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Annual Multi Trip Travel Insurance – What You Need to Know

Heard of annual multi trip travel insurance but not sure how it works?

Well, read on because in this article I will cover everything you need to know.

What is Annual Multi Trip Travel Insurance?

What is Annual Multi Trip Travel Insurance?

It’s a travel insurance policy that you buy once a year and it covers you for multiple trips within that year. Generally, there is no limit on the number of trips you can take, although there can be some restrictions on the length of each trip.

Annual Travel Insurance Worldwide Multi Trip

Where Does Annual Multi Trip Travel Insurance Cover?

You choose which parts of the world you will be travelling to when you select your policy. Generally, there are regions to choose from rather than specific countries, for example;

  • UK and Europe
  • Rest of the world excluding the USA, Canada, and the Caribbean
  • Rest of the world including the USA, Canada, and the Caribbean

If you choose UK and Europe and then want to book a trip to the USA you can easily adjust your travel insurance policy by contacting your insurer and advising them.

Annual Multi Trip Travel Insurance

Who Is Covered?

Policies can be purchased for single travellers, multiple travellers and family groups. The travellers named on the policy do not have to travel together to be covered. Children, depending on their age, may need proof that they are travelling with their parent’s consent if travelling on their own.

It’s always best to check the specifics of the travel insurance policy you are interested in so you know the exact details in relation to coverage.

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Annual Multi Trip Travel Insurance

When Does Cover Start?

The policy starts as soon as you buy the policy.

Professional Traveller Top Tip

You may be tempted to leave purchasing your travel insurance until you get close to the date of your first trip. You are better off buying your annual policy before you book your first trip. You are then likely to have some cancellation and abandonment coverage for your trip. The level of coverage will depend on your policy.

Pros of Annual Multi-Trip Travel Insurance

  • Buying once a year means you will have some cancellation or abandonment coverage for trips you book during the year.
  • Can be cheaper than single-trip travel insurance.
  • Gives the same cover for each person named on the policy. If you have £1,000 abandonment cover on the policy, then that applies to each person. Check the specifics of your policy for details.
  • This means you can book as many trips as you like and know you are covered.

Cons of Annual Multi-Trip Travel Insurance

  • There can be a long time between taking out your insurance and some of your trips. You could buy a policy in January and take a trip in December. This means you need to remember to keep the medical information/health declarations up to date otherwise you could have no coverage.
  • There can be a long time between taking out your insurance and some of your trips. This can mean you forget the policy details. Ensure you take a copy of your policy with you and double-check the details before you travel.

Annual Multi-Trip Travel Insurance Summary

  • Annual multi-trip travel insurance is very cost-effective if travelling more than once, and may even be cheaper than single-trip insurance.
  • Buying the policy before you book any trips will give you some cancellation coverage.
  • It is vital to keep the health declarations up to date to ensure you are fully covered when you travel.
  • Business travel cover is ideal for those who travel for work.

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Find more information on my annual travel insurance page.

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