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Travel Cover: Annual Travel Cover

Annual Multi-Trip Travel Insurance

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12 months of cover for the frequent traveller 

If you travel regularly and take a few trips a year, then an Annual Multi-Trip (AMT) policy could save you time and money. Purchase annual cover and you can be protected for an unlimited number of journeys over a 12-month period. You won’t have to worry about taking out a new policy every time you jet off - as long as your Annual Multi-Trip policy fits the requirements of your upcoming trips.

Get a free quote for annual cover today to see how affordable it can be.

Is Annual Multi-Trip travel insurance right for you? Let us answer your questions by visiting our annual cover FAQs page. We are here to help you find the policy that suits your needs so get a free quote today.  

Why buy an Annual Multi-Trip (AMT) policy

If you want convenient and cost-effective travel insurance, then consider protecting your trips with an AMT policy. When travelling multiple times a year, you don’t want the added stress of having to take out a plan each time you go away.

As a Cover-More AMT policyholder, you take as many trips as you want to the destination/s your select throughout the year up to the trip duration you chose.

For an international Annual Multi-Trip policy, select your maximum trip duration as either 30, 45 or 60 days.

For Australia and South Pacific nations, your trip length can be 15 or 30 days depending on your preference.

Please note: our website will currently pick a default trip duration depending on the length of your first trip. If you would prefer a different trip duration, please call us on (0800) 500 225 so we can arrange this for you via telephone.

Tip: don’t forget to include all the destinations you plan to travel to in the next 12 months for cover to apply to your trips to those destinations.

Did you know that your AMT policy benefits are automatically reinstated after you return home from each trip? This means you can enjoy the full policy benefits for every coverable trip you take! If you happen to lose your luggage on one journey and need to claim the full policy benefit, it’s reinstated for the next one, so you’re not left unprotected.

Changed your mind? No worries! If you decide to cancel your AMT policy within 21 calendar days from purchase, you can receive a full refund. Our cooling-off period makes this possible providing you have not departed on your trip or intend to make a claim.

Be sure to read the relevant Policy Wording before deciding on our travel insurance. Get a free quote for annual cover today.

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Annual Multi-Trip coverage

When you purchase a Cover-More Annual Multi-Trip policy, you can enjoy these benefits popular among frequent travellers:

  • Cover for an unlimited number of journeys in a 12-month period up to the duration selected
  • Overseas emergency medical and dental cover~
  • Lost or delayed luggage benefits
  • Personal liability

…and many more!

Remember that the limit under each policy benefit is automatically reinstated when you come home from each trip.

Do you think an AMT policy suits you? That’s great! It only takes a moment to get a quote online.

How to buy an Annual Multi-Trip policy

If you want to purchase annual cover, great choice! It may end up saving you time and money in the future if you travel regularly. To buy your Annual Multi-Trip policy on our website, it is as simple as entering in the details of your first tip in our quote box. Make sure you put in all the destinations you plan on visiting for the next 12 months. 

You will be taken to the Plan Options page. Click on the tab called ‘See Annual Multi-Trip Plans’ in the left-hand side of your screen. Our AMT policy options will then be displayed. You can select the coverage options that work best for you.

Adjust the excess value to suit your travel needs. This will affect your premium.

You can then choose to vary your cover with our Snow Sports option. You can also adjust the cancellation cover and increase your luggage limits. These options will influence the premium amount you need to pay. Click ‘Continue’ to proceed to the next page.

Continue filling out your details and declare your existing medical conditions. You are now ready to finalise your AMT policy and protect your future travel dreams!

Don’t see the option to purchase an AMT? Your travel requirements might be better suited to one of our other policies. Call us on (0800) 500 225 to discuss your travel insurance options.

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Choose your plan

Cover-More understands that each traveller is different. This is why you have the option to choose the best international plan for your trip: our Essentials Plan or Options Plans. You can also select a level of cancellation cover if you wish, and vary your cover with our Snow Sports option. Remember an additional premium may apply.

The options don’t stop there! If you have selected our Options Plan and are travelling with a valuable item, you can increase the single item luggage limit up to $10,000 for an additional premium. For multiple items, the overall increase in limits cannot exceed $25,000.

When you buy a Cover-More Annual Multi-Trip policy, we give you the option to choose your excess when travelling internationally. Select an excess amount of either $0, $100 or $250. For domestic policies, a set excess of $50 applies. Don’t forget the excess amount is applied to each claimable event.

You can also choose the maximum trip duration you want if you call us on (0800) 500 225. Otherwise our website will automatically pick a default trip duration depending on the details of your first trip. Our international AMT policies can offer a choice between 30, 45 or 60 days for each individual trip length. For Australia and South Pacific nations, you can select a maximum trip duration of either 15 or 30 days.

Get a quote online to see how affordable an Annual Multi-Trip policy can be.

Specifics about your Annual Multi-Trip policy

There are a few things you need to know about your annual policy. The plan only covers you up to the maximum trip duration. This applies to each separate trip. If you have a maximum trip duration of 60 days on your international AMT plan, then each individual trip you take throughout the year cannot be longer than 60 days. Keep in mind you are protected for an unlimited number of journeys, as long as you return home after each one. 

You need to travel within the destinations you picked when finalising your AMT. If you are unsure where the year will take you, select the countries you think you will be travelling to. Each coverable journey needs to be at least 100 km from your home or – if less than 100km – must include at least one night of paid accommodation booked with an accommodation supplier or provider.

Do you have any questions? Check out our Annual Multi-Trip frequently asked questions page or call us on (0800) 500 225.

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Existing medical conditions

Cover-More automatically covers many existing medical conditions (EMCs). Find out which conditions we automatically cover by reading the Policy Wording. From gout to Raynaud’s Disease, we may be able to provide you with cover for your condition. If your EMC is not listed in our Policy Wording, there is a chance we can still offer travel insurance for it. Complete a medical assessment online during the quote process or over the phone by calling (0800) 500 225 to find out.

If you develop a medical condition during the 12-month period of your AMT, then let us know by calling (0800) 500 225. We look at the relevant time to determine whether it is a new condition or an existing one. The relevant time on your Annual Multi-Trip policy is the policy issue date, or the time you first started booking your trip - whichever happens last.

When you are diagnosed with a new medical condition during the year your AMT is in place, we will consider it an EMC for any trips you book in future. If the condition arose after the policy was issued or after the relevant trip was first booked, we will consider it to be a new condition for that specific trip. This means that cover would apply automatically once you are confirmed fit to travel by your doctor. You will need to contact us either way to complete a medical assessment over the phone by calling (0800) 500 225.

Cooling-off period

Travel insurance is an important purchase to consider. We understand that you may change your mind. That’s okay! At Cover-More, we offer you a cooling-off period of 21 calendar days. This cooling-off period can provide you with a full refund if you choose to cancel. You are entitled to a full refund as long as you:

  • are not making a claim under the policy;
  • have not departed on your journey; and
  • cancel the policy within 21 calendar days from the time of issue.

If you cancel your travel insurance outside of the cooling-off period, a full refund is not available. Talk to us on (0800) 500 225 if you have any concerns.

Get a quote

Find out how affordable covering your trips throughout the year can be. Get a quote online by entering in your travel details. If you have any questions about our Annual Multi-Trip policies, give us a call on (0800) 500 225 or read through our frequently asked questions about annual cover.

Please read the relevant Policy Wording before deciding on our travel insurance.

~Medical cover will not exceed 12 months from onset. Medical and Emergency Dental Expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Options Plan.