Multi-Trip


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Multi-Trip Plan travel insurance coverIf you travel a lot, chances are you’d prefer not to have to take out a new travel insurance policy every time. That’s where TIO Multi-trip insurance comes in.

Multi-trip is a 12 month plan that offers all the benefits of our Comprehensive cover - cancellation, luggage, medical and repatriation cover, and much more — for multiple trips within Australia and overseas. It’s surprisingly affordable, and offers excellent value for people who travel a lot.

You pay one premium and then you’re covered for every trip you make in that year. Simply choose the trip duration that will cover your longest journey: 15, 30 or 45 days. Your cover ends when the journey ends and begins at the commencement of a new journey.

Key Multi-Trip insurance benefits

This is simply a summary of the benefits of a Multi-Trip travel insurance policy. For full details, such as conditions, limits and exclusions, please read the Product Disclosure Statement

Benefit Single Section
Overseas Emergency
Medical Assistance#
unlimited 1.1
Overseas Emergency
Medical and Hospital
Expenses
Dental
Expenses
unlimited

$1,000
1.2
Accidental Death
$25,000 1.3
Permanent Disability# $25,000 1.4
Hospital Cash
Allowance#
$5,000 1.5
Loss of Income# $10,400 1.6
Cancellation Fees
and Lost Deposits
unlimited 2.1
Additional Expenses $50,000 3.1
Travel Delay
Expenses
$2,000 3.2
Alternative Transport
Expenses
$5,000 3.3
Luggage and
Personal Effects
$10,000 4.1
Luggage and Personal
Effects Delay
Expenses
$500 4.2
Travel Documents,
Credit Cards &
Travellers Cheques#
$5,000 4.3
Theft of Cash $250 4.4
Rental Vehicle
Insurance Excess
$3,000 5.1
Personal Liability $2.5
million
6.1

NOTE: All benefits and premiums are in Australian dollars. All limits include GST.

# Not available for travel within Australia.

Additional optionsYou can choose from the following add-on options to increase your cover for particular holiday activities.
For full details, terms and conditions, please read the Product Disclosure Statement.

Snow pack

If you are heading to the snow, these optional benefits may be relevant to you.


Cruise pack

For those of you planning on getting on a cruise.



Adventure pack

You can get cover for a wide range of more adventurous sports and activities not automatically covered in your standard policy.

Increased item limits

If you're planning on taking higher value items with you on your trip and want to cover them for loss, theft or damage, this may be for you.

TIO Travel Insurance is a great choice

Global reach and expertise

The Allianz Group** is a global leader in assistance services and has led the industry for over 50 years. Each year we help more than 700,000 people with illness and injuries while travelling.

Assistance 24 hours a day, 365 days a year

Overseas travel medical emergencies won't wait until the next business day. Our overseas emergency assistance helpline is available 24 hours a day, 365 days a year. Just phone us as soon as you need help and we’ll be there.

Reach, skills and expertise, wherever you are

Worldwide, the Allianz Group has over 500 doctors and medically trained employees operating in 34 countries. Supporting them is a global network of multilingual travel and medical assistance specialists, certified service providers and international correspondents.

We've got it covered

If you need emergency help, the last thing you want is to make phone call after phone call. With TIO, one call takes care of everything - claiming, emergency assistance, medical care, translators - just like that!

Purchasing a policy / general

You may purchase a travel insurance policy up to 12 months prior to your departure date.

For single trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins from the issue date shown on your Certificate of Insurance and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

For multi-trip cover Cover for Section 2.1 Cancellation Fees & Lost Deposits begins on the start date shown on your Certificate of Insurance or the date you booked your journey, whichever is the later and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier. The cover for all other sections starts at the beginning of your journey or the start date shown on your Certificate of Insurance, whichever occurs later, and finishes at the end of your journey or on the end date shown on your Certificate of Insurance whichever occurs earlier.

Please note: The maximum period for any one journey under the Multi-Trip Plan is shown on your Certificate of Insurance. You are not covered for any incident or event that arises outside of the maximum journey period you nominated.

No. Our policies can only be purchased before you commence your journey, while you are still in Australia.
Our travel insurance is designed for the leisure traveller and also business people travelling overseas for business purposes. It is not designed to cover events linked to employment overseas. Please refer to the General Exclusions Applicable to all Sections contained in the PDS. In particular General Exclusions A.7 which excludes claims arising directly or indirectly from, or in any way connected with, you engaging in manual work in conjunction with any profession, business or trade during your journey.
If you return home early, you do not get a refund. If you do not know how long you will be travelling for, you can buy a policy for a specific period you know you will be definitely away. Before your policy expires, you will need to contact us so that your policy can be extended, if possible, for an additional premium. Please note that some policies do not allow extensions. For restrictions and limitations, please refer to the Extension of Cover section in your PDS.

Pre-existing medical conditions

If you click 'Yes' to 'Pre-existing medical condition?', our online pre-existing medical assessment will take you through the process. You can also check the definition of pre-existing medical condition in the PDS to see if you have a pre-existing medical condition. If you are still unsure, please contact us on 131 846.
It depends on your condition(s), their severity and other related factors. The website will enable you to obtain a quote or alternatively you can contact us on 131 846 to find out the applicable premium.
If you have already purchased your travel insurance policy, then any new medical condition that arises after that date is not considered a pre-existing medical condition and you would not need to pay an additional premium, subject to the terms, conditions, exclusions and limitations listed in the PDS.

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