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Home » Travel insurance » Annual Multi-Trip Travel Insurance

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Why do you need Annual Multi-Trip Travel Insurance?

If you are travelling more than once a year, an Annual Multi-trip Travel Insurance policy could be more cost-effective and convenient for you. This type of cover will protect you for 12 months from any unexpected emergency medical bills while you’re travelling or if you need to cancel a planned trip.

With all of our AllClear branded policies, our Superior2 rated Covid cover is included for FREE.

Looking for Annual Multi-trip Travel Insurance?

More than 7 in 10 (79%3) of those we surveyed plan to take two or more trips this year. One in five (20%3) hope to have four or more trips.

An Annual Multi-trip policy may be a more cost-effective option if you plan to take at least two or more trips in a year. According to independent research by the Evening Standard, the more you travel every year, the better value an Annual Travel Insurance policy can be.

With Multi-trip Travel Insurance, you can make the most of your travel opportunities. From frequent city breaks to several beach holidays abroad. You can save time and money with Annual Multi-Trip Travel Insurance.

With Yearly Travel Insurance, you only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have 12 months of hassle-free travel.

What’s a pre-existing medical condition?

Everyone deserves the opportunity to travel. As a specialist Medical Travel Insurance provider, our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. So far, we’ve covered over 1300 different conditions, and we can help cover yours too.

You must declare all pre-existing medical conditions. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.

Some examples of pre-existing medical conditions we’ve covered are:

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Planning and protecting your holiday abroad

Things to know before you go:
  • Remember to check the latest travel advice from the FCDO for your destination. You will have no cover if you choose to travel against FCDO advice, unless that advice relates specifically to Covid-19 (check our Covid FAQs  for more details)
  • Check any entry requirements and quarantine requirements for your chosen destination
  • Choose a Travel Insurance policy that includes Covid-19 Cover
  • For information on how Covid might affect your trip, visit our dedicated FAQs page

Travel Insurance with Covid cover

You’ll need to have cover for Covid related issues on every trip you take. Look out for Travel Insurance with Covid cover. This will help you efficiently plan your holidays.

AllClear includes Superior2 rated Covid cover for FREE with all of our AllClear branded policies.

Flexible Yearly Travel Insurance

Our AllClear Annual Multi-trip Travel Insurance policies can be tailored to suit your specific needs. With us, you can design your policy to suit the type of holiday you enjoy. Here are some of the optional extras available.

Travel Disruption – offer you cover for unforeseen events such as weather disruption or civil unrest.

Gadget Cover – provides financial protection should you damage or lose your electronic devices.

Travel Companion – this cover protects your travelling party against holiday cancellations. If the cancellation has resulted from one of your medical conditions.

Golf Cover – protects your golf equipment and other aspects of your golf holiday.

Annual Multi-trip winter sport

Planning to take part in winter sports? Annual Travel Insurance with winter sports cover is essential. You’ll need to have this type of cover as many activities are not covered on a standard policy.

Hear from our customers below:

“I didn’t think we could get Travel Insurance. Especially winter sports insurance for my husband, who has stage 4 cancer. Both Joe and Keiran at AllClear helped explain the product to me. They found out what we needed and gave us a competitive price. I would definitely recommend.” – Amanda.

Travel Insurance for a cruise

At least one in ten (79%3) of those we surveyed intend to enjoy a cruise this year. Travel Insurance for a cruise includes additional cruise specific benefits. Such as;

  • Missed port departure
  • Cabin confinement
  • Itinerary change
  • Unused excursions
  • Cruise interruption

GHIC cover and Annual Multi-trip Travel Insurance

If one of your trips this year is to a destination in Europe, you may need a Global Health Insurance Card (GHIC). However, it is not a substitute for Annual Multi-trip Travel Insurance.

You can face financial loss if you choose to Travel Without Travel Insurance. A good policy will include Repatriation cover, which the GHIC scheme does not cover. Without Repatriation cover, you would have to pay the following costs upfront should you need to be medically transported back to the UK

Typical prices back to the UK from Europe:

  • Spain to UK £18,000
  • France to UK £12,000
  • Germany to UK £12,000

Repatriation costs worldwide are far more expensive.

  • USA to UK air ambulance – £50,000
  • Caribbean to UK air ambulance – £60,000
  • South America to UK air ambulance – £70,000

Protect yourself with Annual Multi-trip Travel Insurance.

Join the 3 Million+ travellers we’ve we’ve helped cover

97%4 of customers rate us as Excellent or Great. Hear what our customers say:

Excellent personal service

“After a lot of online research, I have booked a Gold Annual Multi-Trip Policy with AllClear Travel Insurance. I found the online application fairly straightforward. But I had a couple of questions and was pleased to have the assistance of Douglas. He guided me through the application and made a couple of necessary adjustments. Very patient and helpful – well done! “- Mr Wollarcott

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Frequently asked questions for Annual Multi-trip Travel Insurance 

How much is Annual Multi-trip Travel Insurance?

Several factors contribute to the cost of Annual Multi-trip Travel Insurance, including;

  • Your age
  • Medical conditions
  • Region of cover

It’s based on the individual and will differ from person to person.

When should you buy your Annual Multi-trip Travel Insurance?

Martin Lewis has some great advice for travellers. He urges people to buy Travel Insurance as soon as possible as”so many of the things you can claim for can happen before you go on holiday”.

The date you choose to start your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.

Why can Annual Multi-trip Travel Insurance be better value than a single trip?

If you are going on several holidays, an Annual Multi-trip policy could be of better value. Independent consumer researcher, Which? looked at various providers and various numbers of trips. They discovered two or more trips made Annual Multi-trip Travel Insurance better value for money in most cases.

How does Annual Multi-trip Travel Insurance work?

With an Annual Multi-trip policy, you only need to select your preferred cover region, not every country you plan to visit. You’ll then be covered for any trip you take to the region throughout a 12 month period.

However, there are restrictions on the length of time you can be away for any one trip.

With an Annual Multi-trip policy, you can be covered for any number of trips to one of the following three regions:

What are the advantages of Annual Multi-trip Travel Insurance?

There are many benefits of choosing Annual Multi-trip Travel insurance, including;

  • The license to travel: You will have more value out of your policy the more you go on holiday.
  • Extensive cancellation cover: For every trip as soon as your policy starts5
  • Reduced life admin: You won’t need to remember to buy Travel insurance every time you want to travel.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Covid cover rated Superior by a leading Independent UK Consumer Champion.

3 Based On AllClear’s Annual Survey, January 2022. 2,591 Participants

4 From 74,000+ Trustpilot reviews.

5 Providing you have purchased a policy that includes cancellation cover.

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of January 2022.

^Discount applies to the base price of AllClear branded travel insurance policies purchased through our Call Center only and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer.