Yes and no.
YES, only Wise Traveller Secure or Wise Traveller Premium subscribers enjoy full multi-trip, annual travel insurance and its inclusion and benefits limits will depend on the subscription level selected.
NO, you do not need to be a member prior to subscribing to a Wise Traveller program. Your subscription includes Wise Traveller membership and access to all relevant benefits including multi-trip annual travel cover once your subscription has been confirmed.
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