from £3.06 per month in December 2023^
Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year. Instead of buying Single Trip Travel Insurance for each holiday, multi-trip insurance will cover all your trips for twelve months.
Over 80%3 of holidaymakers intend to get away more than twice in the next year. If you’re among them, annual cover will protect as many trips as you want, and you could save money and time by not needing to arrange multiple policies.
There are lots of reasons to choose Multi-trip Insurance if you’re taking more than one trip in the next twelve months. These include:
More than 8 in 10 (80.7%3) of those we surveyed plan to take two or more holidays this year. Nearly half (47.6%3) hope to have three or more trips.
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.
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.
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 1,300 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:
High Blood Pressure
Our Annual cover provides a wide range of benefits.
We also have a range of additional cover you can add to your Annual Travel Insurance policy, including cover for cruises, travel disruption, and gadget cover.
The price of annual multi-trip policies depends on a number of factors, including:
Your age – Unfortunately, as you age, the cost of your cover goes up. This is because older people are more likely to make a claim. It’s similar to how younger drivers tend to have more expensive car insurance, because they present a bigger risk to insurers.
Where you are travelling – The cost of medical treatment varies around the world, and this is reflected in the price of annual policies. For example, a visit to hospital in the USA will be more expensive than in France, so worldwide policies usually cost more.
Any pre-existing conditions – The price of your policy will depend on the medical conditions you declare. Some conditions are more likely to lead to a claim, or to higher cost claims. Even if they increase the price, it’s important to always declare any pre-existing conditions.
The cover level you choose – We offer a range of policies with different cover levels to suit your trip. The less cover you need, the cheaper your Annual Travel Insurance will be. Just be sure to choose a policy with enough cover that you’ll get your money back if something happens.
SWIPE TO COMPARE POLICIES
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
When you get a quote for an AllClear Annual Travel Insurance policy, you’ll be asked which region you’ll be travelling to. We offer annual cover for:
Europe (including countries bordering the Mediterranean)
Worldwide (excluding USA, Canada, Mexico and the Caribbean)
Don’t worry – if you decide to travel further afield (for example, if you buy a European annual policy then decide on a one off trip to USA) you can upgrade your policy rather than buying extra cover under separate insurance.
“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
Our Annual Multi-trip Travel Insurance policies allow you to add additional cover 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.
If you’re going away this year to a destination in Europe, you will need a Global Health Insurance Card (GHIC), which has now replaced the EHIC (European Health Insurance Card). The card can reduce the cost of medical emergencies, however, it is not a substitute for Annual Travel Insurance.
You can face financial loss if you choose to travel without Travel Insurance. The GHIC covers emergency medical treatment on the same basis as a resident of the country you’re in. However, the Global Health Insurance Card scheme does not cover other costs or repatriation. Without repatriation cover, you would have to pay air ambulance costs upfront should you need to be medically transported back to the UK
Spain to UK £18,000
France to UK £12,000
Germany to UK £12,000
USA to UK air ambulance – £50,000
Caribbean to UK air ambulance – £60,000
South America to UK air ambulance – £70,000
Protect yourself in a medical emergency with Annual Multi-trip Travel Insurance.
97%4 of customers rate us as Excellent or Great. Hear what our customers say:
“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
Depending on how many trips you take each year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.
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.
Several factors contribute to the cost of Annual Multi-trip Travel Insurance, including;
Region of cover
It’s based on the individual and their travel plans, so will differ from person to person.
Martin Lewis has some great advice. 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.
If you are going on several holidays, an Annual Travel Insurance policy could be of better value. Independent consumer researcher, Which? looked at various providers and various numbers of trips. They discovered just two or more trips made Annual Multi-trip Travel Insurance better value for money in most cases.
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.
Our annual cover is available for groups of up to 10 people. You don’t have to all go on holiday together – any adult named on the policy can travel independently, as many times as they like throughout the year.
You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of purchase. 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.
2 Covid cover rated Superior by a leading Independent UK Consumer Champion.
3 Based On AllClear’s Annual Survey, January 2023. 3,901 Participants
4 From 110,000+ Trustpilot reviews.
5 Providing you have purchased a policy that includes cancellation cover. ^
^ £3.06 per month for a 50 year old with no medical choosing an AllClear Gold annual multi-trip policy to Europe. Price is correct as of 01/12/23.
Written by: Letitia Smith | Travel Insurance ExpertLast Updated: 1 December 2023
3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.
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