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Guidance

Multi-trip travel insurance

Multi-trip travel insurance

Globetrotter, business traveller, holidaymaker... whichever you are, multi-trip travel insurance could help save you time and money.

Frequent traveller or not, multi-trip travel insurance can be an ideal option if you’re travelling overseas, around Australia or a mix of both - especially if you take spontaneous trips on business or for pleasure.

Travel as often as you like

The beauty of multi-trip travel insurance is that you pay one premium and then you’re covered - from the start date on your certificate of insurance or the date you booked your first journey (whichever is later) - for every trip you make in that year.

Cover for each trip you make during your period of cover begins when your trip starts and ends once you’re back at home. It only starts up again when your new trip begins. 

One of the things to check closely is the length of time you’re covered for in any one trip. You will have to choose the maximum journey period that will be sufficient to cover your longest journey.

The options will vary depending on the insurance provider you choose, so you’ll need to think about how long you’ll be away for before you opt for this type of travel insurance cover.

You aren’t covered for any incident or event that occurs outside of the maximum journey period you have nominated. 

CBA travel insurance for example, offers a multi-trip plan with unlimited trips of 15, 30 or 45 days in Australia and overseas.

Who’s covered?

Multi-trip travel insurance is not only ideal if you travel frequently or tend to book last minute holidays, it’s great for families too. Most multi-trip travel insurance policies cover the policy holder, their spouse / partner and dependants. Check the definition of dependants before you lock your policy in though – you want to make sure everyone who you think is covered, is.

It’s worth seeing if there are any age restrictions too. CBA travel insurance multi-trip cover for example, is available for travellers aged 74 years and under.

Check what’s included 

Whether you opt for multi-trip travel insurance cover or not, read the fine print to check what you’re covered for. 

Planning on being adventurous? Check your insurance policy first. Don’t assume, for example, that you’re covered to hurtle down a mountain on a snowboard – seasoned pro or not. 

If you need to (and you can), you may top up your insurance cover. While CBA travel insurance offers additional options including a snow pack, business pack and a cruise pack, some insurance policies may not. If you’re not covered for it, it’s probably best you don’t do it. 

Once you’re overseas you may find it difficult to upgrade your policy so it’s a good idea to plan ahead.

What’s the alternative?

If you’re not planning to travel more than once this year, you can take out single trip insurance. It offers comprehensive, essentials and domestic travel cover too. Take a look at other CBA travel insurance options.

Travel insurance may also be included with your CommBank credit card. If it is, you need to activate your international travel insurance cover in NetBank or the CommBank app or by calling Allianz Global Assistance on 1800 837 177 before you travel to receive comprehensive cover.

Discover more about international travel insurance included with eligible CommBank credit cards.

CommBank emergency details

  • Lock, Block, Limit your CommBank credit card, Lock, Block your CommBank debit card or lock your Travel Money Card for added security
  • Cancel and order replacement CommBank cards in NetBank or the CommBank app
  • Call us 24/7 on +61 2 9999 3283 to report lost or stolen CommBank cards
  • Call Allianz Global Assistance 24/7 on +61 7 3305 7499 if you’ve got travel insurance included with your credit card or a separate CBA Travel Insurance policy and want to make a claim.

This article is intended to provide general information of an educational nature only. It does not have regard to the financial situation or needs of any reader and must not be relied upon as financial product advice. Insurance is issued and managed by AWP Australia Pty Ltd (t/as Allianz Global Assistance) (ABN 52 097 227 177, AFSL 245631) on behalf of the insurer, Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708). Insurance is distributed by Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945) but is not issued or guaranteed by CBA or any of its related bodies corporate. It does not represent a deposit with or a liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, limits and excesses apply. Before making a decision, refer to the CBA Travel Insurance Product Disclosure Statement for full conditions at commbank.com.au. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase a policy, we (CBA) receive a commission which is a percentage of your premium - ask us for more details before we (CBA) provide you with any services on this product. You need to activate international travel insurance included with your eligible credit card in NetBank or by calling Allianz Global Assistance before you travel to receive comprehensive cover. If you don’t activate you’ll receive Base cover which includes personal liability cover and emergency overseas medical assistance and hospital expenses only. .