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Annual Trip Travel Insurance

Quotes from as little as £17.90*

Last updated: 19th March 2024

What is Annual Multi-Trip travel insurance?

Annual travel insurance is for the globetrotters of the world. If you're lucky enough to travel more than a couple of times a year, you're likely in need of an efficient way to manage your travel insurance. With its all-year-round coverage, an annual policy could be a game-changer. It eliminates the need for purchasing separate insurance policies for every trip while saving both time and money.

Annual Multi-Trip Travel Insurance is designed for those who travel multiple times a year, offering a convenient and cost-effective way to ensure you’re covered for every trip. It provides peace of mind, knowing that whether you're jetting off for business or leisure, your insurance needs are met for the entire year.

Whilst Annual Multi-Trip travel insurance may come with a higher up-front price tag compared to Single Trip insurance, it could prove a much more economical choice in the long-run. Especially when several more trips are waiting on your horizon! It's time to simplify your travel insurance and focus on what truly matters: your adventures.

We can help you compare Annual Multi-Trip travel insurance quotes so you're relieved of this troublesome task. We understand, travel insurance shopping can be a dull and time-consuming ordeal, especially when you're juggling it with your regular globetrotting exploits.

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Why do I need an Annual Multi-Trip policy?

This type of insurance is ideal for frequent travellers, adventure seekers, and anyone planning multiple holidays or trips abroad within a 12-month period. It's an efficient solution for those who find themselves booking travel insurance repeatedly throughout the year. With an Annual Multi-Trip policy, you don't have to worry about forgetting to purchase insurance for your next trip or scrambling to find a last-minute policy.

Moreover, it offers comprehensive coverage for all your trips. From medical emergencies and trip cancellations to lost luggage and flight delays, an Annual Multi-Trip policy has got you covered. It also provides flexibility in terms of trip duration, allowing you to travel for as long as 31 consecutive days or more, depending on the policy.

If you're someone who values convenience and peace of mind while travelling, an Annual Multi-Trip policy is a smart choice. It allows you to focus solely on your adventures without having to worry about insurance each time. Plus, with just one annual payment, you're covered for all your travels, making it a cost-effective option in the long run.

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How does an Annual Multi-Trip policy work?

An Annual Multi-Trip policy functions as a one-stop-shop for all your travel insurance needs within a 12-month period. Once you purchase the policy, you're automatically covered for an unlimited number of trips throughout the year, subject to each trip not exceeding the maximum duration stipulated by your policy - commonly up to 31 consecutive days. This means, whether you're jet-setting for a weekend city break in Europe or spending a couple of weeks on a beach in the Caribbean, you don't need to worry about arranging separate insurance for each trip.

The process is simple and straightforward. After purchasing your policy, you merely need to ensure that each trip starts and ends in the United Kingdom and doesn't exceed the allowed trip length. There's no need to notify the insurer about each trip unless you require additional cover for activities that aren't included in the standard policy. Cover includes a range of incidents, from medical emergencies and trip cancellations to lost luggage and delays, ensuring you're protected no matter where you are in the world.

Ultimately, an Annual Multi-Trip policy offers both convenience and peace of mind, allowing you to focus on enjoying your travels without the hassle of managing multiple insurance policies. It's an essential tool for anyone who travels frequently, providing comprehensive coverage at an economical price point when compared to purchasing several Single Trip policies.

Key Benefits

  • Year-Round Cover: One policy covers all trips made during 12 months, simplifying the insurance process.
  • Cost-Effective: Typically more economical than purchasing several Single Trip policies.
  • Flexible: Offers cover for trips of various lengths and types, from city breaks to longer holidays.
  • Peace of Mind: Provides emergency medical coverage, cancellation, personal belongings protection, and more, for every trip.
  • Convenience: No need to arrange insurance for each trip, making it an efficient and time-saving option for frequent travellers.
  • Global Coverage: Can be tailored to fit your travel plans based on a wide range of destinations.
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What destinations will an Annual Multi-Trip policy cover?

An Annual Multi-Trip policy typically offers a broad scope of coverage, making it an ideal choice for worldwide travellers. Generally, you have the option to select from several regions depending on where your travels will take you. These might include:

  1. Europe
  2. Worldwide excluding the USA, Canada, and the Caribbean, or
  3. Worldwide including all countries.

It’s essential to understand the specifics of your policy to ensure you’re covered for the destinations you plan to visit.

Most policies are designed to be flexible and cater to a wide range of travel plans. However, it's crucial to check for any excluded destinations, as certain countries with high risk factors may not be covered under standard policies. In such cases, you may need to purchase additional cover or opt for a specialised insurance provider.

The beauty of an Annual Multi-Trip policy lies in its inclusivity and the peace of mind it offers, knowing that whether you’re exploring the cultural hotspots of Europe, the vast landscapes of Africa, or the exotic beaches of Asia, you’re covered. Always ensure that your policy matches your travel itinerary, checking both the geographical coverage and any specific exclusions, to enjoy your travels with complete peace of mind.

What does an Annual Multi-Trip policy cover?

An Annual Multi-Trip policy is comprehensive, designed to address a wide array of concerns that frequent travellers may face. At its core, it covers medical emergencies, which include hospital stays, medical treatment, and, if necessary, medical repatriation. Beyond health concerns, it encompasses trip cancellations and interruptions, ensuring that pre-paid expenses are not lost in case plans change due to unforeseen circumstances.

Furthermore, it provides coverage for lost, stolen, or damaged luggage, giving you the assurance that your belongings are protected. Flight delays and missed connections are also covered, offering compensation for additional expenses incurred. For those who enjoy adventure, many policies include a range of activities; however, it's critical to verify that your particular interests, especially high-risk ones, are covered.

Cover can vary from provider to provider, so it is essential to always read the policy wording of your preferred policy to ensure you understand what is and isn't covered.

The main square in Lisbon city centre showing various statues and buildings

Tips for buying Annual Multi-Trip insurance

  1. Check Cover Options: Understand the different levels of cover including medical emergencies, trip cancellations, lost or delayed baggage, and personal liability is crucial in selecting the best policy for your needs.
  2. Review Your Destinations: Ensure your policy covers all destinations you plan to visit in the next 12 months.
  3. Adventure and Activities: If your travels include adventure sports or activities, check that these are covered. Some policies require additional coverage for activities deemed high risk.
  4. Duration of Your Trips: Make sure the policy accommodates the length of your typical trip, as some policies have limitations on the number of consecutive days of travel covered.

For the frequent traveller, Annual Multi-Trip travel insurance is a wise investment, offering convenience, cost savings, and comprehensive cover. By carefully selecting a policy that fits your travel habits and needs, you can explore the world with confidence, knowing you're protected in any eventuality.

At Compare Your Travel Insurance, we understand that selecting the right travel insurance policy can be a complex process, fraught with intricate details and varied options. Our site is designed to streamline this process, offering a user-friendly journey where you can quickly and easily compare quotes from our panel of leading insurance providers.

By entering your travel details, we can present a range of policies tailored to your specific needs, allowing you to compare the cover options, limits, and premiums at a glance. We're here to help you make the best decision for your travel insurance, saving you time and potentially money, whilst providing peace of mind for your upcoming adventures.

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* Price is based on 1 traveller aged 25, with no medical conditions and is travelling to Europe. The price is correct as of March 2024. Prices may vary according to your individual requirements.

Annual multi-trip insurance policies provide travel insurance for the holidays you take within a calendar year. Annual multi-trip policies are usually cheaper than a single trip policy, provided you plan to take 2 or more trips.

Annual policies are sold based on your intended area of travel and are priced accordingly. These are:

- Europe,
- Worldwide (Excluding USA, Canada, Mexico and the Caribbean), or,
- Worldwide.

Additionally, adult travellers (who are named on the policy) are covered when they travel together, but also when they travel independently.

As cancellation cover will only start from your policy start date, you may want to start your Annual cover when you book your first trip.

If you've already booked a holiday, it's a good idea to start your annual policy right away, as cancellation cover doesn't start until your policy start date - so you will not be covered until your policy is in force.

This depends on how often you travel. If you do not travel often, then a single trip policy would be ideal. This does mean you will need to purchase a policy for each holiday or short weekend away you take.

However, if you plan to take 2 or more holidays or trips away, within a calendar year then an annual-multi-trip policy might be better suited to your needs, as this could save you money in the long run.

When it comes to single trip policies, it's best to purchase a policy as soon as you book, as this will ensure that cancellation cover is in place. Regarding annual multi-trip policies, it's best to start your policy, as soon as possible, as cancellation cover only comes into force from the policy start date.

When your policy is due for renewal, your insurance provider may reach out to you to discuss your options for your renewal. However, you may find a better deal with us at Compare Your Travel Insurance. We will be more than happy to help!

A pre-existing medical condition is any diagnosed medical condition for which medical advice, care or treatment was recommended or received, before applying for your travel insurance policy.

We will need to know if certain conditions have ever been present, and for others, if they occurred within a certain period.

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 at the right price!

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