Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 20th Oct 2022

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.

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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.

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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.

Choose from:

  • Europe 
  • Worldwide excluding USA, Canada, Mexico, and Caribbean
  • Worldwide

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.

Optional Extras

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.

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Dr Sarah Jarvis, MBE

What is a pre-existing medical condition?

Dr Sarah Jarvis is the Clinical Director of the Patient Platform, an active medical writer, broadcaster, and the resident doctor for BBC Radio 2.

A pre-existing medical condition means a condition that you have been diagnosed, or treated for, prior to you taking out your travel insurance policy. This may be a health condition you have now or one that you no longer suffer from, but have had in the past. Whilst you’ll need to tell us about most pre-existing health conditions if you have been diagnosed or treated for them (including repeat prescriptions) within the last 2 years, some conditions, such as heart or respiratory-related conditions, we’ll need to know if you’ve ever had them.

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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!

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Frequently Asked Questions

The number of trips is not limited on an annual policy so you can go away as many times as you want!
With annual trip cover, some insurance providers will have a maximum number of days that you will be covered for during the year so always check your policy wording. The maximum duration of a trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
Depending on whether you select European or Worldwide cover, your insurance provider will cover most countries within that area. However, there may be some countries that your insurance provider will be unable to cover you cover for, including any countries which the Foreign & Commonwealth Office have advised it is unsafe to travel to. Always check your policy wording if you are unsure if your country will be covered.
Some insurance providers will have age limits on their annual trip cover. If you are finding it difficult to get annual trip cover, we would recommend trying a single trip quote, as you are more likely to find cover this way.

A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!

You can send your question to our team, or visit our help centre on Annual Multi-Trip policies.

* Price is based on 1 traveller aged 61, with no medical conditions and is travelling to Europe. The price is correct as of July 2024. 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 Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.

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