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Annual multi trip
COMPARE ANNUAL MULTI-TRIP INSURANCE
We help you find annual multi-trip insurance that fits your plans, not someone else's. From missed flights to lost bags, get the right cover at the right price.
Free quotes in minutes from a range of trusted travel insurance brands.
Exclusive discounts for Compare Club customers.
Match your policy by varying excess levels.
Add optional extras such as Cruise, Snow Sports and Rental Vehicle Excess.
Our travel insurance partners
Explore coverage from trusted names and boutique providers. We compare a range of policies from these travel insurance providers.
Why consider travel insurance?
You could save serious money
Avoid paying for bells and whistles you don’t need. If you’re not planning to go skydiving, you probably don’t need extreme sports cover. By shopping around, you can find a policy that gives you exactly what you need - and nothing you don’t. Save those dollars for sampling local cuisine and new experiences.
You’ll get cover that actually suits your trip
Every traveller is different. Heading to a country with a reciprocal healthcare agreement? Great - you may not need the most comprehensive medical cover. Still, don’t skip on key inclusions, especially if you take medication or your kids have specific health needs, like asthma.
You’ll spot gaps before they cause problems
All policies have exclusions. Comparing cover helps you avoid surprises when it matters most. No one wants to discover your lost luggage isn’t covered after it’s halfway to Lisbon - and you’re not.
Find the right travel insurance for your trip
Terms and conditions may vary between providers, so check the policy wording
Medical expenses and emergencies
This includes hospital stays, doctor visits, and emergency evacuation. Many policies also cover dental emergencies and repatriation to your home country.
Trip cancellations or interruptions
Covers non-refundable expenses if you can't travel due to reasons like illness, injury, or natural disasters. Most policies now include optional COVID-related cover, which may cost extra.
Baggage and personal belongings
Protection against loss, theft, or damage to your luggage and personal items. Some policies even include cover for essential items if your luggage is delayed.
Rental vehicle excess
If you hire a car and are involved in an accident or damage occurs, travel insurance can cover the excess fee often required by rental companies.
Accidental death or dismemberment
Your travel insurer can provide financial support in the event of a serious accident during your trip.
Travel delays
Most policies also cover additional costs for meals, accommodation, or alternative transport if your travel is delayed due to covered reasons.
Find the right travel insurance for your trip
Travel insurance policies usually include some or all of the following:
Covers essential medical expenses only.
Who is it for?
Budget travellers, countries with reciprocal healthcare agreements.
Includes medical expenses, tour cancellation, lost luggage, and some extras.
Who is it for?
Most standard holidaymakers travelling on guided tours.
Medical costs, cancellation fees, lost or stolen luggage, adventure sports, additional benefits.
Who is it for?
Those going on longer trips with complex itineraries moving through many countries - and travellers with complex medical needs.
How much does travel insurance cost?
- This varies based on:
Your destination: Travelling somewhere remote or without reciprocal healthcare? Expect a higher premium. High risk destinations (e.g. travelling to a conflict zone) comes with higher premiums too.
Your travel duration: Longer trips = more exposure to risk.
Your age: Premiums often increase as you get older.
Any pre-existing conditions your may have: Some insurers will cover these for an additional fee.
Your excess: Higher excess = lower premium (but more out-of-pocket costs for you if you do need to claim).
Level of cover: Comprehensive cover costs more, but offers peace of mind and lower costs if you do need to claim.
For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
Here’s the average travel insurance premium for the top five international travel destinations in 2025 with no pre-existing medical conditions (based on a two-week single traveller aged 40)*
Destination | Average Cost (Basic) | Average Cost (Comprehensive) |
|---|---|---|
New Zealand | $40 | $120 |
Indonesia (Bali) | $55 | $160 |
United Kingdom | $45 | $150 |
United States | $65 | $190 |
Japan | $50 | $170 |
Here’s the average travel insurance premium for the top five domestic travel destinations in 2025 with no pre-existing medical conditions (based on a two-week single traveller aged 40)*
Destination | Average Cost (Basic) | Average Cost (Comprehensive) |
|---|---|---|
Sydney | $20 | $60 |
Melbourne | $22 | $65 |
Gold Coast | $18 | $55 |
Perth | $25 | $70 |
Cairns | $23 | $68 |
*Estimates (international and domestic) are based on comparison of over 30 different travel insurance policies, from providers that include Cover-More, NRMA, Allianz and Travel Insurance Direct.
Domestic policies often cover cancellations, car rental excess, and lost or stolen belongings.
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- If your trip includes multiple destinations, you’ll want a policy that offers cover for every location. Also be mindful of other factors such as travel duration, age, any pre-existing conditions, your excess and level of cover. For example, a 40-year-old travelling solo to the UK for two weeks might pay around $45 for a basic policy, or over $150+ for comprehensive cover.
- With pre-existing conditions: Long COVID isn’t always covered yet. If this matters to you, check policies carefully.
- Real reviews matter: Ask friends or read independent reviews before picking a provider. Avoid biased or uncontactable websites.
Compare Club Travel Insurance is an online comparison service. The information on this page is provided by Compare Club Australia Pty Ltd (“Compare Club”). Compare Club does not compare all travel insurance providers or all products offered by travel partners.
Any advice given here is general and has been prepared without considering your current objectives, financial situation or needs. Therefore, before acting on this advice, you should consider the appropriateness of the advice having regard to those objectives, situation or needs.
This comparison service does not necessarily compare all features that may be relevant to you. You should consider the insurer’s PDS prior to making the decision to purchase their product. For more information, please read our Financial Services Guide (FSG) , which contains further information about how our service works and how we are paid.
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