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Annual multi-trip travel insurance is also known, more simply, as annual travel insurance. It’s an insurance policy that covers people who travel more frequently than the average traveller. If you embark on two or more trips a year, whether they’re holidays or for business, then you’re eligible for annual travel insurance.
We’ll go into the benefits in greater detail shortly, but some include:
For all insurance providers, it will depend on whether you’re travelling within Europe or elsewhere in the world. For European annual travel insurance, you will likely pay from £13 and above per year. For worldwide travel insurance, on average prices will start from approximately £25.
An annual travel insurance policy will cover you for the following:
An annual multi-trip travel insurance policy should cover you against costs associated with medical emergencies, treatment/recovery costs, overnight hospital fees, and the costs of repatriating if your accident/illness requires you to return home. You will need to tell your insurer about any pre-existing medical conditions that could potentially be related to an accident or illness experienced while you’re away.
As we have now left the European Union, the European Health Insurance Card (EHIC) you’d have taken with you will no longer apply. However, you should apply for the new Global Health Insurance Card (GHIC) which enables you to receive medical treatment as if you were a local wherever you are in the world.
If your flight is disrupted or delayed because of an insured event, an annual travel insurance policy will cover you. Likewise, if your trip has had to be cancelled or curtailed then most providers will provide cover of varying levels.
As with all travel insurance policies, an annual multi-trip plan will provide you with cover in the event that your luggage is stolen, lost or damaged by airline staff.
If your valuables are stolen while away, an annual policy should provide you with sufficient cover and this may even extend to losing your valuables and personal money.
As with general travel insurance policies, personal liability can cover the cost of any damage or injury you inadvertently cause while away.
An annual travel insurance policy will give you cover for the above but to varying levels. For example, if your luggage is valued at £1,000 then you should check that your insurer can actually cover you for this amount. You will most likely have a tiered system to choose from.
Most insurance providers have a list of exclusions that they will not provide cover for. Before you commit to taking out a policy, make sure you have a read-through of the exclusions. You will likely find that the following are excluded:
To build a quote that suits your situation and gives you the coverage you need, a prospective insurance provider will need some details from you. It’s in your best interest that you’re as accurate as you can be.
There are plenty of ways that you can reduce costs for your travel insurance. If you’re often travelling for business or recreation at various times throughout the year, it’s important that you’re not only covered but you can also save money.
Think about how often you travel in one year. If you are only making 1-2 trips per year then taking out a single-trip travel insurance policy will be the cheaper option for you. Compare single-trip insurance quotes and receive up to £27 cashback.
Get quotes from the UK’s most-trusted insurance companies so you can come to a decision based on your own needs.
It can help to limit your policy to the regions you’ll be travelling to. For example, there’s no need to pay for coverage in South America if you’re not going to travel to South America. You’ll end up overpaying for coverage you don’t need.
The point made above applies to your overall plan. When comparing quotes, think about your own situation and the protection you need to receive.
Many people opt for higher excesses because it generally brings down your premiums, which is a great money-saver. However, if you do this, make sure the excess you choose is affordable. If it’s not, making a claim will be more expensive.
Many bank accounts come equipped with (often limited) travel insurance, or at the very least mobile phone insurance. If you already have some form of insurance, you may choose another plan to supplement this coverage. Or, if the coverage you already have is sufficient, you’ll save money this way.
Whether it is a business trip or holiday, the unpredictable nature of long-haul travel has its ways and means of cutting your trip short or at least delaying it. Having sufficient coverage not only puts your mind at ease but it also allows you to enjoy your trip and get the most out of it.
From public transport and local thieves to adverse weather conditions and damaged luggage, exploring new and even familiar places brings with it many risks and reasons for you to claim. Annual travel insurance enables you to boldly step out of your comfort zone, safe in the knowledge that you’re covered come what may. Plus, your insurance works out cheaper the more you go away.
Another advantage of annual travel insurance is that there are no limits on the number of times you go away during the period in which you’re insured.
Most annual travel insurance plans do not cover you for winter sports and most other ‘extreme’ high-risk sports. If you intend to participate in such activities when you’re away then you should consider various add-on premiums that will cover you. Another disadvantage is that most annual travel insurance plans have a lower maximum age limit than other travel insurance types.
It’s usually 75 years of age but double check this with your provider.
There are a number of things that you will not be covered against, so you should consider what you need from a policy and what you can do without. If you do not travel as much as you perhaps thought, annual travel insurance will cost you more because it’s not being used. As we’ve said, it is in this instance that you should consider single-trip travel insurance.
You should inform your insurance provider of any pre-existing medical conditions you have. While it might increase your premiums, failing to share information like this with your provider could result in your policy being rejected.
To reduce the risk of infection, non-essential and international travel is not permitted before 17th May 2021. This is the earliest, with dates subject to change following any further government confirmation.
Yes. There may be certain conditions, but most insurance providers will protect you in UK destinations.
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