Annual Multi-Trip

You can purchase your policy securely online via our website or contact our call centre during business hours.

When buying, you’ll:

• Choose your travel type, destination(s), dates and traveller details
• Select your level of cover (e.g. Ultimate, Premium, Standard, Domestic, Basic)
• Add any optional extras (such as Cruise Pack, Winter Sports Pack or Rental Vehicle Insurance Excess)
• Declare and screen for pre-existing conditions
• Pay securely online

Your Policy Schedule, medical certificate and a copy of the PDS will be emailed to you immediately or you can access these via our online portal.

Where to find it in the PDS: Section 2 – Things to Consider When Buying the Policy and The Policy

Unfortunately, no.

Your policy must be purchased before you leave Australia (your Departure Point). Once you’ve departed, we cannot offer or backdate cover.

Where to find it in the PDS: Whether You Are Eligible for Cover

To be eligible to buy a policy, you must:

• Be currently living in Australia
• Purchase your policy before departing on your trip
• Start and end your trip in Australia
• Hold a valid Australian Medicare card, or (if you’re a temporary resident) private health insurance that meets Australian visa requirements
• Hold a valid visa that extends beyond your return date (if you’re not a permanent resident)
• Meet the age limits for your chosen plan

Where to find it in the PDS: Section 2 – Whether You Are Eligible for Cover and Age Limits That Apply

Yes. Cover may apply for unforeseen natural disasters such as:

• Bushfires
• Floods
• Cyclones
• Earthquakes

Cover depends on:

• Your selected plan
• Whether the disaster was unknown at the time of purchase
• Whether government warnings were in place beforehand

Claims arising from known events at the time of purchase may be excluded.

(Refer to "Additional Accommodation & Travel Expenses," "Cancellation Fees & Lost Deposits," and "General Exclusions" in Section 2 of the Combined Product Disclosure Statement.)

Where to find it in the PDS: Section 2 – Additional Accommodation & Travel Expenses, Cancellation and General Exclusions

• Within 14 days (cooling off period): Cancel for a full refund if you haven’t made a claim, started your trip or passed your departure date
• After 14 days: You may be eligible for a partial refund, minus non-recoverable costs, if you haven’t started your journey, made a claim or otherwise exercised a right under the policy.
• No refund is available if you have already departed or claimed under the policy.

Where to find it in the PDS: Section 1 – The Terms on Cancelling Your Policy

If you’re cruising within Australia:

• You should select the Domestic Plan, and
• Add the Cruise Pack if your cruise is two nights or more

The Cruise Pack provides additional benefits including Cabin Confinement, Missed Cruise Departure, Shore Excursion Cancellation, and more.

Yes, you can apply to extend your policy if:

• You request the extension before your current policy expires
• You haven’t made a claim and you’re not aware of anything that may result in a claim
• You continue to meet the eligibility criteria for your plan (including age and health requirements)

Approval of extensions is at the insurer’s discretion, and an additional premium may be required.

Where to find it in the PDS: Circumstances in Which You Can Extend Your Policy

An excess is the amount you contribute if you need to make a claim.

• You choose your standard excess amount at the time you purchase your policy
• If your claim is approved, the excess will be deducted from your total payout
• Additional excesses may also apply.

Where to find it in the PDS: The Level of Excess That You Prefer