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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 Cover-More  on 1300 467 951 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 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

For 24 hour travel insurance emergency assistance, call Cover-More in Australia direct and toll free on +61 2 8907 5641. You can also call from:

  • Canada on 1844 345 1662
  • New Zealand on 0800 632 031
  • UK on 0808 234 3737
  • USA on 1844 345 1662

Charges apply if calling from a pay phone or a mobile phone.

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 issued and managed by Cover-More Insurance Services Pty Ltd (AFSL 241713, ABN 95 003 114 145) on behalf of the insurer Zurich Australian Insurance Limited (AFSL 232507, ABN 13 000 296 640) for Commonwealth Bank of Australia (‘CBA’) (ABN 48 123 123 124, AFSL 234945). CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. Terms, conditions, exclusions, (including for pre-existing medical conditions and persons aged 80 years or over for international travel insurance included with an eligible CommBank credit card or persons aged 74 years or over for CBA Travel Insurance) limits and excesses apply. Before making a decision, refer to the relevant Product Disclosure Statement for full conditions at You need to activate your international travel insurance included with eligible CommBank credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only. We (CBA) do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. If you purchase or upgrade a policy, we (CBA) receive a commission which is a percentage of your premium.