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. Footnote [1] 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.

For more information on COVID-19 and travel insurance, see our Coronavirus: travel insurance page.

Leisure activities

From paddling in the sea to seeing the sights, most activities are covered

Emergency medical treatment

If you’re hurt or fall ill, we’ll be there to help with up to £10 million in cover

Lost or stolen money

If a pickpocket pinches your wallet or you lose your cash, you’re covered for up to £400

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.

What our annual multi trip travel insurance covers

What’s covered

With our annual multi trip travel insurance, here’s what you’ll be covered for as standard.

Up to £10 million for emergency medical expenses outside the UK:

  • Emergency medical treatment
  • Dental treatment for emergency pain relief
  • Emergency medical repatriation to the UK

Up to £5,000 if you need to cancel or abandon your trip due to:

  • Illness or injury of you or your travelling companion
  • Your redundancy
  • Your home being made uninhabitable by fire, storm or severe weather

Cover for your travel documents, money and delayed luggage:

  • Emergency travel document expenses up to £750
  • Cash and bank notes up to £400
  • Delayed baggage up to £150

Take a look at the policy document 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:

  • Cancelling or abandoning your trip if the Foreign, Commonwealth & Development Office (FCDO) advise against all travel or all but essential travel to the area you were planning to stay in – unless you’ve taken out the optional Travel Disruption cover
  • 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 personal belongings or baggage – unless you’ve taken out the optional Baggage cover
  • Cancelling your trip if an airport, port or airspace you’re due to travel from or to is closed – unless you’ve taken out the optional Airspace Closure cover
  • Missed connections where you’ve not left enough time for travel, such as transfers between airports
  • Any leisure activities which are listed as excluded in the policy wording
  • Out-of-date travel documents

Take a look at our policy wording for full details of what's not covered.

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 or renewing 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 document for more information on what we need to know about existing medical conditions and when you need to tell us.

Read our policy wording (PDF 374 KB)

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.

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

Maybe you’re dreaming of tropical sun warming your face or crisp snow crunching beneath your boots. Whatever your destination and whatever your trip involves, you can tweak your cover to make it right for you with our optional cover choices.

How our claims process works

At home or abroad, we’re here when you need us – online and over the phone.

You can only claim for an unexpected event. Our travel insurance doesn’t cover you for any event, incident or circumstances that you knew about – or could reasonably be expected to know about – when taking out your policy. That could be something that’s already happened, or is going to happen, and is likely to affect your travel plans.

Your travel policy provides cover for unrecoverable costs. If you need to make a claim for travel, accommodation or related costs, which you or any insured person has paid, we’ll consider claims for your costs that can’t be recovered from your travel and/or accommodation provider or agent, your debit or credit card company, PayPal, ABTA, ATOL (or similar organisations).

Step 1 of 3

Keep your documents handy

We're here to help 24/7 – online or over the phone.

For medical emergencies, call +44 1603 208 044.^

You'll need your policy number to start a claim – so it's a good idea to take a copy of your insurance documents with you.

Step 2 of 3

Expert review

Our experienced team will take a look at your claim and work out how best to help you.

We’ll review any photos or documents you’ve sent us as part of your claim, like receipts for emergency accommodation.

Step 3 of 3

We’ll respond quickly

We’ll aim to get back to you as quickly as possible to help sort things out.

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Read our latest news and guides for different types of trip away. 

Still need help?

If you’ve still got a question, find out how to get in touch on our contact us page.