Multitrip.com.au Travel Insurance

Multitrip.com.au

Do you travel often? Maybe for work, or to visit family living around the globe? For a travel insurance policy to cover your jet setting lifestyle, check out Multitrip.com.au. We’ve got all the facts, features and fine print to help you decide if a Multitrip.com.au travel insurnace policy is right for you.

About Multitrip.com.au

Multitrip.com.au is a new, Australian based travel insurance provider, which offers a number of competitive policies to Australians of all ages. Part of multi-award winning Blue Insurances Limited, Multitrip.com.au policies are underwritten by Mitsui Sumitomo Insurance Company. Multitrip.com.au was also one of Mozo’s Experts Choice Awards picks for best value multi-trip cover.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

Multitrip.com.au plans

Don’t let the name fool you! At Multitrip.com.au you can find not only multi-trip, but also single trip policies to suit your travel needs. There are also a range of extras, including winter sports, business and golf cover. You can choose from Essential, Premier or Premier Plus cover levels and single, couple or family policies. Take a look at our handy table for a rundown of the Multitrip.com.au policies available to you:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essential

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • Unlimited

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $10,000

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $2,500

    • $20,000

    • $7,500

    • $4,000

    • $2,000

    • $4,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Plus

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $10,000

    • $5,200

    • $5,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Essential Multi Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • Unlimited

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Essential Multi Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • Unlimited

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Essential Multi Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • Unlimited

    • Unlimited

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Multi Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $10,000

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $2,500

    • $20,000

    • $7,500

    • $4,000

    • $2,000

    • $4,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Multi Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $10,000

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $2,500

    • $20,000

    • $7,500

    • $4,000

    • $2,000

    • $4,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Multi Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • $10,000

    • Events
    • $6,000

    • Unlimited

    • Unlimited

    • $2,500

    • $20,000

    • $7,500

    • $4,000

    • $2,000

    • $4,000

    • $2,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Plus Multi Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $10,000

    • $5,200

    • $5,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Plus Multi Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $10,000

    • $5,200

    • $5,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Premier Plus Multi Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $8,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $10,000

    • $5,200

    • $5,000

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What should I know about Multitrip.com.au travel insurance policies?

What your policy covers

This all depends on what policy and cover level you choose. Some of the benefits you’ll generally be covered for under all Multitrip.com.au policies are:

...among others.

You can choose to add winter sports, golf or business cover to any of the policies, but additional specified items cover can only be added onto Premium Plus policies and can only be purchased by contacting the call centre.

What pre-existing medical conditions are covered

There are 43 pre-existing medical conditions which are automatically covered under your Multitrip.com.au policy. These conditions, including asthma, celiac disease and glaucoma, are covered for no additional premium, as long as you haven’t been hospitalised for them in the 24 months before buying your Multitrip.com.au policy.

Some special considerations do apply to conditions on the list such as high blood pressure or diabetes - for example, diabetes is covered, but only if you are under 50, have no associated complications and do not also suffer from cardiovascular disease.

Any other pre-existing conditions won’t be covered under your travel insurance policy.

Take a look at Mozo’s guide for if you’re travelling with a pre-existing medical condition, and finding a suitable travel insurance policy for it.

The age limit

If you are 79 years of age or under, you can purchase a travel insurance policy with Multitrip.com.au. The downside is, if you’re over 50, you will need to pay a surcharge on your premium, and as mentioned above, certain conditions regarding medical issues may apply.
You also need to be over the age of 18 to buy a policy yourself.

Travelling with dependents

When travelling with your family, children or grandchildren under the age of 18 can be considered dependents and covered for free under your policy, as long as:

If you’re buying a policy for someone under 18 who is not travelling with you for the duration of the trip, the full adult premium applies to this person’s policy. If your child is under 16, they need to be accompanied by an adult for the entire trip to be covered.

What limits apply to the multi-trip policy

In general, the same rules, benefits, conditions and exclusions apply to your multi-trip policy as to a single trip policy. There are a few extra things to keep in mind, however:

Remember: there is a different PDS for single and multi-trip policies, so make sure you read the right fine print!

Multitrip.com.au cooling off period

If you decide that a Multitrip.com.au travel insurance policy is not for you, or if you decide not to travel after all, then you have a 14 day cooling off period in which you can cancel for a full refund of your premium. If you’ve already started your trip, made a claim on your policy or if it’s after the 14 day period, you won’t be given any refund.

What optional upgrades does Multitrip.com.au travel insurance offer?

Winter Sports cover

Winter sports are not covered at all under your Multitrip.com.au travel insurance policy unless you purchase this upgrade, so if you’re heading to the snow, make sure you include this on your policy! The winter sports upgrade includes cover for loss and damage to equipment as well as personal accident while taking part in the sport. It’s important to note that competitive or professional sports aren’t covered and you need to follow all the safety regulations to ensure coverage. If any of this is an issue for you, check out Mozo’s guide on cover for winter sports.

Business cover

This upgrade covers loss, damage or hire costs for business equipment, emergency courier expenses, the loss or theft of business money and replacement of staff. This includes the cost of flying a business associate from Australia to replace staff if it is deemed necessary.

Golf cover

Fancy a game of golf? The golf upgrade will cover costs for loss or damage to golf equipment, plus the costs to hire replacement equipment if yours is delayed, stolen, damaged or lost. You can also recoup the cost of fees for tuition or access to a green if you become ill and need to cancel your golfing trip.

A quick guide to the fine print of Multitrip.com.au travel insurance policies

You should always be aware of the fine print when deciding on a travel insurance policy. Sometimes exclusions that you might not notice at first can mean the difference between your policy being accepted or denied. We’ve listed a few of the exclusions you should look out for in your Multitrip.com.au travel insurance policy:

How do I make a claim with Multitrip.com.au travel insurance?

Now that you know the exclusions and policy details that might affect your travel insurance claim, the next step is knowing how to make the claim if you ever need to. Here are some steps to making your claim go through easily:

Step 1. Download a claims form from the multitrip.com.au website
Step 2. Gather all the documents relevant to your claim. This means receipts, photos, doctor's certificates, official statements from airlines or police reports.
Step 3. Complete and sign the claims form.
Step 4. You can email your claims form to Multitrip.com.au and send them the original form, plus the originals of any receipts, statements, etc. via post. Make sure you keep a photocopy for your own reference.

It’s a good idea to have your personal details and the details of your policy on hand when making a claim. Make sure you submit your form within 30 days of the end of your trip and Multitrip.com.au will contact you with the outcome.

For more information, check out our handy guide, on claiming on your travel insurance.

Multitrip.com.au customer reviews

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Compare Multitrip.com.au travel insurance policies with other Travel Insurers

There are a ton of options for finding a travel insurance policy to suit your needs, so don’t just settle on the first you find. It’s well worth comparing what’s out there to find a policy suited to your trip and budget. You can take a look at the options with Mozo’s easy to use travel insurance comparison tool. All we need from you is the details of your trip - dates of your travel, your destination and how many people you’ll be travelling with - and we’ll give you a quick and easy comparison of the best travel insurance policies available to you.

Check out Mozo’s travel insurance 101 guide for some tips on getting the best travel insurance policy for your next big trip, and don’t forget to drop by our travel hub for some helpful hints on planning a money savvy holiday.

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