Annual multi-trip travel insurance covers you for unlimited trips over a 12-month period, whether you're planning overseas adventures or Australian holidays that are more than 250 km from your home.
Depending on the level of cover you choose each trip can run up to 30, 45 or 60 days, providing flexibility for both long-haul holidays and shorter interstate trips.#
Explore international and domestic insurance options for single trips.
RACV Annual Multi-Trip Travel Insurance covers the things that matter most, whether you’re heading overseas or staying closer to home.
This section only provides a summary of the policy benefits. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply.
Select the annual multi-trip tab to begin your quote. Enter all the countries you’ll be visiting this year.
Enter the start date for your first trip. The end date will automatically update to one year from your start date.
Pick between 30, 45 or 60 days. You can go on as many holidays as you like within the year, as long as each one doesn’t exceed this limit.
Choose your excess† and add any extras you need, such as cover for cruises** or snow sports. You can also save your quote and email it to yourself.
RACV Annual Multi-Trip Travel Insurance provides a range of options, allowing you to select cover that aligns with your travel plans.
Annual multi-trip travel insurance could be worth it if you travel multiple times a year. Rather than buying a separate policy for each trip, one annual policy covers every trip you take over 12 months, which can save the hassle of arranging cover each time you go.
A few factors that can make multi-trip cover a better choice:
It's worth comparing the cost of an annual policy against what you'd typically spend on single-trip cover over a year, factoring in the trips you're planning and their length.
For frequent travellers, RACV Annual Multi-Trip Travel Insurance covers unlimited domestic and international trips more than 250km from home and of up to 30, 45 or 60 days per trip (depending on the option you choose) for a single annual premium.# RACV Members also save 15%.*
The cost of annual travel insurance varies depending on a number of factors, from your age to intended destinations. For RACV Annual Multi-Trip Travel insurance, these factors include:
The best way to find out what you'll pay is to get a quote – it only takes a few minutes. RACV Members save 15%.*
There's generally no limit on the number of trips you can take under an annual multi-trip policy, although each individual trip may have a day limit, depending on your level of cover.
Typically, each time you complete a trip your benefit limits automatically reset for the next one, so there's no need to notify your insurer or arrange anything between trips.
RACV Annual Multi-Trip Travel Insurance provides cover for multiple trips taken within a 12-month policy period, as long as each individual trip falls within your chosen limit of 30, 45 or 60 days.# Cover is available for both international and domestic trips more than 250km from home. RACV Members save 15%.*
Annual multi-trip travel insurance policies can vary in features, benefits, limits and eligibility requirements. When comparing policies, you may wish to consider:
RACV Annual Multi-Trip Travel Insurance is available with optional cruise cover** and winter sports cover. Policy holders can also select from available trip duration, excess and cancellation limit options. RACV Members save 15%.*
Yes, annual multi-trip insurance generally covers both international travel and domestic trips on the same policy.
It's worth noting that domestic travel usually doesn't include medical cover, as that benefit applies to international travel only. For Australian trips, help is available for things like cancellation, travel delays, luggage, rental car excess and personal liability.
RACV Annual Multi-Trip Travel Insurance covers both international travel and domestic trips within Australia, provided each domestic trip is more than 250km from your home.# RACV Members save 15% when they purchase a policy.*
It's important to make sure all your destinations are listed on your policy before you travel, including any countries you're stopping over in for more than 24 hours. Travelling to an unlisted destination could affect your cover.
If your plans have changed, contact RACV as soon as possible to update your policy. Depending on the destination, there may be a change to your premium. You can reach RACV on 13 13 29 or at care@racv.com.au.
In short, it depends on the type of cruise you’re taking:
You can add Cruise Benefits to your RACV Annual Multi-Trip travel insurance policy which includes cover for onboard medical expenses, cabin confinement, missed ports and more.# RACV Members save 15% off the total premium.*
Cover ceases at the end of your chosen trip duration limit – 30, 45 or 60 days with RACV Travel Insurance, depending on your level of cover – so any days beyond that limit wouldn't be covered.# Unlike Single Trip policies, Annual Multi-Trip policies can't be extended once you've departed.
The one exception is if your trip is delayed or prolonged due to a reason that's covered under your policy, such as an unexpected medical event. In those circumstances, cover can continue for as long as is reasonably necessary at no extra cost.#
The simplest approach is to choose a trip duration limit that comfortably covers your longest planned trip before you travel.
Yes, most annual multi-trip travel insurance policies are available to older travellers, though age limits and conditions vary between insurers.
For travellers with existing medical conditions, many common conditions are automatically covered, and others can be assessed individually. An additional premium may apply depending on the outcome of that assessment.
RACV Annual Multi-Trip Travel Insurance is available to travellers up to 75 years of age, with cover for 38 medical conditions included automatically.~ RACV Members also save 15%, regardless of age.*
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
* RACV Member discount applies to the premium only (not applicable taxes).
^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.
++ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.
† Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
⋄⋄ For more awards information, refer to https://mozo.com.au and https://www.wemoney.com.au/wemoney-travel-awards-2026.
** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
ǂǂ Cruise Benefits section does not apply to river cruising. Refer to the combined PDS/FSG for full details.
ǁ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity up to 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.
Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.