There are well over 400 different Annual/Multi Trip travel insurance polices to choose from, read our Annual Travel Insurance Guide to help you understand whether this is the right type of insurance for you and your family.
This guide covers:
Travel has become cheaper and easier, and more of us are having several holidays a year. In 2016 City Breaks to European destinations grew by 7% compared to the previous year. (source Office for National Statistics)
If you are planning to take two or more trips abroad in a year, then an annual travel insurance policy or multi trip travel insurance as it is also known, may save you money. Purchasing several “single trip insurance policies” may well work out to be more expensive than an annual one. Using the search facility below, you are able to compare both types of policies to see which one is cheaper.
Annual Travel Insurance is suitable for anyone in the list below, who are looking to take at least two trips away a year. The policy is ideal for individuals or couples who regularly take advantage of last minute bookings, or who are in a position to take a break at short notice and may not have time to organise any Insurance before they leave.
Most Annual Travel Insurance policies allow for unlimited trips during the year, some however do have restrictions and so this is one area its important to check on your policy. Most policies allow for a maximum trip duration of 31 days per trip, so an Annual Travel Policy is not going to be suitable for someone wishing to stay away for a long period of time. Generally though the range of Annual Trip, Trip duration varies from 17 days up to 90 days though this information is not necessarily easy to find until you have gone through the quote process with an Insurance Provider. You should also check if your age puts limitations on the trip duration you can take advantage of, as some policies will restrict you to a maximum of 31 days if you are considered a higher risk.
There are other options for longer stay insurance, you can look at single trip insurance as many policies offer up to 365 days, or longstay insurance which is specifically designed for this.
Use the our search tool and find an insurance policy that suits your needs, click on the insurance providers logo or search insurance providers to find out key information about the policy you are considering.
When is annual multi trip cover not suitable? An annual travel insurance policy may not be suitable if you will be staying at your holiday destination for longer than 90 days. In this scenario you would need to take out a long stay travel policy, or a longer term single trip policy.
It may not be suitable if you are undergoing medical tests for an existing condition that may mean you'd need to declare pre-existing conditions before you travel later in the year.
In this instance a pre-existing medical condition single trip policy taken out just before travelling would ensure you are correctly covered.
You should also be aware that many annual insurance policies have upper age limits normally 60 – 65. Anything over this age is either not available, or very expensive, as Insurers have to factor in the increased risks involved. There are however Insurers that specialise in holiday insurance for over 65's and you can read about them here.
All policies exclude any claim that is alcohol related. As most people will have a drink when they go on holiday, this is an important consideration. The top policies offer guidance as to what is deemed acceptable and if drinking is going to be an important part of your vacation, then look for a policy that provides a benchmark.
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Annual
Europe
Individual
Age: 30 - 39
Trip Days: 365
50
Medical Expenses 20,000,000
Cancellation 6,000
Missed Departure 1,000
Delayed Departure 350
Baggage 3,500
Personal Accident 80,000
Personal Liability 2,000,000
Legal Expenses 50,000
Annual
Europe
Individual
Age: 30 - 39
Trip Days: 365
50
Medical Expenses 10,000,000
Cancellation 7,500
Missed Departure 1,500
Delayed Departure 500
Baggage 3,500
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 25,000
Annual
Europe
Individual
Age: 30 - 39
Trip Days: 365
50
Medical Expenses Unlimited
Cancellation 5,000
Missed Departure 1,000
Delayed Departure 315
Baggage 2,000
Personal Accident 50,000
Personal Liability 2,000,000
Legal Expenses 50,000
Annual
Europe
Individual
Age: 30 - 39
Trip Days: 365
50
Medical Expenses 15,000,000
Cancellation 5,000
Missed Departure 1,500
Delayed Departure 240
Baggage 3,000
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 50,000
Annual
Europe
Individual
Age: 30 - 39
Trip Days: 365
0
Medical Expenses 10,000,000
Cancellation 7,500
Missed Departure 750
Delayed Departure 300
Baggage 3,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 100,000
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