Annual multi trip travel insurance

15th January 2019by Joanna White

Annual multi trip travel insurance offers you cover and protection for every trip you take over a certain period; usually 12 months.

It will cover you for various destinations, depending on the type of cover you purchase, and will also cover you for a vast range of things to ensure your trips run as smoothly as possible.

Annual multi trip travel insurance is a great investment to make if you travel a lot throughout the year and can be great if you plan on travelling to many locations over the world, over the course of a year.

What you need to know – annual multi trip travel insurance

The two most common types of travel insurance are single trip and annual multi trip. If you only plan on taking one or two holidays per year, then single trip travel insurance will be most suitable for you.

However, if you travel a lot, whether for leisure purposes or for work, then annual multi trip insurance can work out to be much more affordable as you won’t have to purchase a new policy every time you travel somewhere new.

Many people enjoy the convenience and security that they have with an annual multi trip policy as it means they can travel multiple times a year, to many different places without worrying about whether they’re covered.

What does it cover?

Annual multi trip travel insurance is arguably the most fully comprehensive type of travel insurance on the market and will ensure that you’re fully covered in the event of many occurrences.

It covers everything from medical costs to flight delays and disruptions, as well as a plethora of other things that will come in handy if you travel a lot over the course of a year.

Emergency medical and dental care

Cover for emergency medical and dental care is important in any type of travel insurance policy, but arguably more so for an annual multi trip policy. This is because you’ll need to make sure you’ve got excellent cover for medical incidents if you travel a lot throughout the year.

Medical coverage will include cover for the likes of hospital bills, treatment costs, surgery and operations, prescriptions and dental visits. If you fall ill or require treatment for a pre-existing medical condition while you’re travelling, then it’s imperative to ensure that your annual multi trip policy fully covers you.

Lost or stolen luggage and possessions

If you travel many times throughout the year, then chances are that your luggage could become lost or stolen at some point.

While it’s a truly awful thing to think about, it’s better to be covered if your belongings do go missing.

With annual travel insurance, you’ll be covered for stolen, lost and even destroyed baggage, as well as personal possessions and valuables up to a certain amount as stated by your provider.

24/7 travel assistance

While it’s not always a given, many insurance providers offer 24/7 travel assistance as part of their annual multi trip travel insurance policies.

This involves assistance in the form of telephone access or online forums whereby you will always have access to an assistance service.

For example, there may be 24/7 assistance with regards to medical emergencies, travel emergencies, pre-trip planning and even information on what to do if all your belongings get stolen.

This type of service is very attractive to many travellers looking to buy annual multi trip insurance as it means they can access help at any time of day, wherever they are in the world.

Delayed baggage

Similarly to the point above about missing or stolen baggage, your luggage can also sometimes be delayed at arriving at your desired destination on time.

This can be incredibly frustrating and inconvenient, which is why it’s a good idea to have an annual multi trip policy that covers you in the event of your baggage being delayed.

Many insurers will enforce a certain amount of time that your baggage has been delayed for before they allow you to make a claim on it. This time period differs between each insurance provider but is usually between 12 and 24 hours.

Delayed flights or other means of transport

As well as being covered for delayed baggage when you take out an annual multi trip travel insurance, you will also be covered for delayed flights, as well as other means of transport.

Again, there will usually be set time period in which your provider considers a flight to be delayed, but if you do have to wait for your flight for that amount of time, then you will be covered under your insurance for the inconvenience caused.

Pre-existing medical conditions

It’s worth noting that not all annual travel insurance policies will offer you cover for pre-existing medical conditions; some providers may require you to purchase it as a separate add-on.

However, there are some insurance providers who will offer cover for pre-existing medical conditions as part of their policies, providing that you declare them beforehand.

Who is it intended for?

Annual multi trip travel insurance isn’t just reserved for one person; it can be well suited to a plethora of different travellers who all have similar needs.

Having said that, there are certain types of travellers that annual multi trip insurance is better suited to. M&S Travel Insurance and Debenhams Travel Insurance offer excellent, competitive annual trip polices to consider.

Frequent travellers

Of course, the most suitable type of traveller for annual multi trip travel insurance is someone who frequently travels around the world.

It doesn’t necessarily have to be a full-time traveller, but perhaps someone who travels a lot for business, or enjoys visiting many different places throughout the year.

Annual multi trip travel insurance is a great investment for frequent travellers to make as it’s much more convenient than having to constantly research for a new insurance policy to buy before every trip.

It’s also much more cost-effective than single trip travel insurance if you’re a frequent traveller, as the cost of your insurance will be spread across the year and cover multiple trips and destinations, rather than just one individual trip at a time.

For full-time travellers, there are more specific types of travel insurance such as backpacker’s insurance which is ideal for people who continuously travel all the time.


Journalists are another group of people who might be well-suited to annual multi trip travel insurance.

This is because they often have to travel last minute to various places around the world for their job, which means they can’t spend lots of time researching the best insurance policies on the market.

If they’ve invested in multi trip insurance throughout the course of the year however, then they’ll be covered for any trip they go on.


Retirees are also another group of travellers who will likely benefit from annual multi trip travel insurance.

This is because they will have likely worked their whole lives and now want to enjoy as many trips as possible, therefore they’ll be travelling a lot over the course of the year.

It’s important to check your insurance provider’s policies however when it comes to travel insurance for older people as some companies have an upper age limit as to who can take out a travel insurance policy.

Retirees must also be fit, healthy and active in order to qualify for annual travel insurance with a lot of insurers otherwise they won’t consider them to be fit for an insurance policy.

Pros and cons of annual multi trip travel insurance

Before you take out an annual multi trip travel insurance plan, there are numerous pros and cons you must weigh up before you make your decision.

It’s a good idea to consider all your options before you decide on the type of policy you want, as well as which insurance provider to choose.


  • Insurance cover to last you for an entire year
  • Ideal if you take more than two or three trips a year
  • More cost-effective than single trip insurance if you’re a frequent traveller
  • Excellent benefits and cover as part of your insurance plan


  • Sometimes limited on the length of trip you can take with annual multi trip cover
  • May still have to purchase additional extras on top of your policy such as winter sports and cruise cover
  • Can often be a costly amount of money to pay for your policy

Conclusion – annual multi trip travel insurance

Annual multi trip travel insurance is an ideal investment for many people to make.

If you’re a frequent traveller, you travel a lot for work or business or you’re retired and are trying to see as much of the world as possible, then this type of travel insurance could be perfect for you.

It’s important to weigh up the pros and cons of this type of insurance so that you can obtain the insurance policy that is best suited to you and your lifestyle. If you only travel once or twice a year for example, then an annual multi trip policy may not be the most appropriate type of travel insurance for you.