What is annual multi-trip travel insurance?
Annual multi-trip travel insurance covers you for multiple trips over a 12-month period.
This type of annual cover can save you money if you take more than one or two holidays a year and is an ideal solution for those that take frequent holidays and last minute breaks.
You’ll be pleased to hear that we work with over 30 specialist travel insurance providers to help customers compare cover and avoid paying a fortune.
And, through our quick and simple online comparison tool, you’ll be able to compare competitive quotes for annual cover in minutes.
Before you do, however - you might want to better familiarise yourself with the benefits of annual multi-trip cover. In which case, you can navigate your way through this page using the menu.
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What is the difference between single trip and annual multi trip travel insurance?
Single trip insurance covers you for a single trip, whereas annual multi-trip insurance will cover you for multiple trips throughout the year.
Annual cover will normally always be more expensive as a result. However, if you’re a frequent traveller, you’ll usually find it more cost-effective than taking out a single trip policy for each individual trip you embark on over a 12-month period.
What is covered with annual multi-trip travel insurance?
Obviously, coverage varies from provider to provider. But, broadly speaking - the main things you should look out for are:
- Cancellation - in case you need to cancel any of your trips.
- Personal Accident - in case you're liable to any damages resulting from an accident.
- Medical and Repatriation Expenses - to cover the costs of emergency medical care or repatriation back to the UK.
- Mobility Aids - to cover the things you rely on most.
- Baggage Loss - to cover your luggage for every trip.
- Theft - to cover any stolen belongings.
Additional coverage for pre-existing conditions depends on your individual needs and requirements.
When you use our online comparison tool, it’s easy to tell us about any pre-existing medical conditions. This enables us to find the most relevant quotes for you, from a range of specialist providers.
What are the different levels of annual multi-trip cover?
Yes, there are different levels of cover available with annual travel insurance - and this is influenced by the type of things included in your policy, such as who the policy needs to cover and the various destinations you plan on visiting.
- Worldwide excluding USA, Canada, Mexico, and Caribbean
This is an important thing to bear in mind when purchasing yearly travel cover. For example, you might have a trip planned to Europe in the coming weeks - but are you planning on travelling further afield later in the year?
It’s therefore wise to have a good idea about where you plan on travelling to throughout the year before you purchase an annual multi-trip policy.
Also, feel free to add any optional extras that you need - such as gadget cover, cruise cover or winter sports cover.
This may increase your premium, but it’s definitely something to consider when shopping around, especially if you have different types of holidays planned.Get a quote
Things to consider when looking for annual multi-trip cover
Please be aware, the majority of travel insurance providers have an ongoing medical warranty, which means you are required to inform them if you have a change in health or medication during the life of your policy. This is so they can update their records and ensure you have the right level of cover in place for any future trips. Failing to report any changes could invalidate your policy.
You may not want to start your annual policy yet as you're not travelling for a while and you want to get the most value from your 365-day cover. However, doing this can leave you without any cover for cancellation.
Unlike single trip cover where you are covered for cancellation from the moment you pay for the policy, cancellation cover on annual policies does not kick in until the policy start date. If you have any holidays booked, it's wise to start your annual policy on the same day you pay for it! It's also worth knowing that some insurers will not offer quotes for annual multi-trip travel cover if you want the start date to commence too far in advance.
When applying for cover, also check that the maximum duration per trip is enough to cover the length of any long stay holidays that you’re planning. For example, if you’re going away for 45 days, and the policy terms state 31 days per trip, it will not fully cover you and you may want to look at other options or even single trip cover.
Normally, with family annual travel insurance, adults are permitted to travel alone or together without the children, but one adult insured on the policy must accompany a child. It’s worth checking your policy wording, as terms and conditions can vary.
And, last of all - everyone insured on an annual policy must also live at the same address.
Compare deals for the best annual travel insurance cover
Medical Travel Compared searches over 30 specialist travel insurance providers to find you the most suitable cover.
When using our comparison tool, we will list available policy options that match your criteria in price order. But please remember, the cheapest option may not necessarily be the best for your individual circumstance, so we urge you to check the summary of cover detailed with each quote.
It’s easy to get started. Just click the button below and compare quotes for annual cover in minutes!Get a quote
Frequently Asked Questions
We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.
Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.
This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.
For more information, we recommend reading our full guide here.
If the FCDO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.
You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCDO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.
For more information, we recommend reading our full guide here.
* Price is based on 1 traveller aged 61, with no medical conditions and is travelling to Europe. Price is correct as of December 2019. Prices may vary according to your individual requirements.
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If we're unable to help you find cover for a pre-existing medical condition, the Money and Pensions Service (MaPs) have launched a new directory listing companies that may be able to assist you. You can find out more information on their website.