Annual Multi Trip Travel Insurance | Get Your Quote

What is Annual Multi-Trip Travel Insurance?

Whether you’re travelling for business or taking multiple holidays in a year, our Multi-trip Travel Insurance plan is a 12-month travel policy which offers similar benefits to our Comprehensive or Domestic cover for multiple trips overseas or in New Zealand.

When purchasing this plan, you will need to specify the duration of your longest journey within the 12-month policy period to ensure all your journeys are covered. Each journey made on a Multi-Trip plan must start and finish in New Zealand, and the maximum journey period for any one trip needs to be either 15 days, 30 days or 45 days, as selected by you.

Benefits of Annual Multi-trip Travel Insurance Plan

Overseas Emergency Assistance^1,3

Our policy provides 24/7 overseas emergency assistance so can contact us if you need any help with overseas medical emergency.

Overseas Medical & Hospital Expenses^1,3

During your trip if you fall sick or are injured overseas, we will reimburse the reasonable medical and hospital expenses you incur until you return to New Zealand, provided your injury or sickness is covered under your policy.

Cancellation¹

If during the period of cover your journey is cancelled, rescheduled, or shortened because of the circumstances that are unexpected and outside of your control, we will reimburse you up to the selected limit:

The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

For full details review the Cancellation section in the Policy Wording.

Additional Expenses¹

We will reimburse reasonable additional accommodation and travel expenses if you or your travel companion cannot continue your journey and need to return New Zealand, or your journey is disrupted due to any events described in Additional Expenses section in the Policy Wording.

Travel Delay Expenses¹

If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses. Please read the Travel Delay Expenses section of the Policy Wording for all the limits that may apply.

Alternative Transport Expenses^1,3

If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover – and that means you wouldn’t arrive on time to one of the events listed in the Alternative Transport Expenses section of the Policy Wording which, before you left New Zealand, you’d planned to attend or utilise while you were overseas – we’ll pay your reasonable additional travel expenses to enable you to arrive on time.

Luggage, Personal Effects & Valuables^1,7

Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the Policy Wording for the exceptions to this cover.

Luggage & Personal Effects Delay Expenses¹

If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.

Travel Documents, Transaction Cards & Travellers Cheques^1,3

If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or travellers cheques, or they are stolen from you or destroyed, we will reimburse you for:

the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or
any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.

Theft of Cash¹

If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the Policy Wording.

Rental Vehicle Excess¹

If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or if damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)¹:

the amount specified that you’re liable to pay under the rental vehicle agreement, or
the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

you hire a rental vehicle from a rental company or agency;
you’re a nominated driver on the rental vehicle agreement; and

the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen.

Personal Liability^1,4

If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:

The compensation (including legal costs) awarded against you
Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from Allianz Partners before incurring these costs

Accidental Death¹

If, during the period of cover for your journey:

a) you’re injured and due to that injury you die within 12 months of it occurring; or
b) something you’re travelling on or in disappears, sinks or crashes and your body isn’t found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate, read the Policy Wording for full details.

Funeral Expenses³

If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19), or pre-existing medical condition we have agreed in writing to cover, during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we'll pay under the Funeral Expenses benefit is the benefit limit for the plan you've selected.

Permanent Disability^1,3,4

If you’re injured during the period of cover for your journey, and

a) due to that injury, you suffer permanent disability within 12 months of the injury occurring; and
b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement;

we’ll pay the benefit limit payable under the Permanent Disability benefit to you, read the Policy Wording for full details.

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Optional Cover for Annual Multi-Trip Travel Insurance Plan

If you are participating in additional activities including skiing, snow sports, ocean cruising, riding a motorcycle, deep sea fishing, zip lining, quad biking, caving, outdoor rock climbing, or other adventure activities, you may be able to add additional cover to your policy.

To understand what activities are automatically covered by your policy refer to the Activities Included in this product section in the Policy Wording.

Adventure Pack^1,4

This pack covers 19 additional adventure activities not automatically covered in your policy. You must be aged under 75 years at the time of purchasing this pack. Some activities covered by this pack:

Moped, motorcycle or quad biking
Zip lining or flying fox
Outdoor rock climbing
Abseiling
Deep sea fishing
Cave or river tubing
Tandem parachuting

Please read the Policy Wording for a full list of activities covered by the Adventure Pack.

Cruise Pack^1,5,6

This optional pack is designed to provide cover for you to take part in sea and ocean cruising, while overseas or in New Zealand. Some benefits included in this pack:

Medical cover while you are cruising
Evacuation cover – ship to shore
Cabin confinement
Cancellation cover for pre-paid shore excursions
Stolen, lost or accidentally damaged formal wear
Formal wear delay expenses
Marine rescue diversion

Please read the Policy Wording for a full list of cover.

Snow Pack^1,4,5,6

If you’re visiting the snow on your trip this pack provides cover for you to participate in snow activities. You must be aged under 75 years at the time of purchasing this pack. This pack provides cover for:

Overseas emergency snow sport assistance
Your own snow sport equipment if it’s lost or stolen
Non-refundable unused pre-paid ski passes or ski hire
Bad weather and avalanche
Piste closure

Please read the Policy Wording for full details of what the Snowpack covers.

Increased Items Limit Cover^1,7

If you plan to travel with higher value items, like camera equipment, you may want to consider covering items for a higher value. You can select higher item limits for the loss or theft of, or accidental damage to, your luggage and personal effects, for additional premium.

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Selected cover for Epidemics and Pandemics²

Our Annual Multi-Trip Travel Insurance plan includes selected cover for epidemics and pandemics. If you contract an epidemic or pandemic disease (including Covid-19) after you have purchased your policy, provisions are made for you to claim for cancellation and medical expenses. Cover for medical claims related to an epidemic or pandemic such as Covid-19 will only apply if you contract the disease after you commence your journey.

There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

Before you make a decision, please read the Policy Wording for full details.

Schedule of Benefits

Benefits limits and sub-limits are per insured person and are reinstated on the completion of each journey except for Benefit 6.1 Personal Liability – the amount shown in the Table of Benefits is the most we will pay for all claims combined under Benefit 6.1 Personal Liability for the 12-month policy period.

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1.1 Overseas Emergency Assistance^

$20million

1.2 Overseas Medical & Hospital Expenses^

$20million

1.3 Funeral Expenses^

$60,000

1.4 Accidental Death

$25,000

1.5 Permanent Disability^#

$25,000

2.1 Cancellation

As selected*†

3.1 Additional Expenses

$50,000*

3.2 Travel Delay Expenses

$2,000*

3.3 Alternative Transport Expenses^

$5,000

4.1 Luggage, Personal Effects & Valuables

$10,000*

4.2 Luggage & Personal Effects Delay Expenses

$1,000

4.3 Travel Documents, Transaction Cards & Travellers Cheques^

$5,000

4.4 Theft of Cash

$250

5.1 Rental Vehicle Excess

$6,000

6.1 Personal Liability#

$5million

† A default Limit for Benefit 2.1 Cancellation is automatically included in Your cover unless You make a selection. However, You are able to choose different levels of cover from the amounts available to You when You purchase Your Policy. Any Benefit Limit selected by You will be shown on Your Certificate of Insurance. The Benefit Limit shown will be the most We will pay for all claims under Benefit 2.1 Cancellation.

^ You do not have cover under this Benefit while travelling in New Zealand.

* sub-Limits apply – refer to the Policy Benefits section of the Policy Wording for details.

# You will not have cover under Benefit 1.5 Permanent Disability and Benefit 6.1 Personal Liability for any claims arising from Your participation in any of the activities listed under Adventure Pack or Your participation in Snow Sport activities.

Note all limits and premiums are in New Zealand dollars.

View our Financial Strength Rating here.

Conditions apply

Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
Policy terms, conditions, limits, exclusions, and sub-limits apply to types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, for epidemics and pandemics. That means we do not cover claims that arise from, or are related to, an epidemic or pandemic.

However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Policy Wording to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits, and exclusions that apply.
You do not have cover under this benefit while travelling in New Zealand.
You will not have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you have bought a Snow Pack or an Adventure Pack.
Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snowpack Policy Benefits section in the Policy Wording for full details.
You only have cover for these benefits if the relevant pack has been bought.
The maximum we will pay for all claims combined under the Luggage, Personal Effects & Valuables Benefit is the benefit limit shown in the Table of Benefits in the Policy Wording.

Annual Multi-Trip Travel Insurance Frequently Asked Questions

1. What is the difference between Annual Multi-Trip and Comprehensive Travel Insurance plans?

Multi-Trip Travel Insurance is designed to have the same benefits as Comprehensive Travel Insurance (for international travel) or Domestic Travel Insurance (for NZ travel only).

Comprehensive Travel Insurance and Domestic Travel Insurance plans are for a single trip only, whereas Multi-Trip Insurance plan covers you for multiple journeys within a 12-month period.

When purchasing Multi-Trip Travel Insurance, you will choose the maximum duration of your longest journey this will ensure you have cover for all trips you make within the 12-month period. You can choose from three options of duration cover: up to 15 days, 30 days, or 45 days.

Note: If within the 12-month period you take a journey longer than the duration you have selected for your Multi-Trip plan you will not be covered for the duration of the trip that falls after the maximum journey period.

2. Does Annual Multi-Trip Travel Insurance plan cover unlimited trips?

With Allianz Multi-Trip Travel Insurance, you pay one premium for all return trips you make in a 12-month period, each journey duration must fall within the maximum journey period you select for your plan.

You will be covered for as many return trips in the 12-month period as your maximum journey period allows.

At the time of purchase, you will choose the maximum journey period, three options are available: 15 days, 30 days, or 45 days.

3. Is Multi-Trip Travel Insurance available for seniors?

Multi-Trip Travel Insurance plan is available to travellers of all ages.

Optional cover can be added to Multi-Trip Travel Insurance plans, for an additional premium.

Cruise Pack optional cover is available to travellers of all ages.

If you wish to add additional cover to your Multi-Trip Travel Insurance for activities listed in the Adventure Pack or Snowpack, you must be aged under 75 years at the time of purchase.

4. Does Annual Multi-Trip Travel Insurance plan cover journeys of all duration?

When you purchase Multi-Trip Travel Insurance you will be asked to choose the maximum duration for each trip. You can choose from three options: 15 days, 30 days, or 45 days.

The plan will only cover travel up to the maximum duration you have selected per trip, therefore it is important to consider what your longest journey will be and select the appropriate option to cover your longest journey at the time of purchase.

As an example: John is travelling domestically for one week (7 days) and internationally for four weeks (28 days) within the 12-month Policy period. John would choose up to 30 days to ensure is he covered for all his trips, as this is the duration of his longest journey.

5. Does international Annual Multi-Trip Travel Insurance plan provide cover within New Zealand?

An international Multi-Trip policy covers travel within New Zealand, if the journey includes an overnight stay at a destination at least 250 kilometres from your home (there is no cover for a domestic trip limited to less than 250 kilometres from your home).

For full details refer to the Policy Wording.

6. Does Multi-Trip Travel Insurance cover Adventure, Cruise, or Snow activities?

To cover activities like ocean cruising, skiing, snow activities, riding mopeds, or participate in adventure activities, you will need to purchase additional cover.

Additional cover can be added by purchasing the Cruise Pack, Snowpack or Adventure Pack. You must be aged under 75 years at the time of issue of your certificate of insurance to purchase Snowpack or Adventure Pack.

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Need emergency assistance? Call emergency services immediately if your condition is life threatening.
Call us  24/7 on +61 7 3305 7194 (overseas) or +64 9 486 6868 (within New Zealand). Additional charges may apply  for any calls made from mobiles, public telephones or hotel rooms.

Allianz Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.

You should read the policy wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits and exclusions apply.

Mitsui Sumitomo Insurance Company, Limited – Financial Strength Rating

Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. The S&P Global rating scale* in summary form is:

AAA	Extremely Strong	BB	Marginal	R	Under Regulatory Supervision
AA	Very Strong	B	Weak	SD	Selective Default
A	Strong	CCC	Very Weak	D	Default
BBB	Good	CC	Extremely Weak	NR	Not Rated

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.

Further information on the S&P Global ratings is available here.

Further information on Mitsui Sumitomo Insurance Company, Limited is available here.