What is multi-trip (frequent flyer) travel insurance?
Multi-trip travel insurance is an annual policy designed for frequent travellers, covering all trips made within a year, subject to terms and conditions like maximum trip durations.
It offers convenience, cost-effectiveness, and continuous cover for an adventurous globetrotter or someone who frequently travels for work.
Maximum trip duration clause
Here’s something to bear in mind: multi-trip policies come with a ‘maximum trip duration’ clause.
The ‘maximum trip duration’ clause specifies the longest duration each trip can be for the policy to remain valid.
For example, if your policy has a 90-day maximum trip duration, any single trip you take cannot exceed 90 days, or your coverage is no longer valid. Insurers generally offer 30, 60, or 90 day trip duration clauses.
So, if you’re planning a three-month spiritual journey in India or a prolonged work assignment in the US, you might want to look at other options. And remember, your policy may set out different clauses for local trips vs international travel, so always read the fine print.
Frequent flyer travel insurance coverage and exclusions
What’s usually covered under the umbrella of multi-trip insurance?
Medical emergencies: The insurance can cover medical costs if you get sick or have an accident.
Trip cancellations or disruptions: You may be compensated if your trip gets cancelled or interrupted due to circumstances beyond your control.
Lost luggage: If your belongings go missing or get stolen, your policy can help replace them.
Legal assistance: If you get into a legal issue while travelling, your insurance may provide aid.
Repatriation costs: If you are stranded overseas, the insurance will cover the cost of you returning home.
On the other hand, it’s important to note some common exclusions:
Undisclosed pre-existing medical conditions: If you have a known medical condition that you don’t disclose, and you have a related issue while travelling, you might not be covered.
Travel for medical treatment: If you’re travelling specifically to receive medical care, that’s generally not covered.
Incidents under the influence: If an accident or issue arises while you’re under the influence of drugs or alcohol, your claim may be denied.
Exceeding the maximum trip duration: If your trip lasts longer than the specified duration in your policy (like 30 or 90 days), your cover may become void.
Adventure sports: Some activities may not be covered under the standard policy but could be added in.
What’s covered and what’s not can vary between insurers, so get clear on specific policy details before choosing an insurer.
Cost of multi-trip vs single trip insurance
For frequent flyers, a multi-trip policy could be cheaper and less of a headache than getting travel insurance for each trip.
Bonus tips for frequent flyers
Assess your travel habits: Look at your usual destinations, duration of stays, and activities. If you’re planning extreme sports like bungee jumping in New Zealand, confirm your policy covers it.
Prioritise health coverage: With potentially high medical costs overseas, your policy should offer substantial medical coverage.
Read the fine print: Understand your policy details, especially around maximum trip lengths and pre-existing condition clauses.
Compare and conquer: Finding the best multi-trip insurance. When considering multi-trip insurance policies, consider factors like coverage levels, excess amounts, and exclusions.
Start comparing and find your perfect frequent flyer travel insurance policy today. After all, you’ve got more exciting things to do, like planning your next adventure!
Compare Frequent Flyer Travel Insurance
If you are lucky enough to be travelling all the time, make sure you have an insurance policy that covers all your trips