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Compare annual multi-trip travel insurance

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annual multi-trip insurance
annual multi-trip insurance

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Compare the UK’s most reputable policies and prices to find the right annual multi-trip insurance plan for you.

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Why compare annual multi trip travel insurance here?

Whether it’s for business or recreation, taking out sufficient travel insurance is really important if you travel more than most people in one year. There are plenty of plans out there, but why should you compare? 

Not only do you get countless quotes from trusted insurers, but we’re also able to give you cashback for comparing with us. In fact, you could get up to *£33 cashback added to the savings you’ll have already made by comparing. 

We’re here to help you find an annual multi-trip travel insurance plan that covers you wherever you go in the world and at whichever times of the year.

What is annual multi-trip travel insurance?

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: 

  • Peace of mind in that you make just one payment but receive 12 months’ cover
  • You’ll receive coverage for an unlimited number of holidays and business trips (many providers will fix certain limitations on the length of holidays and business trips)
  • The more you travel, the greater savings you’ll make

How much does annual multi trip travel insurance cost on average?

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.

What does annual multi trip travel insurance cover?

An annual travel insurance policy will cover you for the following:

Medical expenses

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.

Missed departures, delays, cancellations or curtailments

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. 

Stolen, lost or damaged luggage

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.

Valuables and personal money

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. 

Personal liability cover

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. 

What is generally excluded from annual travel insurance?

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:

What do I need to take out an annual multi-trip policy?

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.

  • How old you are
  • The purpose of your visit and any specific activities you might want cover for
  • The level of cover you want
  • Where in the world you’re travelling to
  • How long your trip is
  • Any pre-existing medical conditions you have

How can I save money on my annual travel insurance?

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 *£33 cashback.

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Get quotes from the UK’s most-trusted insurance companies so you can come to a decision based on your own needs.

Choose a policy that applies to your region

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.

Think about the level of coverage you actually 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.

Make sure your excess payments are affordable

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.

Check you don’t already have travel insurance

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.

Advantages and disadvantages of annual multi-trip travel insurance


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. 

Multi-trip travel insurance with pre-existing medical conditions

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.

COVID-19 update

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.


Can you get travel insurance for the year?

Yes, your policy will last a whole year from the date you take a policy out. 

Is it worth getting annual travel insurance?

There are any number of things that can go awry when you’re away from home and in an unfamiliar place. These risks are doubled if you go away numerous times a year. We recommend that you take out an insurance policy that suits you, because it is very important to be insured if you want to avoid the shock of unforeseen fees, etc.

Plus, it will put your mind at ease that you won’t be put into financial hardship in the event that something does happen that’s out of your control. 

What destinations are included in multi-trip travel insurance policies?

Policies vary, but most insurers provide a full range of countries across the world. Certain areas will cost more than others, like South America for example. Double check your policy to see which regions are covered. 

What destinations are included in multi-trip travel insurance policies?

Policies vary, but most insurers provide a full range of countries across the world. Certain areas will cost more than others, like South America for example. Double check your policy to see which regions are covered. 

When does an annual travel insurance policy start?

Your policy commences from whenever you purchase your policy (this will be stated on your policy documents). 

How many trips can I take?

The great thing about annual multi-trip travel insurance is that there are no limits as to how many trips you can take. There will likely be restrictions placed on how long each trip will last, so you should again double check with your provider. 

How do I make a claim?

If you need to make a claim, take the following steps:

  1. If you’ve been the victim of a crime, report the crime to the local police before making your claim. Make a note of the incident number and the names of specific authorities that are dealing with your report.
  2. Get in touch with your insurer as soon as possible. Your provider should have a 24-hour emergency helpline (details like this will be on your policy document).
  3. Be sure to keep receipts and any evidence that your insurer might need to process your claim. These could be medical certificates if you’ve had to go to a hospital, or receipts for items that may have been stolen. 

From here, your insurer will send you a form to submit (usually within 31 days), with attached documents and any evidence needed.

How long can each of my holidays be with multi-trip travel insurance?

This will vary from provider to provider. The maximum days most providers can insure you per trip is 90 days. Check with your insurance provider to confirm how long your holidays can be.

What travel disruptions am I not covered for?

There are certain disruptions and delays that are particularly complex, so much so that many providers will not be able to cover you for. 

  • Anticipated events that you knew about or could reasonably expect
  • Items of yours that are seized by customs and other airline officials
  • Disruptions and delays related to winter sports or other ‘high-risk’ sports not covered by your insurer
  • Perpetrating acts of terrorism, violence, damage to property or generally creating risk for the public

Will a multi-trip insurance plan cover me in UK destinations?

Yes. There may be certain conditions, but most insurance providers will protect you in UK destinations. 

Useful information

*Based on a couple aged 30 with no pre-existing medical conditions, taking annual multi-trip cover for Europe. Cover starts on 4th March 2022 and ends on 3rd March 2023. Prices correct as of 3rd March 2022.

If you're struggling to find suitable cover, the Money and Pension Service (MaPs) also provides a list of specialist insurers on the MaPs directory website – or you can call the British Insurance Brokers Association on 0370 950 1790. https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory