Annual Multi-Trip Travel Insurance

Planning multiple getaways doesn’t mean you need separate travel policies. Stay covered on the trips you take within 12 months with RACV Annual Multi-Trip travel insurance.

Keep your travels covered with multi-trip travel insurance

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be perfect for you. Annual Multi-Trip travel insurance gives you and your family cover for a full year – on trips where you travel more than 250km from home.

Whether you’re travelling solo or with your family, for fun or for business, you can rest easy with an annual travel policy that provides cover when you need it most.

train travel in the wilderness

Cover designed for your busy year

We all travel for different reasons, which is why Annual Multi-Trip insurance can be tailored to your needs. Start by choosing your max duration limit of 30, 45 or 60 days per trip or choice of excess.

Once your trip is complete, the sum insured under each section in the annual travel insurance policy will be reinstated automatically.

Whether you need yearly holiday insurance for separate trips with your family or annual travel insurance for a year of domestic holiday’s or business trips around the world, these policies have you covered.

train travel in the wilderness

Yearly worldwide travel insurance

Whether you’re soaking up the sun in Spain or enjoying your leave in Thailand, annual travel insurance gives you cover on the important things. RACV Annual Multi-Trip travel insurance provides cover for:

  • Cancellation fees and lost deposits#
  • Overseas medical, hospital and dental#^^
  • Emergency expenses#

Even for domestic travelling, if your destination is further than 250km from your home, you’re covered under the Multi-Trip travel insurance policy.

Park Guell is a Gaudi-designed fairy tale park in Barcelona, Spain

#Limits and sub-limits apply. Refer Combined Financial Services Guides and Product Disclosure Statement for full details

^^This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Family cover for no extra cost

A happy family enjoying activities on their holiday

Family holidays are a lot of fun, but they involve more preparations to ensure everyone travelling is protected. And with more luggage to potentially lose and a larger financial impact on cancelled flights, getting cover for the whole family through RACV is a wise move.

The annual family travel insurance RACV offers cover for your Children and Grandchildren at no extra cost when they travel with you. You just need to list each family member on the policy. Conditions apply. 1

1. Your children or grandchildren travelling with you up to the age of 25, who are financially dependent on you and not working full time. They must be listed as such on your Certificate of Insurance. They are covered for free provided they do not require medical assessment and are travelling with you the whole time. A child or grandchild can be a child or grandchild of any adult listed on your certificate of insurance.

Why choose RACV Annual Multi-Trip Travel Insurance?

*Limits and sub-limits apply. 

1 .Your children or grandchildren travelling with you up to the age of 25, who are financially dependent on you and not working full time. They must be listed as such on your Certificate of Insurance. They are covered for free provided they do not require medical assessment and are travelling with you the whole time. A child or grandchild can be a child or grandchild of any adult listed on your certificate of insurance.

Frequent flyer? Make the most of your mileage with RACV travel tips

RACV Annual Multi-Trip travel insurance provides year-long travel insurance for singles and families. Discover what’s included in the cover below.

Protect yourself and your family from the risks of travelling far from home with cover that stretches over multiple trips throughout the year. From overseas hospital fees to the costs that come from travel delays, Annual Multi-Trip travel insurance covers you for unexpected holiday events and expenses.

Summary of Cover

Summary of Cover

Annual Multi-Trip (per Adult)

Cancellation Fees and Lost Deposits#

$unlimited^^

1E: Travel Agent Fees

$4000

Overseas Medical and Hospital

$unlimited**

2B: Cash in Hospital #

$6000

2C: Overseas Dental #

$unlimited

2G: Funeral Expenses Overseas*

$20,000

Luggage #

$15,000

3B: Travel Documents

$5000

3C: Luggage Delay

$750

3E: Personal Money #

$500

Emergency Expenses #

$unlimited^^

4B: Resumption of Journey

$5000

4C: Special Events

$5000

Accidental Death*

$25,000

Accidental Disability*

$25,000

Your Legal Liability

$10,000,000

Rental Car Excess #

$8000

Loss of Income #

$10,400

Financial Default #

$10,000

Domestic Pets^#

$650

Domestic Services^#

$1500

Travel Delay #

Not Applicable

Hijack and Kidnap*#

$10,000

#Limits and sub-limits apply.

 ^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of Your admittance to hospital.

 *This cover is per person listed in Your Policy

^This cover is per policy

Please read the combined Financial Services Guide and Product Disclosure Statement carefully to understand what this policy covers.

Insuring your luggage items with RACV Annual Multi-Trip travel insurance covers them for up to $15,000. Whether you’re travelling with your prized golf clubs or your work laptop, these travel insurance policies take the sting out of losing expensive items. Discover the amounts for specific luggage items below.

Policy benefits

Policy benefits

Annual Multi-Trip

Cameras and Video Cameras

$3000

Laptops and Tablets

$3000

Golf Clubs

$3000

Smart Phones

$1000

Dental Prosthesis

$1000

Other Items

$1000

RACV policy options and add-ons

When choosing your annual holiday insurance, the best cover will be tailored to your needs and situation. RACV Annual Multi-Trip travel insurance offers a range of policy options and extra benefits that you can add onto your plan – giving you the chance to create the cover that suits you best.

Whether you have medical conditions or are preparing for an adrenaline-filled ski trip, choosing the right add-ons can take a big risk out of your worldwide adventures. Find out what you can add to your yearly travel insurance policy below.

Cover for medical conditions

Travelling with medical conditions doesn’t mean you miss out on annual travel insurance cover. Check out the different conditions that are covered by RACV policies here, for all other conditions you can complete an online assessment to see if we can cover them as well.

Ski and winter sports cover

A ski holiday is a great way to cool off and get your blood pumping. If you’re planning a winter trip, the right add-on will keep you covered from injuries related to winter sports. Find out more about ski and winter sports and activities cover here

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*Terms and Conditions

Any financial advice provided by RACV which is set out above, is general in nature only, and does not take into account your objectives, financial situation or needs. Because of this, you should, before acting on the advice, consider the appropriateness of the advice, having regards to your objectives, financial situation and needs. You should obtain the ''RACV Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement' (PDS) and consider it before making a decision about whether to acquire RACV Travel Insurance.

Where it provides financial services in relation to RACV Travel Insurance (such as financial advice or arranging for the issue of insurance), Royal Automobile Club of Victoria (ABN 44 004 060 833 AR 001243563) is acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548).