Annual cover explained
What is Annual Multi-Trip Travel Insurance?
Annual Multi-Trip Travel Insurance is a policy that can cover multiple holidays during a 12-month period. Instead of arranging separate insurance for every journey, you purchase one policy for all eligible trips taken during the policy year.
It can be a convenient option if you are planning several holidays, European city breaks, UK trips or worldwide travel during the year. The geographical area you select must cover every destination on your itinerary.
Covered2Go offers Silver, Gold and Platinum cover levels. The right option will depend on your destinations, the length of each trip, your planned activities and the level of protection you require.
Annual Multi-Trip cover at a glance
✓ Multiple eligible trips during a 12-month period
✓ Trips of up to 31 days as standard
✓ Optional 45 or 60-day trip extensions
✓ European and worldwide destination options
✓ Silver, Gold and Platinum cover levels
✓ Available for travellers up to age 85. If you’re aged 65 or over, you can also learn more about travel insurance for over 65s.
When should your policy start? If you already have a holiday booked, your Annual Multi-Trip policy should normally start straight away rather than on the date of your first departure, so eligible cancellation cover is in place. Cover limits, terms, conditions and exclusions apply.
Is annual cover right for you?
Who is Annual Multi-Trip Travel Insurance suitable for?
Annual Multi-Trip Travel Insurance can be suitable for people planning more than one holiday during the year. It allows you to arrange cover once rather than purchasing a separate policy before every eligible trip.
Several holidays
Frequent holidaymakers
A convenient option if you are planning several holidays, short breaks or trips during the same policy year.
Short breaks
Regular city-break travellers
Useful for travellers who enjoy regular European weekends, city breaks or spontaneous getaways throughout the year.
Shared cover
Couples and families
Couples and families taking multiple holidays may find one annual policy more convenient than arranging cover for each trip.
Different destinations
Europe and worldwide travellers
Suitable for multiple trips across Europe or worldwide, provided your selected geographical area covers every destination.
Planning one holiday or a longer trip?
Single Trip Travel Insurance or Longstay Travel Insurance may be more suitable, depending on your travel dates and trip duration.
What your policy can include
What does Annual Multi-Trip Travel Insurance cover?
Covered2Go offers Silver, Gold and Platinum Annual Multi-Trip cover with different benefit limits. Depending on the cover level selected and the circumstances of your claim, your policy can include the following protection.
Emergency medical expenses
Up to £10 million per insured person for eligible emergency medical treatment, hospital care and repatriation if you become ill or are injured while travelling.
Cancellation and curtailment
Up to £10,000 per insured person if you need to cancel your holiday or return home early for a reason covered by the policy.
Baggage and belongings
Up to £5,000 per insured person for personal belongings that are lost, stolen or accidentally damaged. Single-item and valuables limits apply.
Travel disruption
Cover for certain travel delays, missed departures or connections and additional travel or accommodation expenses caused by reasons specified within the policy.
Personal liability and legal expenses
Up to £2 million personal liability cover and up to £25,000 legal expenses cover, depending on the cover level selected.
End Supplier Failure
Up to £10,000 per insured person if an eligible travel or accommodation supplier experiences financial failure, subject to the policy terms.
Cover limits vary between Silver, Gold and Platinum. Sub-limits, excesses, terms, conditions and exclusions apply. Review the policy wording and compare the available cover levels before purchasing.
Compare your options
Compare Silver, Gold and Platinum Annual Multi-Trip cover
Choose from three levels of Annual Multi-Trip Travel Insurance based on your holiday costs, belongings and the amount of protection you require. The table below compares some of the main benefits available.
| Cover benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £2,000 | £5,500 | £10,000 |
| Emergency medical expenses | £5 million | £10 million | £10 million |
| Baggage and personal belongings | £1,500 | £3,000 | £5,000 |
| Valuables | £500 | £1,000 | £2,000 |
| Travel delay – maximum | £150 | £210 | £600 |
| Missed departure or connection | £600 | £1,000 | £2,000 |
| Personal liability | £2 million | £2 million | £2 million |
| Legal expenses | £15,000 | £25,000 | £25,000 |
| Policy excess | £75 | £50 | Nil |
Limits shown are per insured person unless stated otherwise. This is not a complete list of benefits. Exact cover will depend on the product and cover level selected. Sub-limits, excesses, terms, conditions and exclusions apply.
Trip duration
45 and 60-Day Annual Multi-Trip Travel Insurance
Annual Multi-Trip Travel Insurance covers multiple eligible holidays during the 12-month policy period, with a maximum duration applying to each individual trip. Covered2Go includes trips of up to 31 days as standard.
If you are planning longer holidays, the maximum duration of each trip can be extended to 45 days or 60 days for an additional premium. This can make annual cover suitable for travellers who expect to take several holidays during the year but need more than the standard 31 days for one or more of those trips. The appropriate extension must be selected and shown on your policy schedule.
Included as standard
31 days
Each individual holiday can last for up to 31 days under the standard Annual Multi-Trip policy.
Optional extension
45 days
Choose the 45-day extension if you need annual travel insurance with trips lasting up to 45 days. The extension applies to the maximum duration of each eligible trip and requires an additional premium.
Optional extension
60 days
Choose the 60-day extension if you need annual multi-trip travel insurance with trips lasting up to 60 days. The extension requires an additional premium and must be shown on your policy schedule.
Check the duration of every planned trip
The appropriate trip-duration extension must be selected, any additional premium must be paid and the extension must appear on your policy schedule. Annual Winter Sports cover has a maximum of 30 days in total during the policy period.
Planning one journey lasting longer than 60 days?
Single Trip Travel Insurance or Longstay Travel Insurance may be more suitable.
Medical conditions
Can Annual Multi-Trip Travel Insurance cover pre-existing medical conditions?
Yes, cover may be available for a wide range of pre-existing medical conditions following medical screening. Having a medical condition does not automatically mean you will be unable to purchase Annual Multi-Trip Travel Insurance.
Each traveller’s circumstances are considered individually. An additional premium or special policy terms may apply, depending on the outcome of the screening.
Conditions covered automatically
The policy automatically covers acid or gastric reflux, acne, blindness or partial sight, cataracts, deafness or partial hearing loss, glaucoma, hay fever, hypothyroidism, IBS and PCOS. These conditions do not need to be declared and no additional premium applies.
When medical screening is required
Except for the automatically covered conditions, you must declare relevant medical conditions for which you have received treatment, advice or medication during the last 12 months. An additional premium and medical screening endorsement may apply.
Changes to your health
Because an annual policy can cover several holidays, you must report relevant changes to your health before booking or taking an individual trip. Your cover may need to be reviewed before you travel.
Find out more about medical conditions cover
Learn which conditions need to be declared, how medical screening works and why accurate medical information is important.
Destination cover
Can Annual Travel Insurance Cover Multiple Destinations?
Yes. Annual Multi-Trip Travel Insurance can cover multiple eligible trips to different destinations during the 12-month policy period, provided the geographical area you select includes every country you plan to visit.
If you are planning multi-destination travel, choose the geographical area based on the widest cover you will need during the policy year. Remember to include relevant stopovers where you intend to leave the airport. Your selected geographical area will be shown on your policy schedule.
United Kingdom
Cover for eligible trips within England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
UK trips must include at least two consecutive nights in pre-booked accommodation.
Europe
Suitable for multiple holidays across the European geographical area, including popular destinations such as Spain, France, Greece, Italy, Portugal, Turkey and Cyprus.
The European area also includes selected countries and territories outside mainland Europe. Check the policy wording for the complete list.
Australia and New Zealand
Suitable if your planned overseas travel is limited to Australia, New Zealand or both, without requiring full worldwide cover.
Check whether any stopovers or additional destinations during the policy year are included within this geographical area.
Worldwide excluding the USA, Canada and the Caribbean
Covers worldwide destinations outside the USA, Canada and the Caribbean. This may be suitable for several trips to destinations such as Mexico, Thailand, Dubai, Japan or South Africa.
This area also includes the UK, Europe, Australia and New Zealand.
Worldwide including the USA, Canada and the Caribbean
Full worldwide cover, including trips to the USA, Canada and Caribbean destinations, where private medical treatment can be particularly expensive.
Select this area if any trip during the policy year includes the USA, Canada or the Caribbean.
Check all your planned destinations
Make sure your selected geographical area covers every country you plan to visit, including stopovers where you intend to leave the airport. Cover is also subject to current Foreign, Commonwealth & Development Office travel advice and the terms of your policy.
Optional and additional cover
Can I add cover for cruises, winter sports and other activities?
You can tailor your Annual Multi-Trip Travel Insurance to your plans by selecting the relevant cover for certain holidays, activities and equipment. An additional premium may apply, and the appropriate cover must be shown on your policy schedule.
Cruise Cover
Add cruise-specific protection for eligible missed port departures, skipped ports, cabin confinement, shore excursions, cruise attire and cruise interruption.
Winter Sports Cover
Select the appropriate cover if you plan to ski, snowboard or take part in another covered winter sport. Annual policies allow up to 30 winter sports days in total during the policy period.
Golf Cover
Add protection for eligible golf equipment, replacement equipment hire and unused green fees, subject to the cover level selected.
Business Travel
Non-manual business travel is included. Optional cover is available for eligible manual work, while business equipment and replacement personnel benefits depend on the cover level selected.
Sports and Activities
Level 1 sports and activities are included. Levels 2, 3 and 4 require an additional premium and must be selected before taking part.
Select the right cover before you travel
Cover only applies where the relevant option or activity level has been selected, any required additional premium has been paid and the cover appears on your policy schedule. Always check the policy wording for benefit limits, conditions and exclusions.
Compare policy types
Annual Multi-Trip or Single Trip Travel Insurance: which is right for me?
Annual Multi-Trip cover can be convenient if you are planning several holidays during the year. Single Trip Travel Insurance may be more suitable for one holiday, a longer individual journey or travellers outside the Annual Multi-Trip age limit. If you’re aged 65 or over, see our over-65s travel insurance information for age limits and available policy options.
| Policy feature | Annual Multi-Trip | Single Trip |
|---|---|---|
| Number of holidays | Multiple eligible trips during a 12-month policy period | One specific holiday or journey |
| Maximum trip duration | 31 days per trip as standard, with optional 45 or 60-day extensions | Up to 365 days for one trip |
| Maximum age | Available up to age 85 | Available up to age 99 |
| Best suited to | Frequent travellers, families or couples planning several trips | Occasional travellers or people arranging cover for one holiday |
| Destination cover | The selected area must cover every destination visited during the policy year | The selected area must cover the destinations included in the insured trip |
| Cancellation cover | Begins from the Annual Multi-Trip policy start date | Begins when the policy is purchased and issued |
| Cover levels | Silver, Gold and Platinum | Silver, Gold and Platinum |
Which option offers the best value? Annual cover may offer better value if you are taking several holidays, but this is not guaranteed. Your premium will depend on factors including traveller ages, destinations, trip duration, cover level, optional extras and declared medical conditions.
Important exclusions
What isn’t covered by Annual Multi-Trip Travel Insurance?
Annual Multi-Trip Travel Insurance is designed to cover unexpected insured events, but it does not cover every situation. Common exclusions and circumstances where cover may not apply include the following.
Undeclared medical conditions
Medical claims may not be covered if a relevant condition has not been declared when required, accepted following medical screening or updated after a change in health.
Known events or circumstances
A claim may not be covered if it results from an event or circumstance you knew about before booking your trip or purchasing your policy and could reasonably have expected to result in a claim.
Travel against official or medical advice
Cover may not apply if you travel against Foreign, Commonwealth & Development Office advice, government or local authority advice, or medical advice.
Trips outside your selected cover
Cover may not apply if an individual trip exceeds your selected maximum duration or if a destination is outside the geographical area shown on your policy schedule.
Unselected activities and upgrades
Winter sports, cruises, higher-risk activities and other optional benefits may not be covered unless the appropriate option has been selected, any additional premium paid and the cover shown on your schedule.
Alcohol, drugs and illegal acts
Claims may not be covered if they result from excessive alcohol affecting your judgement, non-prescribed drugs, deliberate exposure to exceptional risk or an illegal or criminal act.
This is not a complete list of exclusions
Travel insurance is not private medical insurance and is not designed to cover planned or routine treatment. Cover limits, conditions and exclusions apply to individual sections of the policy. Read the policy wording and your policy schedule carefully before travelling.
Why Covered2Go?
Why choose Covered2Go Annual Multi-Trip Travel Insurance?
Covered2Go offers flexible Annual Multi-Trip Travel Insurance for multiple holidays during a 12-month period, with three cover levels and destination options for Europe and worldwide travel.
Which? Best Buy status
Silver, Gold and Platinum cover all achieved Which? Best Buy status in 2026.
Rated Excellent on Trustpilot
Covered2Go is rated Excellent on Trustpilot, with a score of 4.6 out of 5 stars in 2026.
Three cover levels
Compare Silver, Gold and Platinum cover to find an option suited to your trips, belongings and budget.
Cover available up to age 85
Annual Multi-Trip Travel Insurance is available for eligible travellers up to age 85.
Medical conditions considered
Medical screening is available for pre-existing conditions, with all medical conditions considered.
24-hour emergency assistance
Emergency medical assistance is available 24 hours a day while you are travelling.
Arrange cover for multiple holidays
Get an Annual Multi-Trip quote and compare Silver, Gold and Platinum cover for your planned destinations.
