Annual Multi Trip Travel Insurance – Protect Your Adventures

  • 4.7 out of 5 Star Excellent Rating on Trustpilot (2025)
  • Finalists – Best Travel Insurance Provider – Insurance Choice Awards (2024)
  • Best Travel Insurance Provider – Insurance Choice Awards (2022)

Travel the World Worry-Free with Annual Multi Trip Travel Insurance

If you’re planning to travel more than once this year, our annual multi trip travel insurance is designed for you. Instead of buying separate single-trip policies every time you go abroad, one annual policy could cover you for multiple trips over 12 months. That means less hassle, better value, and peace of mind whenever you travel.

With our annual cover, you can travel as many times as you like throughout the year. Each trip is covered for up to 31 days as standard, with the option to extend your maximum trip length to 45 or 60 days for an additional premium.

Why Choose Annual Multi Trip Travel Insurance?

Our award-winning policies are built around frequent travellers who want flexibility and reliable protection:

  • European and Worldwide cover available – choose the level that matches your destinations.

  • Emergency medical expenses covered from £5m to £10m per person.

  • 31 days per trip included as standard.

  • Extend cover to 45 or 60 days per trip for an additional premium.

  • Personal possessions cover available from £1,500 up to £5,000 per person.

  • 24/7 emergency medical assistance wherever you are in the world.

  • Cover available for travellers up to age 85.

Annual multi trip travel insurance gives you the freedom to enjoy multiple holidays, city breaks, or business trips without the need to buy a new policy each time.

Terms and conditions apply. Please read the Policy Wording for full details.

Optional Extras for Annual Multi Trip Policies

Customise your annual multi trip travel insurance with optional extras to match your lifestyle and the type of trips you take:

  • Cruise cover

  • Winter sports cover (up to 30 days per policy year)

  • Golf cover

  • Business travel cover – includes manual work, replacement personnel, and business equipment

  • Sports and activities cover

Do You Need to Declare Pre-Existing Medical Conditions?

Yes. It is essential that all travellers declare any pre-existing medical conditions when purchasing annual multi trip travel insurance. This ensures you’re fully protected if you need medical treatment abroad.

Benefits of Annual Multi Trip Travel Insurance vs Single Trip

  • Convenience – one policy for the whole year, rather than buying multiple times.

  • Value for money – if you take more than one trip per year, annual cover can work out cheaper.

  • Flexibility – covered for holidays, business trips, and last-minute getaways.

  • Peace of mind – no need to worry about forgetting to buy cover before you fly.

Get a Quote for Annual Multi Trip Travel Insurance Today

Don’t let unexpected events ruin your trip. Secure Winter Sports Travel Insurance today. Whether you’re looking for ski holiday insurance for Europe or snowboard travel insurance for North America, we’ve got you covered. If you travel often, consider our Annual Multi Trip Travel Insurance instead of buying multiple single-trip policies.

We’ve Got You Covered with our
Award-Winning Travel Insurance

  • 4.6 out of 5 Star Excellent Rating on
    Trustpilot (2025)
  • Finalists – Best Travel Insurance Provider –
    Insurance Choice Awards (2024)
  • Best Travel Insurance Provider –
    Insurance Choice Awards (2022)
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*Gold & Platinum
Policies Only

Annual Multi Trip Travel Insurance FAQs

Annual Multi Trip Travel Insurance covers you for multiple trips within one year. As standard, our policy provides cover for trip durations up to 31 days, but for an additional premium, this can be increased to 45 and 60 days if you require it. This type of policy is the ideal choice for people who travel frequently and don’t want the expense of buying Single Trip Travel Insurance for every trip they take. It is important to remember that if you travel to different areas of the world throughout the year, you will need a policy that covers all of the areas you are travelling to.

If you are thinking about purchasing an Annual Multi Trip Travel Insurance policy, you may need extra cover for taking part in sports and activities. Winter Sports Cover is important to add to your policy if you are going skiing or snowboarding, as it will provide additional benefits, including cover if your ski equipment is lost or damaged. Similarly, with Cruise Cover, it is essential to add to your policy if you are going on a cruise for cover to be provided, this also provides additional cover benefits, such as missed port departure and cabin confinement.

We provide cover for many Sports and Activities, such as, water skiing, trekking and zip lining. Over 90 sports and activities are covered as standard, and for an additional premium, we can cover those that are a little more hazardous!

With Annual Multi Trip Travel Insurance, you would be covered for medical expenses, cancellation, and loss of personal possessions. However, the amounts you are covered for and the specifics of what these benefits entail will depend on the level of cover you take out. Our levels of cover available are Silver, Gold and Platinum. You can review all our policy documents to find out which one would be most suited to your needs.

We are confident that our medical screening quotation system will provide cover in most circumstances, with decisions being instantaneous. Simply get a quote for your main Covered2Go insurance policy or contact us to discuss further.

Once you have obtained your main policy, you can get a quote for your medical declaration or by contacting Millstream on 0330 311 2648.

If we cannot cover your condition, GoodToGo Insurance may be able to help you. We are pleased to have partnered with GoodToGo Insurance, who are on the list of serious medical specialist providers presented on the medical directory by MaPS.

GoodToGo’s policies are designed for people travelling with all types of pre-existing medical conditions up to a high level of severity and sometimes even a terminal prognosis. You can call us on 0333 400 7745 or visit our Covered2Go/GoodToGo partnership website for more information.

If Covered2Go and/or GoodToGo are unable to cover your condition, then you have free and unrestricted access to a pool of specialist travel insurance providers on the directory provided by the Money and Pensions Service (MaPS).

MaPS was established at the beginning of 2019 and engages with HM Treasury on policy matters relating to financial capability and debt advice.

The MaPS travel insurance directory has been created for travellers who have potentially been refused cover or received a high additional premium in connection with their medical conditions, which provides them with access to consider alternative providers.

How can I access the MaPS Directory?

  • By Phone – call 0800 138 7777 (Monday – Friday 8am to 6pm)
  • Online – you can visit the online travel insurance MaPS directory for a full list of participating travel insurance brands by clicking here.
  • By Email – simply contact traveldirectory@maps.org.uk.