Multi-trip Travel Travel Insurance Review

Multi-trip Travel Travel Insurance Review

Reviewed by:

With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of Multi-trip Travel and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Multi-trip Travel Travel Insurance

Multitrip.com is a trading name of Blue Insurances Ltd who are authorised by the Central Bank of Ireland. Blue Insurance also own Annualtravelinsurance.com and Greatcover.com. Choose from three levels of cover, Essential, Premier and four star rated Premier Plus, with annual travel insurance starting from just £19.99, there is a policy to suit all levels of cover and budget.

The policies are underwritten by MAPFRE Assistance and administered by Blue Insurances Ltd. Both organisations are regulated by the Financial Conduct Authority.

How to Buy Travel Insurance from Multi-trip Travel

Click on the website link to go directly to the insurance providers website. Visit Multi-trip Travel's Website and Get a Quotation direct

How Multi-trip Travel Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Multi-trip Travel.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Multi-trip Travel Travel Insurance. They are - Premier Plus - Premier - Essential. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Essential:

Multi-trip Travel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Multi-trip Travel Travel Insurance. They are - Backpacker. We have rated these as follows:-

Rating for Backpacker Backpacker:

Multi-trip Travel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Multi-trip Travel Travel Insurance. They are - Premier Plus - Premier - Essential. We have rated these as follows:-

Rating for Annual Premier Plus:

Rating for Annual Premier:

Rating for Annual Essential:

Multi-trip Travel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Multi-trip Travel Longstay Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.
  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.
  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.
  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

Key Points you need to know about Multi-trip Travel's policy wording

1. What is the age/classification of a child on the policy?

Children means anyone under the age of 19 (under the age of 24 if living at home and in full time education)

Any child under 16 are not allowed to travel independently. Any child age 16 years and over, may travel independently, provided they are travelling on an organised school or college trip and with a responsible adult.

2. What are the policy age limits?

A single trip policy may be taken out by anyone up to the age of 79 (at time of purchase)

An annual trip policy may be taken out by anyone up to the age of 75 (at time of purchase)

A Backpacker policy may be taken out by anyone up to the age of 49 (at time of purcahse)

3. What are the policy Trip Duration limits?

SINGLE POLICIES

All three single trip policies can  be taken out for up to 12 months, provided you are aged 49 or less.

A premier and Premier plus policy can be taken out for up to 12 months provided you are aged 67 years or less.

For those aged between 68 and 79, trips are restricted to a maximum of 35 days and Premier or Premier plus cover only. 

ANNUAL POLICIES

Annual policies allow for an unlimited number of trips abroad throughout the policy year, however each trip is restricted as follows.

Up to the age of 49 Essential cover 31 days, Premier or Premier Plus cover 60 days.

Up to the age of 65 60 days Premier or Premier Plus cover only.

Between the ages of 66 and 69 31 days Premier or Premier Plus cover only.

Between the ages of 70 and 75 21 days Premier or Premier Plus cover only.

BACKPACKER

A backpacker policy may be taken out for up to 12 months in duration.

4. What are the options for Winter Sports cover?

Winter sports can be added to a single trip policy for the duration of the trip, or annual travel policies for a maximum of 18 days, provided you are aged 65 years or under.

Acceptable winter sport activities include Guided cross country skiing (Nordic skiing), glacier skiing, mono skiing, off piste skiing or snowboarding except in areas designated as unsafe by local resort management unless accompanied by a locally qualified guide, recreational racing, skiing, snowboarding, snowmobiling, tobogganing and snow sledging.

This section includes cover for Ski Equipment, Equipment Hire, Ski Pack, Piste and Avalanche Closure.

5. What is classed as a family and how many people can be quoted for?

All policies may be taken out by a single individual, couples, families (one or two adults and up to eight dependent children.

A policy may also be taken out by up to 12 individuals who may not be related but who must travel together, although there is no premium discount for this option.

6. What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The multitrip policy states you should obtain a European Health Insurance Card, if you are travelling to a European Union country. You should also enrol in Medicare, if travelling to Australia and you need medical treatment.

If a reciprocal agreement such as the EHIC or Medicare reduces any medical expenses claim, then the excess will be waived.

7. What is covered under Sports and Activities on the policy?

Sporting activities are split into different grades 1 - 4. Grade one lists 66 different pursuits that are covered as standard (some activities exclude personal liability cover).

A further 40 activities split between grades 2 - 4 can be added, provided you pay the relevant additional premium and in the event of a claim the increased excess.

8. What are the policy Alcohol Exclusion terms?

Claims where you drink too much alcohol are excluded. Multitrip do not expect you to avoid alcohol on your trips, but will not cover any claims arising because you have drunk so much alcohol, that your judgement is seriously affected and you need to make a claim as a result.

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

Automatically covered on all policies apart from the backpack policy

10. Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre existing medical conditions are excluded under the policy with the exception of certain minor medical conditions, a list of which are printed in the policy wording. For any other medical condition you will need to phone the medical screening helpline.

There is currently no facility to underwrite medical conditions online at the point of sale.

11. What are the policy rules on travelling when pregnant?

The policy will only provide cover in respect of pregnancy where there is an unforeseen complication, a list of which is provided in the policy wording.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The Multitrip policy excludes Your engagement in or practice of manual work including:

  • Hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or
    hydraulic plant (other than in a purely managerial/supervisory, sales or administrative capacity).
  • Work in connection with a profession, business or trade for example: plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder.
  • Working with wild animals of any kind.
  • Work of any other kind except bar and restaurant work, amateur musicians and singers, chalet maids, au pair/nanny, retail work, fruit picking and occasional light manual work at ground level but excluding the use of power tools or machinery.

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Receipts for items lost, stolen or damaged and or proof of ownership should be retained to help substantiate your claim.

14. What does the policy cover in the event of war, terrorism or cyber attack?

War and Terrorism are excluded under the policy with the exception of claims for emergency medical expenses, hospital benefit and personal accident.

15. Does the policy cover natural disaster or catastrophe before and during my holiday?

The Premier and Premier plus policies provide a small amount of cover for alternative accommodation in the event of a natural disaster. This can be greatly extended by opting for the travel disruption cover, for which an additional premium is payable.

16. Do I have to be a UK resident to be covered under this policy?

You must be permanently resident in the United Kingdom and have been for the previous six months.

Multi-trip Travel's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on multitrip-com-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Multi-trip Travel compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Multi-trip Travel Policies

We've highlighted Pro's and Cons for Multi-trip Travel, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Multi-trip Travel.

  • Premier Plus Policies rated four stars
  • Cover for scheduled airline failure automatically included on single and annual travel policies
  • Premier Plus cover includes end supplier failure as standard
  • £3.95 Handling Fee on top of quotation
  • Pre existing medical conditions cannot be underwritten online at the point of sale. You will need to contact the medical screening helpline

What Cover do Multi-trip Travel policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Essential

    Annual

    Premier

    Annual

    Premier Plus

    Annual

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Essential

    Single Trip

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    195

    95

    50

    50

    95

    195

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,000

    3,000

    5,000

    5,000

    3,000

    1,000

    2,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    40,000

    40,000

    25,000

    10,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    1,500

    3,000

    3,000

    1,500

    1,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    250

    350

    350

    250

    200

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    250

    350

    350

    250

    200

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    1,000

    1,000

    500

    250

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    3,000,000

    3,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    0

    15,000

    20,000

    20,000

    15,000

    0

    10,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    2,000

    2,000

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    25,000

    40,000

    40,000

    25,000

    10,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    1,000

    1,000

    500

    250

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    0

    250

    250

    250

    250

    0

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    250

    300

    300

    250

    0

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    150

    200

    200

    150

    0

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    750

    1,000

    1,000

    750

    0

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    500

    1,000

    1,000

    500

    0

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    1,000

    2,000

    2,000

    1,000

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    500

    1,000

    1,000

    500

    0

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    2,000

    2,000

    1,500

    1,500

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Multi-trip Travel.

Listed below are some Sample Quotes offered by Multi-trip Travel

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 14

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 14

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 71 - 75

Trip Days: 365

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 365

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Premier

95

Medical Expenses 20,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 150

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 15,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 26 - 29

Trip Days: 270

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Backpacker

100

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 270

Multi-trip Travel Travel Insurance Review
Product Rating

Experience Rating

Backpacker

100

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000