Annual Multi-trip travel insurance for New Zealand travellers
Travelling overseas more than once this year?
If you’re lucky enough to have a few overseas trips lined up in the next year, organising travel insurance each time can be another thing on the to do list. From weekend getaways to longer overseas holidays, many New Zealanders travel internationally more than once a year.
An Annual Multi-trip travel insurance policy could be a simple option. Instead of arranging cover each time you go, you buy one policy that provides cover for multiple trips to overseas destinations for a full year, starting from your chosen start date.
Get an Annual Multi-trip quote
How Annual Multi-trip travel insurance works over the year
The Annual Multi-trip policy is designed for frequent travellers. Once your policy is in place, your cover applies for an unlimited number of return journeys overseas within 12 months.
You can choose the maximum length of each individual trip:
- up to 30 days
- up to 60 days
- up to 90 days
As long as each journey fits within your chosen trip length and chosen destinations, you can travel overseas as many times as you like during the policy period without taking out a new policy each time. Terms and conditions apply.
When travelling overseas frequently, it’s worth remembering that New Zealanders generally don’t have access to publicly funded healthcare outside New Zealand. Medical treatment overseas can be costly, especially if you need hospital care or urgent treatment, which is why having cover in place for each trip matters.
Who Annual Multi-trip cover is usually suited to
Annual Multi-trip travel insurance is often a good fit for New Zealanders who:
- travel overseas several times a year for holidays or short breaks
- regularly visit friends, family or whānau offshore
- want one policy in place rather than organising travel insurance trip-by-trip
If you’re only planning one overseas trip in the next year, a single‑trip policy may be more suitable.
What the Annual Multi-trip includes for New Zealand travellers
All limits apply to each journey, unless stated otherwise. The excess you select applies per unexpected event.
Subject to policy's terms, conditions, limits, exclusions, excesses and sub-limits, the policy may cover:
- Medical and evacuation, including medical treatment, prescribed medication, specialist care and medical transport, plus 24‑hour emergency assistance and support from qualified medical advisers (Unlimited)
- Cancellation or changes before you leave, including prepaid travel costs due to illness, injury or natural disaster ($2,500, with options to increase up to Unlimited)
- Changes to your journey once overseas, including transport, accommodation and meals if you need to return to New Zealand early or your plans are disrupted ($50,000)
- Baggage and personal items, including delayed or lost bags ($25,000, with item limits)
- Personal accident for travellers aged 16–80 ($50,000)
- Personal liability, for legal liability and compensation ($1,000,000)
- Rental vehicle excess cover, up to $10,000
Optional cover is available for:
- Moped and motorbike cover
- Skiing and snowboarding cover
- Cruise cover
All limits shown below apply to each journey
Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.
$2,500
Options to increase up to Unlimited
$2,500
Options to increase up to Unlimited
$2,500
Options to increase up to Unlimited
Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to New Zealand.
$50,000
$30,000
Up to $100 a day.
Up to $100 a day.
Cover for lost, stolen or damaged items and help to purchase essential clothing and toiletries, if your bags are delayed, misdirected or misplaced for 12 hours or more.
Includes financial support for you or your loved ones if you’re injured whilst on your journey.
Cover towards legal liability for damages, compensation and legal expenses.
For each paying person. No excess applies.
Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged.
For each paying person. No excess applies.
This table is a summary of the International Comprehensive Annual Multi-trip policy benefits and shows the maximum cover for each person (unless cover otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).
Why choose an Annual Multi-trip policy?
If you’re travelling regularly, having travel insurance cover in place for the year can save time and reduce the risk of forgetting to arrange insurance before a trip. Once your policy starts, you can focus on planning your travel, rather than organising cover each time you book flights and accommodation.
All journeys are return trips, and cover applies each time you leave and return to New Zealand, as long as each trip fits within your selected maximum duration and you have included the destination on your policy.
With cover already in place, you can book flights, plan trips and head away knowing you’re backed, every time you leave New Zealand.
Tips for frequent travellers
Travelling from New Zealand can often take a toll, especially when flights are close together or long haul. A few simple habits can make frequent travel easier:
- Pay attention to your health on the road, including sleep and hydration
- Think about airport timing and peak travel periods
- Plan ahead for transport on arrival to avoid long queues
These small steps can help reduce stress when you’re travelling often.
Before travelling, New Zealand travellers should review current destination advice on the MFAT SafeTravel website. Travel insurance may not provide cover for unexpected events linked to locations classified as “do not travel” or “avoid non-essential travel” where the advisory is in place for the reason the event occurs.
Important information before you buy
This page includes some information about our travel insurance products. As with all insurance policies, eligibility criteria, limits, exclusions, excesses and sub‑limits apply.
Before purchasing, we recommend reading the relevant policy documents to ensure the product is right for you.
You can find documents for all our policies here:
- International Comprehensive
- Annual Multi‑Trip
- International Medical Only
- Domestic
- Working Overseas
- Visiting New Zealand
- International Student
Ready to cover a year of travel?
If you’re a New Zealander planning multiple overseas trips in the next 12 months, Annual Multi-trip travel insurance can be a convenient way to stay covered.
Get an Annual Multi-trip travel insurance quote for New Zealanders today
Frequently Asked Questions
What is Annual Multi-trip travel insurance and how does it work from NZ?
Annual Multi-trip travel insurance gives New Zealanders cover for overseas travel across a full year. You take out one policy, and it applies every time you leave New Zealand on a return journey, as long as each trip meets your selected travel duration and you have added your destination.
When does cover start for each overseas trip?
Cover applies from the time you leave New Zealand and continues until you return home, provided your trip fits within your policy duration and conditions. Each journey is treated as a separate insured trip.
What kind of traveller typically chooses Annual Multi-trip cover?
This option is often chosen by Kiwis who travel frequently throughout the year, such as for holidays, conference trips, or visiting friends and family overseas. It can also suit those with flexible or last-minute travel plans.
Why might this be a better option than single-trip insurance?
If you travel more than once a year, Annual Multi-trip cover can reduce the need to repeatedly arrange insurance. It also means you’re less likely to forget to organise cover before heading overseas.
How does the “unlimited trips” feature actually work?
You can take multiple overseas journeys during the policy year, but each trip must stay within the maximum duration you selected when purchasing your policy.
What happens if I stay overseas longer than planned?
If your trip exceeds your chosen maximum duration, cover may stop once that limit is reached. It’s important to select a trip length that reflects the longest trip you might travel throughout the year.
Does cover reset between trips?
Yes. For most benefits, limits apply to each individual journey. This means your cover refreshes when you return to New Zealand and begin a new overseas trip.
Am I covered for medical expenses while travelling overseas?
Policies can include cover for medical treatment and emergency assistance while you’re outside New Zealand. This is important, as publicly funded healthcare generally isn’t available to New Zealanders overseas, and medical costs can vary significantly between countries.
What types of travel or activities can I include?
Your policy may include a range of covered activities, with optional add-ons available for things like skiing and snowboarding, cruising, or riding a moped or motorbike. These must be selected as an add-on when purchasing your policy.
What should I know about excess and claims?
If you make a claim, the excess you selected applies per unexpected event rather than across the whole policy year. Choosing a higher or lower excess may affect the premium you pay.
How do travel advisories affect my policy?
New Zealand travellers should check SafeTravel before heading overseas. If a destination has a “Do Not Travel” or “Avoid Non-Essential Travel” warning, cover may not apply for claims linked to the reason for that advisory.
When is the best time to buy Annual Multi-trip cover?
Many Kiwis arrange Annual Multi-trip insurance before their first overseas trip of the year, so they’re already covered for any additional travel that comes up over the next 12 months.