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Annual multi-trip and credit card travel insurance reviews

Last updated: 18 March 2017

If you take more than one trip in a year, you might benefit from multi-trip travel insurance. We've independently reviewed over 80 insurance policies to see how standard travel insurance compares to insurance provided through credit cards to help you find the best one. 

In this review, we've compared:

  • 39 annual multi-trip travel insurance policies (from Qantas, QBE, One Cover, Travel Insurance Direct, Good2go, CGU Travel Insurance, and Cover-more) with 
  • 47 credit card travel insurance policies (from NAB, Commonwealth Bank, Westpac, American Express).

If you only travel once per year, check out our review of single trip travel insurance policies

Not sure where to start? Read our guide to credit card versus standard travel insurance to find out what's right for you.

Read more

We focus on:

  • Policy benefits – Our policy score forms 80% of the overall score and measures the level of cover for medical, cancellation, baggage, public liability, activities covered and more. For more information, see our articles on common travel insurance exclusionsmental health and travel insurance, and travel insurance and alcohol exclusions.
  • Claim service – The claims score makes up the other 20% of the overall score and uses the Financial Ombudsman Service's (FOS) data to assess how well insurers deal with claims disputes based on the number of consumers that lodged a dispute about an insurer with FOS in 2015–16, how far they progressed through that process and what the chance was of achieving an agreeable outcome.
  • Value for money – Like most things in life, the more you get the more it costs. But we don't just pick the policies with the highest overall score for recommendations. We recommend policies with above-average cover at below-average prices.

Our reviews are rigorous and completely independent, which isn't necessarily true for other insurance comparison websites

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Brand

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List of brands we tested in this review.

Price

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Annual card fee or premium for worldwide travel for a couple on an annual multi-trip policy. This is subject to change so check with the provider for the latest prices.

enter value/s in increments of 1 between 0 and 1529

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Policy type

Scores

Overall score

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The value for money of the policy. We assess policy benefits, claims performance and price of each policy compared to the competition. Based on the average premium for singles, couples and families for travel across Asia, Pacific, Europe and worldwide for a range of travelling periods. Prices can increase with age so for older travellers, check the Seniors score.

enter value/s in increments of 1 between 42 and 81

Policy score

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How well this policy covers features such as medical, cancellation, baggage, public liability, pre-existing conditions, cover for dependants, rental car, and activities covered.

enter value/s in increments of 1 between 39 and 81

Claims score

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The higher the rating the better they perform. Based on the number of consumers that lodged a dispute about an insurer with the Financial Ombudsman Service, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

enter value/s in increments of 1 between 22 and 79

Conditions

Policy age limit

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In years (up to and including given number).

Included in this review

Members-only access
  • Annual fee or premium
  • Recommended
  • Policy type
  • Overall score
  • Policy score
  • Claims score
  • Standard excess
  • Purchase airfare on card to activate cover
  • Minimum purchase to activate insurance
  • Purchase airfare on card for all travellers to be covered
  • Can purchase be made with rewards points
  • Notify card provider to activate insurance
  • Cover for spouse and/or dependants
  • Cover travellers on a one-way ticket
  • International cruises
  • Time adults must travel together
  • Additional expenses for sick relative
  • Additional expenses covered if relative lives in New Zealand
  • Additional expenses covered if relative is not in Australia or New Zealand
  • Additional expenses for resumption of journey interrupted for a relative
  • Brand
  • Policy
  • Provider
  • Days travel annually
  • Extend days on annual trip
  • Policy age limit
  • Time dependants must travel with adults
  • Number of dependants permitted on a family policy
  • Maximum age for dependants
  • Cover for listed pre-existing medical conditions
  • Cover for unlisted pre-existing medical conditions
  • Mental illness related claims
  • Cancer related claims
  • Heart condition related claims
  • Cover medical conditions with no symptoms for 2 years
  • Pregnancy related claims
  • Stage until pregnancy complications covered (weeks)
  • Childbirth if it occurs up until this stage of pregnancy
  • IVF
  • Medical expenses
  • Medical expenses for terrorism
  • Medical expenses for hijack
  • Medical expenses for civil unrest
  • Medical expenses for military action
  • Medical expenses for pandemic
  • Medical expenses for natural disaster
  • Daily hospital cash allowance
  • Hours of hospitalisation before you received the cash allowance
  • Dental expenses for accident or injury
  • Dental expenses acute pain
  • Overseas funeral costs
  • Limit for a person to accompany mortal remains home
  • Cancellation expenses
  • Cancellation expenses for terrorism
  • Cancellation expenses for hijack
  • Cancellation expenses for civil unrest
  • Cancellation expenses for military action
  • Cancellation expenses for pandemic
  • Cancellation expenses for natural disaster
  • Cancellation expenses for redundancy
  • Cancellation expenses for defence and emergency workers
  • Cancellation expenses for cancellation of leave
  • Cancellation expenses for transport cancellation and delay
  • Cancellation for insolvency of a travel services provider
  • Cancellation for insolvency of a travel agent
  • Cancellation for frequent flyer points
  • Cancellation expenses for travel agent fees
  • Additional expenses for interrupted travel
  • Additional expenses for terrorism
  • Additional expenses for pandemic
  • Additional expenses for natural disaster
  • Additional expenses for lost passport
  • Additional expenses for breaking quarantine rules
  • Additional expenses for transport accident
  • Additional expenses for transport cancellation and delay
  • Travel insurance extension for delayed trip
  • Additional expenses for special event
  • Additional expenses for pre-paid travel arrangements
  • Additional expenses for special event interrupted by terrorism
  • Additional expenses for special event interrupted by pandemic
  • Additional expenses for special event interrupted by natural disaster
  • Additional expenses for special event interrupted by transport cancellation and delay
  • Travel delay expenses
  • Hours before travel delay covered
  • Limit per 24 hour period for travel delay
  • Travel delay expenses for terrorism
  • Travel delay expenses for pandemic
  • Travel delay expenses for natural disaster
  • Travel delay expenses for transport cancellation and delay
  • Baggage expenses
  • Single unspecified item
  • Video or photo camera
  • Laptop or tablet
  • Smartphone
  • Prescribed medications
  • Overall limit for specified items
  • Per item limit for specified items
  • Cover for valuables in check-in luggage
  • Cover for baggage in a car during the day
  • Cover for baggage in a car overnight
  • Cover for valuables in a car
  • Cover for cash
  • Cover for cash in hotel room
  • Cover for credit card replacement costs
  • Cover for passport replacement costs
  • 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
  • Personal liability expenses
  • Legal costs for personal liability
  • Personal liability for a vehicle accident
  • Compensation for accidental death
  • Compensation for disability
  • Income protection
  • Income protection waiting period (days)
  • Income protection length (weeks)
  • Moped below 50cc
  • Motorcycle
  • Abseiling
  • Boating
  • Bungee jumping
  • Canyoning
  • Hang gliding
  • Hiking
  • Horse riding
  • Hot air ballooning
  • Kayaking
  • Parachute jumping
  • Paragliding
  • Quadbiking
  • Scuba diving
  • Open water diving
  • Segway tours
  • Skiing
  • Skiing off-piste
  • Snowmobile
  • Tobogganing
  • Tandem skydiving
  • White water rafting
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