What is annual multi trip travel insurance
Annual multi trip travel insurance covers you for as many trips away as you want while the policy lasts. With us, you can get cover if you’re aged 16 to 74. Each of your trips can last for up to 31 days, and you can stretch that to 90 days if you need to. For an additional premium, cover can be extended for trips of up to 45, 60 or 90 days. We also cover UK holidays if you’ve got accommodation pre-booked for at least two nights in a row.
However, two examples of when you won’t be covered are:
- travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or any local authority in the UK or abroad – for example, if your decision to travel breaches quarantine or lockdown rules
- needing to cancel a trip because of measures, such as FCDO advice against travel or local UK lockdown restrictions, which were already in place when you took out your policy or booked your trip.
Benefits of travel insurance
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Leisure activities
From strolling the streets to taking a dip in the pool, cover is available for most activities
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Emergency medical treatment
If you fall ill or are injured, we’re here to help with cover up to £10 million
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Lost or stolen money
If your pocket is picked or money goes missing, you’re covered for up to £500
Please see What does our travel insurance cover? or policy document for further details on what is and isn’t covered.
The advantages of annual multi trip travel insurance
One of the main benefits is that you're covered for as many trips as you want during the 12 months the policy lasts. So you don't need to get separate cover every time you travel, which could save you money.
With our annual multi trip cover, we can be a partner by your side if the unexpected happens. Helping with things like medical emergencies, if you need to cancel or come home early, or issues to do with your money or travel documents.
Your other travel insurance options
If you’re only planning on one or two trips away this year, single trip insurance might be a better fit for you. Find out more about our single trip travel insurance.
Planning a trip?
What does our travel insurance cover?
What’s covered
With our annual multi trip cover, here’s what you’ll be covered for as standard.
Up to £10 million for emergency medical expenses outside the UK:
Up to £5,000 if you need to cancel or abandon your trip due to:
Cover for your travel documents, money and delayed luggage:
Limits are based on per person, take a look at the policy wording for full details of what's covered.
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
Take a look at our policy wording for full details of what's not covered.
Important documents
What we need to know about your health
It’s important to let us know about any existing medical conditions or we might not be able to pay out for claims relating to them. We need to know if anyone covered by your policy has had any illness, injury, or disease in the 12 months before purchasing the policy where they’ve:
- been prescribed medication, including new or repeat prescriptions
- received or are waiting for medical treatment, tests, or investigations
- been referred to, or under the care of a specialist
- been admitted to hospital or had surgery.
Look at the Your health section of the policy wording for more information on what we need to know about existing medical conditions and when you need to tell us.
Existing medical conditions
If we can cover an existing medical condition, your price will include the cost of covering this. However, sometimes we can’t offer cover for certain medical conditions. If this happens, or you’re not happy with the price we quoted, you may be able to get cover from a specialist medical insurer instead.
The Government’s MoneyHelper service has a list of these insurers. You can go to the Money Helper website or call 0800 138 7777.
We work with a specialist travel insurance provider, All Clear, who may be able to cover you. You can contact them on 0800 848 8693 or head to their website.
If you have symptoms that haven’t been diagnosed yet, you may need to wait for a diagnosis before you’re able to get cover.
Optional cover
You can tailor your travel insurance to cover the specifics of your trip by choosing from our optional extras.
Travel disruption cover
Make sure you’re covered for cancellations and delays – even if the FCDO advise against travelling.
Airspace closure cover
Depending on where you are, the airport you’re flying from, or even the airspace itself, could be fully or partially closed. Protect yourself against the unexpected.
Baggage cover
Keep your personal belongings and baggage and valuables covered against loss, theft, or accidental damage.
Winter sports cover
Feel confident as you hit the slopes with cover for ski equipment, accidental injury, avalanche delays and piste closures.
Golf cover
Make sure your golf clubs and hired equipment are covered, as well as your green fees if you’re ill or injured.
Scuba diving cover
Your standard cover lets you dive up to 15m – if you want to go deeper, you can get covered up to 30m, as long as you’re diving with a qualified diving instructor or dive master.
Contact us
We’re always here to support you, with emergency lines open 24/7.
Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 01 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
Or choose the number that best fits your circumstances and give us a ring.
Medical emergencies abroad
0044 1603 208 044
Open: 24 hours a day
Non-emergency travel claims abroad
0044 1603 603 716
Monday - Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Non-emergency travel claims in the UK
0345 030 6983
Monday to Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Travel assistant
01603 208 045
Open: 24 hours a day
Legal expenses claims and advice
0044 1603 208 244
Open: 24 hours a day
