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Annual Travel Insurance covers you for selected countries and destinations for one year. You choose your preferred cover region, and you’re covered for any trip within that region throughout the year.

This type of insurance can cover all pre-existing medical conditions, too, allowing you to travel with complete peace of mind.

What is Annual Multi-trip Travel Insurance – and why do you need it?

Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year.

Research from Which? found that Annual Multi-trip Travel Insurance often offers better value than buying separate Single Trip Travel Insurance policies, especially if you’re planning two or more trips annually. 

With this type of insurance, you’re continuously protected against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, providing peace of mind throughout a twelve-month period.

  • Hassle free: Cover for all your getaways with one annual policy instead of arranging new insurance each time you travel
  • You could save time and money: If you’re taking multiple trips, you may find Annual Travel Insurance cheaper than buying a new policy every time. Opting for annual cover could save you money and time by protecting multiple trips under one policy
  • Easy to renew cover: You can renew your Annual Multi-trip Insurance each year, making sure you have the same continuous cover for all your trips. You only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have another 12 months of hassle-free travel.

What does AllClear’s Annual Multi-trip Travel Insurance cover?

Annual Multi-trip Travel Insurance provides a wide range of benefits for your trips in the year. From emergency medical cover across different countries to cancellation and curtailment should you encounter unexpected circumstances during your trips.

  • What’s covered?

    • Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
    • Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
    • Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
    • Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
    • Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
  • What’s not covered?

    • Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
    • Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
    • Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy




Gold Plus


Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
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.

Find the best Annual Multi-trip Travel Insurance for your travels

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

We can help you find the best Annual Multi-trip Insurance for your travels:

  • Choosing your cover area: Choose from UK trips, European destinations, or worldwide cover, including options for USA, Canada, Mexico, and the Caribbean.
  • Cost considerations: When determining the price of your policy, factors such as your age, destination, pre-existing conditions, and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
  • Cruise cover inclusions: If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
  • Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf or winter sports, we have options to tailor your policy to your travel style

AllClear’s Annual Travel Insurance for pre-existing medical conditions

As a specialist Medical Travel Insurance provider, our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. We can cover over 1,300 different conditions, and we can help cover yours too.

If you have a pre-existing medical condition, you must declare this before travelling. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.

Below are just a few of the common conditions we provide cover for:

How our Annual Multi-trip Travel Insurance works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive cover across all your trips. 

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start your quote, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Receive your quote

You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.

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

Frequently Asked Questions on Annual Multi-Trip Travel Insurance

How does Annual Travel Insurance work?

Annual Travel Insurance covers you for multiple trips within 12 months, offering convenience and peace of mind throughout your travels.

Once you buy an annual policy, you’re covered for an unlimited number of trips during the policy period (be sure to check your policy). This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.

However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.

Is it better to get Yearly Travel Insurance?

This depends on how many trips you take each year.

If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.

How much is holiday insurance for a year?

Annual Travel Insurance lasts for a whole year and will cover trips up to the maximum duration shown on your travel documents. If you’ll be travelling for longer than this, a Single Trip policy can cover holidays of up to 365 days.

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

We would recommend buying Annual Multi-trip Insurance as soon as you book your holiday,

Money saving expert Martin Lewis also recommends this. He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.

The start date of 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?

Annual Multi-trip Travel Insurance can offer better value than a single-trip policy because it covers multiple trips over a year, rather than just one.

So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.

How does Annual 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.

Can you get Annual Multi-trip Travel Insurance for a group trip?

Yes, our annual cover is available for groups of up to 10 people. 

Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

When does an Annual Multi-trip policy start?

You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy. 

However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.

Do you need extra cover for sports and activities?

AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding. 

Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.

Is a GHIC card enough to cover Annual Multi-trip Travel Insurance?

A GHIC (Global Health Insurance Card) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland. 

While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance. 

Annual Multi-trip Travel Insurance provides a wide range of benefits beyond healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to make sure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re planning a skiing holiday or a relaxing golf trip, remember to add extra cover to your policy for a worry-free trip.

Written by: Letitia Smith | Travel Insurance Expert
Last Updated: 3 April 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.