Annual Multi Trip Policy

The Annual Multi Trip (AMT) policy is a great option if you travel regularly over a 12 month period. Here are some common questions we get about the AMT policy and our answers.
 
Is there a limit on the duration for each trip?
You can travel up to 38 days on a leisure trip and 90 days for business. If you are combining business and leisure in one trip you can travel up to 90 days.
 
What do you mean by a business trip?
The main purpose of your trip is for business even though you may tack on a couple of days for holiday.  In the event of a claim, you will be asked to prove it, for example, by demonstrating that the flights and/or accommodation were paid for by your employer.
 
Is there an age limit?
The AMT is available to travellers up to and including 75 years old.
 
Can I include my trips in Australia on the AMT policy?
Yes. It includes cover for domestic and international trips. A domestic trip is defined as ‘when travel involved an overnight stay and accommodation and/or transport is prearranged with a travel services provider’
 
My partner and I mostly travel together but sometimes we have our own trips. Do we need to buy another policy for the extra trips?
No. If you have chosen the Family option with two adults (and any dependent children) on the policy, you don’t need to travel together on every trip. The policy will cover the adult travellers when they are travelling independently. The dependent children listed on the policy will always need to travel with one of the adults.
 
I don’t have a partner so can I list my friend on my policy?
You can list any adult as your travel partner for the policy. It doesn’t have to be a spouse or de facto partner.
 
Can I purchase a few months in advance?
The AMT policy is available for purchase up to 30 days prior to the start of your 12 month Period of Insurance. You will be covered for cancellation from the time you buy your policy.
 
We are away for 45 days on one of our trips. Can we still take the AMT or do we need to buy a new policy for that trip?
You can use your AMT for the first 38 days and buy a single trip policy for the additional days.
 
Can I buy the AMT if I’m already overseas?
Yes you can! Please note that your cover for each trip ends on the 38th day for a leisure trip or 90th day for business or when you return to your home in Australia, whichever is earlier.
 
Will the AMT cover my pre-existing medical conditions?
There are 43 medical conditions that are automatically covered on the AMT policy provided you meet all requirements noted in the PDS.  If your condition is not automatically covered you can still purchase a policy however you won’t be covered for your medical conditions. If you want a policy that covers your pre-existing medical conditions, you can contact SureSave for a quote on 1300 763 872.
 
Are there any extra benefits for business travel?
The AMT policy is the only policy that offers a business travel benefit. You are covered for the following benefits:
  • Accidental loss, theft or damage to business equipment (including computer equipment, communication devices and other business related equipment and business documents). The maximum benefit is $5,000.
  • Hiring alternative business equipment if yours is accidentally lost, stolen, damaged, misdirected or delayed in transit for more than 24 hours. The benefit is $250/day to a maximum of $1,000.
  • Costs to recreate documents if they are lost, stolen or accidentally damaged. The maximum benefit is $1,000.
The $100 excess will apply to each of these benefits unless you buy it out at the time of purchasing.
 
Will you send me a reminder before my policy expires?
Yes. We will send out a reminder 7 days before the expiry of your policy so you can buy a new one.
 
If I take the AMT, do I need to take the Snow Option if I’m only away skiing for a week during the year?
No. You can purchase a single-trip policy just for the duration of your skiing trip. In the event of a claim you will claim under one policy only.
 
Can I add options after I’ve purchased?
At this time we don’t allow you to add options like snow, rental vehicle insurance excess or high value items after you purchase.
 
I don’t get any Tripwise content for each of my trips. Why is that?
The Tripwise app gives you worldwide content. At this time we don’t have the facility for the AMT traveller to add the country details of each trip, so we provide you with a bit of everything.
 
Full terms, conditions and exclusions are available in the PDS.
This article was written by Travel Insurance Direct.
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