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Travel insurance reviews - annual multi-trip

Last updated: 06 March 2020

An international travel ban is currently in place. Many travel insurers have suspended policy sales so products listed in this review may not currently be available. See travel insurance and coronavirus for more information.

If you take more than one overseas trip in a year, you might benefit from year-long multi-trip travel insurance. We've independently reviewed 64 insurance policies to help you find the best one. Only travel occasionally? See our reviews of single trip travel insurance policies.

How we score
  • Cover – The cover score makes up 70% of the CHOICE Score and measures the level of cover for medical, cancellation, addditional expenses, baggage, rental car covered and more.
  • Price – The price score makes up 20% of the CHOICE Score. The higher the price score, the cheaper the policy is compared to other insurers. It's based on the average premium for singles, couples and families for travel annually worldwide.
  • Ease of use – The ease of use score makes up 10% of the CHOICE Score. This score rates how accessible a product's disclosure documents are (number of documents, word count), whether you can purchase and claim online and whether there is a 24/7 claims phone line.

Our reviews are rigorous and completely independent. See how we're different to other insurance comparison websites.

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List of brands we tested in this review.

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    Included in this review

    Members-only access
    • Recommended
    • Overall score
    • Cover score
    • Ease of use score
    • Price score
    • Brand
    • Policy
    • Underwriter
    • Policy age limit
    • Medical expenses
    • Dental expenses for accident or injury ($)
    • Dental expenses acute pain ($)
    • Cancellation expenses
    • Additional expenses for interrupted travel ($)
    • Additional expenses for special event ($)
    • Additional expenses for pre-paid travel arrangements
    • Travel delay expenses ($)
    • Hours before travel delay covered
    • Limit per 24 hours for travel delay ($)
    • Baggage expenses
    • Single unspecified item ($)
    • Video or photo camera ($)
    • Laptop or tablet ($)
    • Smartphone ($)
    • Prescribed medications ($)
    • Limit for baggage lost temporarily
    • Family limit for baggage lost temporarily
    • Hours before cover applies for baggage lost temporarily
    • Rental car excess
    • Limit for rental car excess ($)


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