What is Annual Multi-trip travel insurance
Annual Multi-trip travel insurance covers you for as many trips away as you want (including cruises as long as you've told us about them), while the policy lasts. With our Aviva Signature travel insurance, you can get cover if you’re aged 16 to 79. 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 are away from home for at least two nights in a row, and you have either, pre-booked holiday accommodation in a commercially run premises, or prepaid bookings on public transport including flights or ferries.
However, two examples of when you won’t be covered are:
- any claim if you travel against the advice of the FCDO or do not comply with advice or measures which have been put in place by a government in the UK or overseas, quarantine rules or curfews
- any claim where the event, incident or circumstances already existed when you purchased your policy or booked your trip (whichever is later). For example, you’re aware of the serious illness of a close relative or travelling companion, which could reasonably be expected to affect your travel plans.
The benefits of travel insurance
Sports and activities
We'll cover you for activities such as tennis or golf, bike rides and archery
Health comes first
Aviva Signature travel insurance will cover your emergency medical treatment up to £10 million per person while you're on a trip Footnote [1]
Need to cancel or come home early?
If you have to cancel your trip or come home early, we’ll cover unrecoverable travel and accommodation costs up to £5,000 per person
What our Aviva Signature Annual Multi-trip travel insurance covers
Check what is and isn't included in our standard cover then decide if you need any optional cover.
What's covered
Both Aviva Signature Single trip and Aviva Signature Annual Multi-trip insurance offer standard cover. This is what you’re covered for, per person per trip, if you haven’t taken out any optional extras.
Up to £10 million per person for emergency medical expenses outside the UK:
- Emergency medical treatment
- Dental treatment for emergency pain relief up to £1,000 per person
- Bringing you back to the UK in a medical emergency
If you have to cancel your trip or come home early, we’ll cover unrecoverable travel and accommodation costs up to £5,000 per person (Conditions apply) due to:
- Illness or injury of you or your travelling companion
- Your redundancy
- Your travel or accommodation provider becomes insolvent
- Your home being burgled or made uninhabitable following severe damage
- Cover for cancelling your trip or coming home early if the Foreign, Commonwealth and Development Office advises against travelling to your destination within 31 days before your departure or while you are away
Cover for unexpected costs:
- Travel disruption cover up to £5,000 per person
- Emergency travel document expenses up to £1,250 per person
- Missed transport costs up to £1,000 per person
- Emergency medical supplies up to £250 per person
- We'll pay £25 per person for each 12 hour period if your pre-booked transport is delayed and you decide to continue your trip. Maximum £250
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:
- Any event, incident or circumstance which had already happened, or was going to happen, at the time you took out or renewed your policy, added any optional cover or booked your trip (whichever is later) – and could reasonably be expected to affect your travel plans
- Any claim if you travel against the advice of the FCDO
- Any costs which are recoverable from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL (or similar organisation)
- Your belongings – unless you’ve taken out the optional Your belongings cover
- Any claim for missed transport where you've not left enough time for travel, such as transfers between airports
- Any sports activities which are listed as excluded in the policy wording
- Out-of-date travel documents
- Booking a trip or travelling when the insured person has received a terminal prognosis
- Claims will not be covered if your trip involves a cruise, unless cruise cover is specifically listed on your policy schedule
Take a look at the policy wording for full details of what's covered.
Important documents
Sit down and make sure you’re familiar with how our polices and services work. You can find the information you need in our Travel insurance policy wording (PDF 374 KB), Important information document (PDF 87 KB), and Insurance Product Information Document (PDF 74 KB). You can also read more About our insurance services (PDF 25 KB).
Boost your cover with optional add-ons
Your belongings
You can choose to add optional cover for your belongings if they are lost, stolen or damaged during your trip. This cover applies for each person for each trip. It includes:
- Up to £2,000 for belongings and valuables combined. This includes £400 for all valuables in total, an individual item, a pair or a set
- Up to £500 for money, limited to £100 if the insured person is under 16 years old
- Up to £1,500 for golf equipment
Winter sports
Winter sports optional cover gives you extra protection while you're taking part in certain winter sports activities. It covers ski equipment, holiday disruption, piste closure and if you are unable to take part due to illness or accidental injury.
- Aviva Signature Single trip cover – for the duration of your trip.
- Aviva Signature Annual Multi-trip cover –for up to 31 days per trip.
- Cover limits and exclusions apply.
Extended stay
If you're planning a longer trip, you can pay extra to extend your cover to 45, 60 or 90 days with our Aviva Signature Annual Multi-trip cover.
What we need to know about your health
We need to know if you, or anyone covered, has had any diagnosed illness, injury, or disease in the 12 months before buying or renewing your cover, where they've:
- been prescribed medicine, including newly prescribed or repeat medication
- received or are waiting for medical treatment, investigations or tests
- been referred to, is under the care of, or has had an appointment with a specialist or consultant
- been admitted to hospital or had surgery
It’s important you tell us about any pre-existing medical conditions. If you don’t, we may not pay a claim or withdraw cover entirely.
Medical treatment abroad can be extremely expensive. Travelling without cover for pre-existing conditions could lead to serious financial implications if you need treatment while you’re on a trip. It could also mean we may not pay a claim for cancelling the trip for any insured person if you become ill before your trip.
Look at the Your health section of the policy wording for more information on what we need to know about pre-existing medical conditions and when you need to tell us.
Pre-existing medical conditions
If we can cover a pre-existing medical condition we will, and this will be reflected in what you pay.
If we can't offer a policy due to your pre-existing medical conditions, or we can, but you're not satisfied with the price, you might be able to get cover from a specialist medical insurer instead. The UK government lists these specialist insurers for you to check out on MoneyHelper.
We work with All Clear, a specialist travel insurance provider, 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.
Calls to 0800 numbers from UK landlines and mobiles are free. Telephone calls may be recorded and/or monitored for training purposes.
Get a quote for your next trip
Tell us some details about your next trip to get a quote.
Buy with confidence
You can add up to eight friends or family members to your policy.
If you already have another policy with us, we'll give you a 10% discount on new Annual travel insurance policies. T&Cs apply.Footnote 2
We’ve got endorsement from experts.
Over 69,000 people have chosen Aviva for travel insurance in the last 12 months. Correct at February 2026.
Explore Aviva Signature single trip insurance
- Get cover for single trips up to 120 days, up to age 79.
- Includes cover for cruises if you've told us about them.
- We also cover UK holidays for two nights or more.
- Optional cover for belongings and winter sports.
Contact us
Making a claim 
If something happens, we’re here for you. You can get in touch with us online or give us a call – whichever is easiest for you.
Before you start your claim, remember that your policy covers you for costs that you can’t recover from your travel agent, accommodation provider, debit or credit card company, PayPal, or organisations like ABTA and ATOL.
Contact us
Whether you want to contact us online, or need to speak to us about a claim - or maybe just need some general advice - you’ll find the right details here.
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