Annual Multi-Trip Travel Insurance

Annual multi-trip travel insurance covers multiple trips within a 12-month period under one policy, each up to a specified trip length. Always check your policy wording for details on what cover is included.

Single-trip covers one journey, while annual multi-trip insurance covers multiple trips for a year, which makes it ideal for frequent travellers. It is worth noting that annual multi-trip can also feature different cancellation terms.

Most policies allow unlimited trips to the region of cover listed in your policy as long as each stay is within the trip length limit, often 31 or 45 days. Its best to check your policy for any coverage limits that may apply.

When purchasing your policy, you’ll need to inform your insurer which regions of the world you plan to visit, as available options can differ and some countries may be excluded. Always check that you have appropriate cover in place for every destination on your itinerary before you travel.

It covers emergency medical costs, cancellation, lost luggage, delay, and more, with optional extras for activities like winter sports or cruises.

If you travel more than twice a year, it’s usually more economical and convenient than buying separate single-trip policies. Plus, you can make use of last minute getaway deals to anywhere covered by your policy with peace-of-mind that you already have travel insurance in place.

Yes, if declared during medical screening and accepted by the insurer. Always disclose any medical conditions you or any other travellers have who are covered by your policy to make sure you remain covered when travelling.

Most insurers offer couples or family cover for insured travel under one policy. It's a good idea to make your insurer aware of any medical conditions experienced by anyone travelling on your policy as son as possible, otherwise your travel insurance may become invalid.

Some policies cover business travel as standard, while others may require an additional upgrade, so it’s important to review the terms of your policy before you travel.

Some insurers allow upgrading to Worldwide during the policy year with additional premiums or endorsements, though Worldwide cover may still have some destination limitations where cover would not apply. Always check with your provider.

Going beyond the maximum trip duration could invalidate your cover. Some insurers may allow you to extend it, but this usually requires arranging it in advance and paying an additional premium.

Most policies don’t place a limit on the number of claims you can make, but frequent claims could impact your renewal terms or premiums.

Purchase before your first trip for full coverage. Some providers cover trips already booked if purchased in advance, but this might affect the cover your receive, always check your policy wording carefully.

Some policies include cruise travel automatically, though many others, like Plant Voyage, require Cruise Cover added as an optional add-on. Always check what your chosen policy will cover before you purchase.

The excess is typically charged per person for each claim rather than per trip. It is also worth noting that some policies apply different excess amounts for areas such as medical expenses, baggage, or cancellations.

Generally, policies do not provide cover for destinations subject to government travel advisories, such as FCDO “do not travel” warnings. It’s important to check any cover restrictions before making your trip booking.