ANNUAL MULTI-TRIP INSURANCE
Planning several trips? Ask about annual options and the conditions that apply to each journey.
Enjoy year-round protection for unlimited trips with one simple annual policy.
Find tailored travel insurance at the right price by comparing deals from the UK’s leading insurance providers.
Annual multi-trip insurance is a travel policy that covers you for every trip you take within 12 months. Instead of purchasing single-trip insurance each time you travel, one policy provides year-round protection. Most insurers set a maximum duration for each trip (commonly 30, 45, or 60 days), but you can take as many trips as you like within the year. Your cover starts from the moment you purchase the policy and lasts until the end of your chosen 12-month term.
If you travel often, annual cover is usually more cost-effective than buying separate policies for every holiday.
An annual policy works exactly like regular travel insurance; the only difference is that it applies to every trip you take throughout the year.
Once you buy your plan, you are protected for all eligible trips without needing to reapply or fill in new details each time. You simply book your flight, pack your bags, and go.
Here’s how it works in practice:
It’s the simplest way to stay insured all year, especially if you take multiple holidays, attend business events, or travel spontaneously.
What’s covered
While cover varies by insurer, annual multi-trip policies typically include:
Protection for medical bills, hospital stays, prescriptions, and emergency medical transport if you fall ill or get injured abroad.
If unforeseen circumstances force you to cancel a trip before you go, or return home early, many policies help reimburse the costs.
Cover for your belongings, valuables, and personal items during any trip within the policy year.
Compensation if flights are delayed, cancelled, or missed due to events outside your control.
Cover for legal fees if you accidentally injure someone or damage property while abroad.
Useful if you frequently travel with phones, cameras, tablets, or laptops.
Some policies include or allow add-ons for laptops, work equipment, and business-related cancellations.
If you ski, snowboard, hike, or take part in adventurous activities, add-on cover ensures you are protected all year.
What’s not covered?
Annual policies won’t cover everything, so it’s important to check the details. Common exclusions include:
Always read your policy and double-check what is and is not included, especially if you travel for long periods or take part in specific activities.
Annual multi-trip travel insurance is ideal for frequent travellers because it offers convenience and value. You only buy one policy per year, so you are covered whether you are taking a planned holiday or a last-minute city break. It often works out cheaper than multiple single-trip policies, especially if you travel three or more times a year.
It also provides consistent cover. Once activated, your protection applies to every eligible trip without paperwork or additional payments. If you regularly travel for business or leisure, annual insurance gives you peace of mind without the hassle of buying new cover before every trip.
Annual policies may not be the cheapest option if you only travel once or twice a year. They also have trip duration limits, which means longer trips, like backpacking for several months, may require a long-stay or 90-day policy instead.
Certain activities or destinations may require additional add-ons, which can increase your premium. And if you have complex medical conditions, you’ll need to make sure your chosen policy covers them for every trip.
It can be especially if you travel more than twice a year. Frequent travellers usually save money with an annual policy compared to buying separate cover for every trip.
Most insurers offer 30, 45, or 60 days per trip. You can choose the duration that fits your travel style
Yes, as long as you declare the condition during your application and choose a provider that covers it. Some may charge extra depending on the condition.
Many annual policies include business travel or allow you to add it on. This is helpful if you travel for work throughout the year.
Yes. You can take as many trips as you like within the year, as long as each one stays within your policy’s maximum trip length.
Absolutely. Most insurers offer optional upgrades for skiing, snowboarding, hiking, water sports, and other activities.
