Annual Multi Trips

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Annual Multi Trips

Annual Frequent Traveller Plan

For when one trip just isn’t enough.

SureSave’s Annual Frequent Traveller (AFT) plan is a 12-month policy designed for frequent travellers who want a wide range of cover for multiple journeys taken within a 12 month period, for both domestic and international trips.

On an AFT plan, a ‘trip’ means travel:

  • up to 30 or 50 days and over 100km from your home; which
  • begins and ends at your home; and
  • is between the departure and return dates;
  • as shown on your COI.

Refer to pages 10-11 (and 12-13 for AFT plans) to understand when cover for your trip begins and ends.

The Basics

What you need to know about policy eligibility.

  • Cover is available to eligible travellers who are less than 76 years of age at the time of policy purchase.
  • Now available to Australian residents who hold a 457 Visa, and New Zealand passport holders.
  • Policies may be purchased while traveling, however a 72-hour waiting period applies. Events occurring during this time are not covered by the policy.
  • Covers all domestic and international trips taken within a 12-month period (up to a maximum of either 30 days or 50 days each). Each trip must start and end at the traveller’s home in Australia.
  • Cover the rest of the family on one policy – travellers can add another adult to their policy as an additional primary traveler, to be covered whether they travel independently or together.
  • Children and grandchildren who meet certain criteria can be added to the same policy as a dependent; however, they must travel with a primary traveler.

Events – when you need help before, during and after your travels

A simpler, smarter way to explain what’s covered.

  • Great coverage for a wide range of events, including damaged luggage, delays where the operator is at fault, and rental vehicle insurance excess.
  • Unlimited trip limit for overseas medical costs – this includes medical evacuation, medical repatriation and extra trip costs.
  • $12,000 trip limit for lost, stolen or damaged luggage and personal items, with option to add extra cover for valuable items, up to $10,000 in total.
  • Cover for travel delays when caused by a travel operator – up to $2000 trip limit.
  • $5,000 trip limit if you have to cancel or change your trip, with option to increase up to $20,000.

Options – Tailor cover to suit your trip

We get that travel isn’t ‘one size fits all’. Travellers can tailor their cover with our range of options below.

  • Covers shorter trips (up to 30 days each trip) or longer trips (up to 50 days each trip) – choose the required maximum length when buying the policy.
  • Got an existing medical condition that’s not automatically accepted? Travellers can choose to apply for cover for an existing medical condition, subject to a medical assessment.
  • Extra Cancellation Cover option allows travellers to tailor cancellation limit to suit their trip value, up to $20,000.
  • Add New for Old Luggage Cover for specified items up to an additional $10,000. This option also allows travellers to get cover for their sports and leisure equipment by adding it as a specified item.
  • Hitting the slopes? Add our Winter Sports Option for cover while participating in a winter sport – plus cover for snow holiday specific incidents.

How many trips can I take?

You can take as many trips as you like; however each trip is only covered for a maximum length. You select this maximum length – either 30 or 50 days – at the time you buy your policy (which will then be shown on your COI). If you take a trip that goes beyond the maximum length (of either 30 or 50 days), then you’ll need to buy a separate single-trip policy to cover any extra days.

When am I covered?

Your cover commences on the day you buy your policy (the ‘issue date’ shown on your COI) for all domestic and international trips that start after the issue date shown on your COI.

Each trip you take starts at the time you leave your home in Australia to commence your trip. Up until each trip starts, you’re only covered for that trip under events listed in You have to cancel or change your trip (see pages 34 to 49 for details).

Cover under all other events begins when your trip starts, and cover for all events related to a specific trip ends on the earlier of:

  • when you get back to your home in Australia;
  • midnight Australian Eastern Time (AET) on the trip return date shown on your COI; or
  • midnight Australian Eastern Time (AET) on the 30th or 50th day of your trip, depending on the maximum length of trip you select at the time you buy your policy. (This will be shown on your COI.)

Which events am I covered for?

Your AFT policy covers you for all the events included in our standard cover. See SureSave’s Summary of cover for a list of the events covered under your AFT policy.

How much am I covered for?

All expense and benefit types have a trip limit. This is the maximum amount you can claim for all claims (across all events) for each individual trip you take. The trip limits for each expense (or benefit) type vary by plan, and are listed in the What you can claim section for each event.

When you buy an AFT policy, all trip limits (except those that apply to the event You are being sued (personal liability)) are per trip rather than for the full 12 month period. So if you crash your rental vehicle when driving from Perth to Broome in January, and claim up to the full trip limit of $5,000 for that trip, you are still covered for the full trip limit of $5,000 for Rental vehicle insurance excess on your trip to Europe later in the year.

The exception to this is the trip limit for the You are being sued (personal liability) event. The trip limit for expense types under this event is ‘per policy’ rather than ‘per trip’, which means that it applies only once to all expenses claimed across all trips you take while covered by your AFT policy.

What about the rest of the family?

You can add another adult to your AFT policy as an additional primary traveller at the time you buy your policy – and even if you take trips without each other, you’ll still be covered.

You can also add your children (and grandchildren) on your AFT policy as dependants at no extra cost at the time you buy your policy. They’ll then be covered under your policy provided they:

  • are under 25 at the time you buy your policy;
  • don’t have a full time job;
  • are shown on your COI as an Insured Dependant; and
  • are travelling with a primary traveller at the time any event occurs.

Just to be clear, if dependants travel without a primary traveller they’re not covered under your AFT policy and will need their own policy.

Already travelling?

You can buy an AFT policy when you’re already travelling, provided that your trip starts and ends in Australia. But as with all SureSave  plans, there’ll be a 72-hour waiting period before cover begins under all events.

What we mean by ‘trip’

On a single-trip plan, a ‘trip’ means travel:

  • over 50km from your home; which begins and/or ends at your home;
  • and is between the departure and return dates;
  • as shown on your COI.

On an AFT plan, a ‘trip’ means travel:

  • up to 30 or 50 days and over 100km from your home; which
  • begins and ends at your home; and
  • is between the departure and return dates;
  • as shown on your COI.

Refer to pages 10-11 (and 12-13 for AFT plans) to understand when cover for your trip begins and ends.

SureSave is here to help

And that means more than just providing insurance.

  • Access to SureSave’s in-house 24/7 Emergency Assistance team.
  • Easy claims process with fast turnarounds. New online claims process coming soon!.
  • Access to the SureSave App – free to all SureSave policy holders. Tailored to each individual journey, you carry expert travel advice, information and resources in your back pocket.