FREEPHONE our UK Sales Centre 7 days a week
0800 848 8608
Did you find this article useful?

Sorry!

How can we improve this article?

[contact-form-7 id="19018" title="help centre feedback form"]
Thanks for your feedback!

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 typeMax ST durationMax AMT duration
ExplorerAged 75 and under: 92 days.

Aged 76 to 80: 25 days.
Aged 65 and under: 45 days.

Aged 66 and over: 31 days.
Flexicover Premier31 days.31 days.
Flexicover Standard31 days.31 days.
Freedom31 days.
Free Spirit Options 1Aged under 76: 94 days.

Aged 76 or over: 45 days.
No annual policy available
Free Spirit Options 2Aged under 76: 94 days.

Aged 76 or over: 45 days.
No annual policy available
Free Spirit Options 3Aged under 76: 94 days.

Aged 76 or over: 45 days.
No annual policy available
OK PremierAged under 75: 184 days.

Aged 75 and over: 92 days.
31 days.
OK Premier PlusAged under 75: 184 days.

Aged 75 and over: 92 days.
31 days.
AllClear Gold Plus45 days.
AllClear Gold45 days.
Spectrum Premier31 days.31 days.
Spectrum Standard31 days31 days.
TravellerAged 75 and under: 92 days.

Aged 76 to 86: 24
31 days.
Avanti ClubUp to the age of 70 – 12 months.

Between the age of 71 and 75 – 90 day.

Over the age of 76 – 31 days.
Up to the age of 70: 31 days with an optional extension of up to 45 and 60 days.

The age of 71 to 75: 31 days with an optional extension of up to 45 days.

Aged 76 and over: 24 days.
Avanti MaxUp to the age of 70 – 12 months.

Between the age of 71 and 75 – 90 day.

Over the age of 76 – 31 days.
Up to the age of 70: 31 days with an optional extension of up to 45 and 60 days.

The age of 71 to 75: 31 days with an optional extension of up to 45 days.

Aged 76 and over: 24 days.
Good to Go Classic94 days.31 days.
Good to go Gold94 days.31 days.
Good to Go Platinum94 days.31 days.
Good to Go Silver94 days.31 days.
Trust 2 Travel EconomyAged 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 PremiumAged 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 StandardAged 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 BasicAged under 71: 183 days.

Aged 71 and over: 31 days.
Zurich StandardAged under 71: 183 days.

Aged 71 and over: 31 days.
Zurich ExtraAged 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.

Policy typeAMT extension Ts&Cs for extended stay
ExplorerNoN/A
Flexicover PremierNoN/A
Flexicover StandardNoN/A
FreedomNoN/A
Free Spirit Options 1N/AN/A
Free Spirit Options 2N/AN/A
Free Spirit Options 3N/AN/A
OK PremierNoN/A
OK Premier PlusNoN/A
AllClear Gold PlusYesAn extension of up to 50 or 55 days is available if the additional premium is paid and accepted in writing.
AllClear GoldYesAn extension of up to 50 or 55 days is available if the additional premium is paid and accepted in writing.
Spectrum PremierNoN/A
Spectrum StandardNoN/A
TravellerYesUp to 45 days if additional premium is paid for extension up to and including age 69.
Good to Go ClassicYesCan be referred on a case-by-case basis for existing policies
Good to go GoldYesCan be referred on a case-by-case basis for existing policies
Good to Go PlatinumYesCan be referred on a case-by-case basis for existing policies
Good to Go SilverYesCan be referred on a case-by-case basis for existing policies
Trust 2 Travel EconomyNoN/A
Trust 2 Travel PremiumNoN/A
Trust 2 Travel StandardNoN/A
Zurich BasicNoN/A
Zurich StandardNoN/A
Zurich ExtraNoN/A

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.

Frequently asked questions about annual multi-trip policies

Can you purchase an annual multi-trip policy which covers your pre-existing medical conditions?

Yes you can. In fact, every policy we offer will cover your pre-existing medical conditions.

Furthermore, due to each provider having varying terms, we will only show you policies which are valid products for your medical conditions and age.

The easiest way to see which providers can offer you cover is by completing our straightforward quote proces

How many times can you travel on an annual multi-trip policy?

Our annual multi-trip policies can allow you to travel as many times as you like throughout your 12 months of cover

When does an annual multi-trip policy start?

Annual multi-trip policies cover you for 12 months from your chosen start date.

You can purchase annual multi-trip policies up to 31 days in advance of your policy start date.

Any claims you make before your chosen start date will not be covered; for example a claim for cancellation.

You've bought a couple/family/group annual multi-trip policy. Can you all travel independently on this policy?

Yes, our annual multi-trip policies do allow each listed person to travel individually, including to separate destinations.

What is the age limit for an annual multi trip policy?

AllClear and many of our other providers have no upper age limits.

By running through a quote using our straightforward quote process, you’ll only be shown a list of providers who can cover your age category.

Related Articles