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.
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If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you. RACV Annual Multi-Trip Travel Insurance gives you and your family an unlimited number of trips 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, an annual travel policy can provide cover when you need it most.
We all travel for different reasons, which is why RACV Annual Multi-Trip Travel 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 each 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 can provide you with coverage.

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 RACV Annual Multi-Trip Travel Insurance policy.
#Limits and sub-limits apply. Refer to the 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 holidays are a lot of fun, but they involve more preparations to ensure everyone travelling is protected. And with more luggage to potentially lose, getting cover for the whole family should be considered.
RACV Annual Multi-Trip Travel Insurance provides 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.
*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.
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, RACV Annual Multi-Trip Travel Insurance covers you for unexpected holiday events and expenses.
Summary of Cover
Summary of Cover
Annual Multi-Trip (per Adult)
#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 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 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
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.
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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 Travel Insurance 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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Travel alerts
Think carefully before visiting countries with "Do Not Travel" status, as your RACV Travel Insurance won't cover you for these destinations.
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Review or manage your policy
For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.
The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.