insurer and policy.

Some travellers get caught out by thinking that this means that provided they move on to another destination within that timeframe, they are covered. This is not the case. The trip length applies to the duration that you are away from New Zealand.

The main benefit of an annual multi-trip is the cost savings for frequent travellers and the convenience of not having to arrange insurance with each trip you take. To help you out we’ve done the hard slog for you…


Individual trip duration limits

1Cover 90 days 
AA Travel 60 days 
American Express 37 leisure, 90 days business
Columbus Direct  60 days 
Cover-more  30, 45 or 60 days 
Downunder  37 days (leisure), 90 days (business) 
Southern Cross 90 days 
State 30, 45 and 60 days 
Travel Insurance Direct 38 days (leisure), 90 days (business) 
Tower 120 days
Worldcare  60 days
Webjet 37 days (leisure), 90 days (business) 

Who offers the most cover at the best price?

So you’re 30 (ish) years old and looking for a worldwide policy? 

If you're after 30 day trips you can't go wrong with:

  • Downunder's Frequent traveller (37 day limit) gives you unlimited medical, unlimited cancellation and $5,000 luggage for $355.00.

If a 60 day trip policy is more suitable we recommend:

  • Columbus Direct's Standard Multi trip (60 day trip limit) gives you $12,500,000 in medical expenses, $10,000 cancellation, up to $6,000 luggage for $299.00.

Or if an 90 day trip is the ticket for you check out:

  • 1Cover's frequent traveller (90 days limit) provides you with unlimited medical, unlimited cancellation, up to $5,000 luggage for $339.00.

*Prices available on at time of writing June 2015.

Key things to consider

When the policy should start from

An annual policy is valid for 12 months from your chosen start date. So, there is no point in starting it six months before you book your travel. Cancellation cover will begin from the start date, so starting it from when you book your travel is advisable.

Planned activities

It is important to think about the activities that you plan to partake in. Read the policy details in full to make sure that your planned activities are covered. If not, consider taking out a specialist single trip policy to get covered. See what activities are typically covered.


You have options when purchasing your policy, so be sure to check that it covers you for the regions you are visiting. Also it pays to check whether your annual multi policy includes domestic travel within New Zealand and what the conditions are.

Who needs cover

If your kids are travelling with you for any or all of your planned trips, you will need to add them to the policy. Most insurers allow you to add children to your policy even if your policy has already started.

Get the best deal

Compare annual travel insurance policies to make sure you’re getting a great deal. You can save over 50% by purchasing online direct with an insurer rather than through a travel agent. Use our comparison to compare quotes, policies and levels of cover in no time!

Read the small print

The devil is in the detail, so remember to check your inclusions and exclusions. Reading the Policy Documentation means you wont get any nasty surprises.

If you need more help deciding, we have a great article on comparing frequent traveller insurance that's full of handy tips to help you along.

Get set for some jet setting and compare annual travel insurance quotes now!


Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!


Ask Eugene travel insurance geek extraordinaire anything

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