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Annual Travel Insurance covers you for multiple trips within your chosen region for 12 months. This type of insurance can cover all pre-existing medical conditions too, allowing you to travel with 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.
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 cutting your trip short – 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
For full details of what is and is not covered, please check your Policy Wording.
You can pick from three levels of policy, tailoring your cover to your budget and needs. Our Gold, Gold Plus, and Platinum policy levels include:
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip and apply to AllClear branded policies only
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, we have options to tailor your policy to your travel style
- Payment options: Pay for your Travel Insurance policy using your debit card, credit card or Apple Pay
AllClear’s Annual Travel Insurance for pre-existing medical conditions
As a specialist Medical Travel Insurance provider, we know many travellers with pre-existing medical conditions take more than one holiday each year. Our Annual Multi-Trip Travel Insurance can cover over 1,300 medical conditions, helping you travel with confidence throughout your policy year.
With an Annual policy, you’ll declare your pre-existing medical conditions when you take out your policy. Once your medical screening is complete, you won’t need to repeat it before every eligible trip during the year, making it easier to plan multiple holidays. If your health changes during your policy, you should let us know so we can ensure your cover remains appropriate.
We’re here to help you find Travel Insurance that suits your needs.
Below are just some of the medical conditions we can provide cover for:
Annual Multi-trip vs Single Trip Travel Insurance
Not sure whether Annual or Single Trip Travel Insurance is right for you? Here’s a simple comparison to help you quickly understand which option suits your travel habits and budget.
| Feature | Annual Multi-Trip | Single Trip |
|---|---|---|
| Number of trips | Unlimited trips within 12 months | One trip only |
| Best for | Frequent travellers | Occasional travellers |
| Cost | Often cheaper over multiple trips | Lower upfront cost |
| Convenience | One policy for all trips | New policy needed for each trip |
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 an Annual Multi-trip quote online or by phone
Once you’re ready to start your quote, the first step is to provide your personal details and choose your destination region. This can be completed over the phone with one of our team members or online.
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.
“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
Great Cover and Good Price
“I have just taken out an Annual Multi-trip European Policy and I must say I was impressed with Greg who went through everything in detail and answered all my questions, he was friendly, polite and helpful. I’m very happy with the level of cover and service received today. Thanks again Greg.”
Managing your annual policy after purchase
Buying your Travel Insurance is just the beginning. If your plans change, we’re here to help make managing your policy as simple as possible.
Depending on your policy and the changes you need to make, you may be able to:
- Update your contact details
- Amend your travel dates if your plans change
- Add optional extras, such as Gadget or Natural Disaster Cover (where available)
- Access your policy documents
- Get help from our award-winning¹ customer service team
If you need to make changes to your policy or have any questions about your cover, our team is here to help. Simply get in touch and we’ll guide you through the next steps.
Annual Multi-trip Travel Insurance FAQs
Yes. As a specialist Medical Travel Insurance provider, AllClear can cover more than 1,300 pre-existing medical conditions.
When you get a quote, you’ll need to declare all your medical conditions as part of our straightforward medical screening process. This helps us provide cover that’s tailored to your individual needs.
If you’re living with one medical condition or several, we’ll assess your medical history and provide a quote based on the information you give us. You can also find out more about the medical conditions we cover by visiting our dedicated medical conditions pages.
There is no single maximum age limit for AllClear’s Annual Multi-Trip Travel Insurance.
We believe Travel Insurance should be available to as many people as possible, which is why we specialise in helping travellers of all ages, including those living with pre-existing medical conditions.
Your eligibility and the cover available will depend on factors such as your destination, medical history and the type of policy you choose. The easiest way to find out what’s available is to get a quote online or speak to one of our team.
If you need to make a claim, contact our claims team as soon as it’s practical to do so.
You’ll need your policy details and any supporting documents, such as medical reports, receipts or proof of cancellation, depending on the type of claim you’re making. Our team will explain what information is required and guide you through each step of the process.
Keeping copies of important documents while you travel can help make your claim as straightforward as possible. You can find full claims information in your policy documents or by contacting our customer support team.
Annual Travel Insurance covers you for multiple trips within 12 months⇞, offering convenience and peace of mind throughout your travels.
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.
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.
Money saving expert Martin Lewis recommends buying cover As soon as you book (ASAB). 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.
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.
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.
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.
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.
A Global Health Insurance Card (GHIC) 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 emergency healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.
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Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Our content is created and reviewed by a dedicated team of experts
*Discount applies to the base premium only, does not apply to any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 28/09/26. Terms and Conditions apply.
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinium has been 5 Star rated by Defaqto.
⇞ Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days’ travel per year. Individual trip duration limits apply.
1 UK Broker Awards, Customer Service Awards 2025.
