If you’re planning to travel more than once this year, annual multi trip travel insurance could be the most convenient and cost-effective way to protect your holidays. Instead of buying a separate single trip policy for every break, one annual policy can cover multiple trips across 12 months — saving you time, money, and hassle.
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. Whether it’s a long weekend, a business trip, or a multi-destination adventure, your travel insurance is ready whenever you are.
What is annual multi trip travel insurance?
Annual multi trip travel insurance is a policy that covers multiple trips within a 12-month period, rather than just one holiday. It’s ideal if you:
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Take several holidays per year
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Enjoy spontaneous weekend breaks
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Travel regularly for work
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Want protection in place all year round
If you usually take two or more trips per year, annual multi trip travel insurance is often better value than buying several single trip policies.
Looking for single trip cover instead?
👉 Single Trip Travel Insurance
Why choose annual multi trip travel insurance?
Our annual policies are designed with frequent travellers in mind, offering flexibility, reliability, and excellent worldwide support.
✔ European & Worldwide cover
Choose the right cover for your travel plans:
✔ Emergency medical expenses
Between £5 million and £10 million per person, depending on your chosen level.
✔ 31 days per trip included
Upgrade to 45 or 60 days if you need longer stays.
✔ Personal possessions cover
From £1,500 to £5,000 per person, depending on your policy level.
✔ 24/7 emergency medical assistance
Worldwide support whenever you need it.
✔ Cover up to age 85
Eligibility depends on your chosen cover level.
✔ Unlimited trips for 12 months
No need to worry about forgetting to buy a policy before you travel.
Terms, conditions and exclusions apply. Please see our Policy Wording for full details.
What does annual multi trip travel insurance include?
Your annual multi trip travel insurance policy typically covers:
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Trip cancellation & curtailment
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Emergency medical expenses & repatriation
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Lost, stolen or damaged belongings
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Travel delays & missed departures
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Personal liability
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Money, passport & travel documents
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Multiple trips for 12 months
Optional extras can be added depending on the type of trips you take.
Optional extras for annual multi trip travel insurance
Enhance your annual policy with extra protection tailored to your travel style:
Cruise Cover
Protection against missed ports, cabin confinement and itinerary changes.
👉 Cruise Travel Insurance
Winter Sports Cover
Up to 30 days of cover per year for skiing or snowboarding holidays. Includes equipment, ski pack benefits and piste closure.
👉 Winter Sports Travel Insurance
Golf Cover
Cover for clubs, golf equipment and green fees.
👉 Golf Travel Insurance
Business Travel Cover
Protection for laptops, documents, business equipment and replacement personnel.
👉 Business Travel Insurance
Sports & Activities Cover
Great for adventurous travellers — from hiking to scuba diving.
👉 Sports & Activities Cover
Do I need to declare pre-existing medical conditions?
Yes. All travellers must declare pre-existing medical conditions when buying annual multi trip travel insurance to ensure you have the right protection in place if you need medical treatment while abroad.
Learn more here:
👉 Pre-Existing Medical Conditions Travel Insurance
For more specialist cover, you can also visit the MoneyHelper Directory.
Annual multi trip vs single trip travel insurance
Not sure which to choose? Here’s a quick comparison:
| Feature | Annual Multi Trip Insurance | Single Trip Insurance |
|---|---|---|
| Number of trips | Unlimited for 12 months | One specific trip |
| Value for frequent travellers | ⭐ May be more cost-effective if you take 2+ trips per year | Suitable for travellers taking one planned trip |
| Spontaneous travel | ✔ Always covered | Must buy every time |
| Trip duration | 31–60 days | Up to 365 days |
| Suited for business travel | ✔ Yes (with add-on) | ✔ Yes (with add-on) |
If you only travel once a year, you may prefer single trip insurance:
👉 Single Trip Travel Insurance
If you take multiple trips, annual multi trip travel insurance is usually the smarter choice.
Who is annual multi trip travel insurance best for?
Annual multi trip policies are ideal for:
Frequent holidaymakers
Those who enjoy several breaks throughout the year.
City break lovers
Perfect for spontaneous weekend getaways.
Business travellers
Consistent cover for work trips abroad.
People visiting family overseas
Cover every visit without buying a new policy each time.
Benefits of annual multi trip travel insurance
✔ One policy covers you for the whole year
✔ May be more cost-effective rather than buying several single trip policies
✔ Flexibility for last-minute travel
✔ Peace of mind that you’re always protected
✔ Suitable for travellers who take 2+ holidays per year
Get a quote for annual multi trip travel insurance
Getting a quote is fast and simple. Just tell us:
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Where you’re travelling
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When your cover should start
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Who’s travelling
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Any extras you’d like to add
👉 Get an annual multi trip travel insurance quote
Travel confidently all year round with the protection of annual multi trip travel insurance.
FAQs – Annual Multi Trip Travel Insurance
How many trips can I take on an annual multi trip policy?
Unlimited trips within a 12-month period.
How long can each trip be?
31 days as standard, with optional upgrades to 45 or 60 days.
Is annual multi trip travel insurance cheaper than single trip?
If you take two or more holidays per year, annual multi trip cover is often more cost-effective.
Does annual multi trip travel insurance include medical cover?
Yes. Policies include emergency medical expenses and repatriation, up to the limits shown in your Policy Wording.
Do I need to declare medical conditions?
Yes. You must declare pre-existing medical conditions to ensure full cover.
Can I add winter sports to my annual policy?
Yes, winter sports cover is available for up to 30 days per policy year.
Does annual insurance cover business trips?
Yes — add Business Travel Cover if you need protection for equipment, documents and work-related travel.
Essential Travel Resources for UK Holidaymakers Booking a Single Trip Holiday
Travel Advice & Requirements
- UK Foreign Travel Advice – Get up-to-date information on visa requirements, travel restrictions, and safety tips for your destination.
- NHS Fit for Travel – Find health advice, vaccinations, and travel health recommendations.
- U.S. ESTA Application – If travelling to the USA, apply for your ESTA visa waiver online.
Cover limits, terms, conditions and exclusions apply. Please read the Policy Wording carefully to ensure the cover meets your needs.
