Planning on a few different getaways this year? Then make sure to pack an annual multi-trip travel insurance policy which will cover all of your travels for the year.

If you’re thinking about packing your bags and escaping more than once over the next 12 months, then we can save you the hassle and expense of arranging multiple travel insurance policies by bundling all your cover into one year-long policy. 

Annual travel cover can be more cost effective if you’re planning on travelling a lot over the year, but if you’re only thinking about taking one holiday in the next 12 months then single trip cover could be the better option for you.

What is Annual Multi-Trip Travel Insurance?

So, what is annual multi-trip travel insurance? It’s essentially a policy that provides cover for people who tend to travel more frequently throughout the year and keeps them protected regardless of how many trips they take within a year. It’s essentially year-long travel insurance and is generally divided into the following three categories:

• UK
• UK and Europe
• Worldwide, including the USA, Canada, Mexico, and the Caribbean
• Worldwide, excluding the USA, Canada, Mexico, and the Caribbean

An annual travel insurance policy is a good option for those who may have multiple trips planned throughout the year, as one multi-trip travel insurance policy will keep you covered for all the trips you plan on taking over the course of a year. *

*As long as no single trip lasts longer than 31 days if you have Value cover, 45 days if you have Premium cover, and 55 days if you have Superior cover.

Benefits of an Annual Multi-Trip Policy

Taking out annual multi-trip insurance has many benefits specifically for those who like to travel often:

• A more cost-effective option compared to buying multiple single-trip insurance policies for every holiday you have.
• Takes out the hassle of buying a new policy every time you wish to travel – with yearly travel insurance, you can book a holiday and go knowing you will be covered.
• Annual travel insurance covers you for any UK based holidays or staycations you may take.
• You don’t have to notify your insurer every time you plan on going away – you’re already covered.

The best multi-trip travel insurance policies are designed for those who are frequent travellers and are catered towards their needs, as it is a more convenient and cost-effective option for them.

What's covered with Annual Multi-Trip Insurance?

When it comes to annual multi-trip travel insurance policies, most – if not all of them – will include cover for the following:

• Medical expenses – one year travel insurance policies will cover for the cost of healthcare and emergency treatment when on holiday.
• Cancellation and delays – your insurance will cover you if you have to cancel your trip or there are delays or issues with your flights.
• Lost luggage – if you lose your luggage, you may be reimbursed for the essential items you would need for your holiday.
• Stolen or lost belongings – if you lose or your personal belongings are stolen you may be covered for this as long as they are part of the personal possessions specified in your policy documents.
• Covid-19 – you can now get annual travel insurance with Covid cover in case Covid-19 affects your travel plans.

The best annual travel insurance will include cover for all of the following, but some details may vary depending on the provider. Always read the policy details carefully before making a decision.

Exclusions and Limitations

With any travel insurance policy, annual travel insurance in the UK comes with some limitations and exclusions, such as:

• Changing your mind and cancelling the holiday yourself because you no longer want to go. This will be specified in your policy documents and is referred to as “disinclination to travel”.
• Travelling against government advice and travelling to countries deemed as “dangerous”, your insurance will not cover you.
• Natural disasters – many insurers will not cover any damage or complications that occur due to natural disasters unless you take out natural disaster optional upgrade protection.
• Drugs and alcohol – if you suffer any injuries due to being under the influence of alcohol and drugs, you will not be covered for this.
• Going against local laws in the country you have travelled to.
• Refusing to get vaccinated for any preventable tropical diseases.
• Taking part in extreme sports and dangerous activities that you are not covered for.