Annual Travel
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What is Annual Multi Trip Travel Insurance?
If you’re going on more than one holiday a year, annual multi-trip travel insurance could be just what you need.
One policy saves you the hassle of setting up new travel insurance every time you go abroad. Annual travel insurance can often work out better value if you’re going on more than one trip in a year.
Your annual travel insurance covers you for up to 183 days of travel in 12 months. That’s plenty of time to put your feet up and relax.
What does annual travel insurance cover?
Take out your policy as soon as you’ve booked your first holiday and you’ll be covered for:
✔ Cancellations and cutting your trip short
✔ 28 days of winter sports cover when you take out a Signature policy
✔ Travel disruptions and delays
✔ Lost or stolen cash
✔ Lost or damaged baggage
There’s no upper age limit, and we can cover most pre-existing conditions. You just need to let us know about them when you take out your policy.
What does Annual Multi Trip Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Annual Multi Trip Travel Insurance FAQ's
Frequently asked questions about Annual Multi Trip Travel Insurance.
You can travel as many times as you want for a total of 183 days in the 12 months of your policy.
There are a couple of things to know about how long you can spend abroad in one go:
- If you’re 70 or under, we’ll cover you for up to 50 days abroad at a time. You can extend this to 100 days with an optional cover upgrade.
- If you’re over 70, we’ll cover you for up to 35 days abroad at a time.
- However, these limits are reset after each journey so if you come back home in between trips, you can travel as many times as you want for a total of 183 days.
Planning a longer trip? Long stay travel insurance could cover you for up to 18 months, depending on your age.
Wherever you want if you choose the right region when you take out your policy. You have five options:
- UK only
- Europe excluding Cyprus, Egypt, Greece, Malta, Morocco, Spain, Turkey and Tunisia
- Europe including those excluded above
- Worldwide excluding Bermuda, Canada, the islands of the Caribbean, China, Hong Kong, Mexico, Thailand, and the United States of America
- All countries
You can add your whole family to your annual policy, from newborns upward, with no upper age limit. You might also save money, as couples and families that live at the same address often get an automatic discount.
You need to tell us about your pre-existing medical conditions when you take out your policy. This includes high blood pressure, diabetes, and cancer. This means you’ll be covered if you have a medical emergency relating to that condition.
Adding cover for your conditions is simple. You can do it online or by calling our contact centres. If anything changes between taking out your policy and going on holiday, you need to let us know, but you can also do this online.
You still need travel insurance even if you have a GHIC or a valid EHIC.
A GHIC/EHIC is not a replacement for holiday insurance. These cards won’t cover you for cancellations, loss of baggage, repatriation and other things that a travel insurance policy can.
But you should still carry a GHIC/EHIC when you go abroad. In fact, it’s a condition of our policies that you do. These cards mean you can get emergency, state provided healthcare in EU countries for free, or at reduced cost.
If you use your GHIC/EHIC when travelling and need to claim, we’ll waive the excess that you’d normally have to pay on medical claims.
You should buy your annual travel insurance policy as soon as you’ve booked your first holiday. That way you’ll be covered for any cancellations for any trips you have planned.
A specialist travel insurance provider can give you support, advice and peace of mind if the unexpected happens before or during your trip.
Some people rely on bank travel insurance, but did you know that you’re 9% more likely to have a claim rejected by a bank?
Choose a specialist travel insurance provider to build a tailored policy that suits you:
- Get cover for most pre-existing medical conditions, with have no upper age limit.
- Enjoy peace of mind with up to unlimited emergency medical expenses.
- Cover a wide range of sports and activities.
Why Choose an Annual Multi Trip Policy?
- Start your policy up to 90 days in the future
- Cover for up to 93 days per trip (terms apply)
- Unlimited number of trips in the UK, Europe and Worldwide in the cover period
- Easy, fast, and accurate online medical screening
- Cruise and winter sports and activities cover available
- Zero excess policies available
What’s Covered?
- Hundreds of Pre-existing medical conditions
- Available for travellers of all ages*
- 24/7 emergency medical assistance
- Medical expenses up to £15 million per person
- Cancellation/Curtailment up to £12,500 per person
- Personal Liability up to £2 million per person
- Lost, damaged or stolen luggage up to £3,000 per person
Please note all cover limits are per person and subject to terms of the individual insurer.
Protected Travel for All Ages and Pre-Existing Medical Conditions
We have established long-term relationships with trusted specialist medical Travel Insurance providers, sourcing you the best levels of cover tailored to your specific needs, so you can enjoy your holidays to the fullest – whatever age you are or if you’re living with medical conditions.
Get the Travel Insurance That’s Just Right for You
Depending on your individual needs and travel requirements, we’ve got a range of schemes each with Bronze, Silver and Gold levels with varying excesses and cover options. We aim to give you peace of mind with cover for cancellation should you be unable to travel, missed departure if your car breaks down or your transfer is delayed, loss of your documents and belongings while you are away, as well as unexpected costs if you require medical treatment abroad.
Cancellation Cover for Peace of Mind
With an annual policy, cancellation cover begins from the start date you select for your policy, protecting every trip from this date onwards for a 12-month period.
Change of Plans?
If you would like to amend the area you wish to travel to, extend the number of days on a trip, or need Travel Insurance including winter sports or cruise cover, give us a call and we’ll amend your policy to reflect your changing needs.
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