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Annual multi-trip policies

Annual multi-trip policies: What you need to know

This article will tell you about how to purchase, and amend an annual multi-trip policy, and importantly, what it covers you for.

You can find out more information on the benefits of annual multi-trip travel insurance here.

This help article might be useful if, once you have bought your annual multi-trip policy, you want to upgrade your region of cover. or extend your stay.

Length of each trip on annual-multi trip policies

Below is a list of each provider’s maximum trip duration for their annual multi-trip policies. You can also find the products single trip limit for further comparison.

The following abbreviations are used:

maximum single trip duration – Max. ST duration.

Maximum annual multi-trip duration – Max. AMT duration.

 

Policy type Max ST duration Max AMT duration
Explorer Aged 75 and under: 92 days.

Aged 76 to 80: 25 days.

Aged 65 and under: 45 days.

Aged 66 and over: 31 days.

Flexicover Premier 31 days. 31 days.
Flexicover Standard 31 days. 31 days.
Freedom 31 days.
Free Spirit Options 1 Aged under 76: 94 days.

Aged 76 or over: 45 days.

No annual policy available
Free Spirit Options 2 Aged under 76: 94 days.

Aged 76 or over: 45 days.

No annual policy available
Free Spirit Options 3 Aged under 76: 94 days.

Aged 76 or over: 45 days.

No annual policy available
OK Premier Aged under 75: 184 days.

Aged 75 and over: 92 days.

31 days.
OK Premier Plus Aged under 75: 184 days.

Aged 75 and over: 92 days.

31 days.
AllClear Gold Plus 45 days.
AllClear Gold 45 days.
Spectrum Premier 31 days. 31 days.
Spectrum Standard 31 days 31 days.
Traveller Aged 75 and under: 92 days.

Aged 76 to 86: 24

31 days.
Good to Go Classic 94 days. 31 days.
Good to go Gold 94 days. 31 days.
Good to Go Platinum 94 days. 31 days.
Good to Go Silver 94 days. 31 days.
Trust 2 Travel Economy Aged under to 75: 185 days.

Aged 75 and over: 31 day.

Aged under 65: 31 days with an optional extension of up to 45 days.

Aged 65 and over: 31 days.

Trust 2 Travel Premium Aged under to 75: 185 days.

Aged 75 and over: 31 day.

Aged under 65: 31 days with an optional extension of up to 45 days.

Aged 65 and over: 31 days.

Trust 2 Travel Standard Aged under to 75: 185 days.

Aged 75 and over: 31 day.

Aged under 65: 31 days with an optional extension of up to 45 days.

Aged 65 and over: 31 days.

Zurich Basic Aged under 71: 183 days.

Aged 71 and over: 31 days.

Zurich Standard Aged under 71: 183 days.

Aged 71 and over: 31 days.

Zurich Extra Aged under 71: 183 days.

Aged 71 and over: 31 days.

The availability of trip extensions

For some annual policies, you can request a trip extension above the original limit. Please refer to the table below for further details.

The following abbreviations are used:

Annual multi-trip extension – AMT extension.

Terms and conditions for extensions – Ts&Cs for extended stays.

[table id=16 /]

Can you ask for a trip extension if your policy does not automatically offer an Extended stay?

Yes, though the extension is subject to the Underwriter’s permission. If an extended stay is not offered as standard from your policy provider,  contact our Customer Care Team  on 01708 339029 (open 9am to 5pm – Monday to Saturday), and we will refer your circumstances to the Underwriter for consideration. If in response the Underwriter does not offer a trip extension, you may need to purchase a single trip policy.

For the policies which do offer a trip extension as an upgrade, still contact our Customer Care Team. During this call we will process the upgrade, and an additional payment will most likely be required.

 

Please be aware

Travelling for longer than your policy allows can invalidate a claim.