What is Annual or Multi-Trip Travel Insurance?
Annual multi-trip travel insurance is designed to cover those travelling more than once a year and some providers on our panel may limit each trip length to around 31 or 45 days.
You should check the specific policy wording of your chosen provider before you purchase. The number of trips per year will more often than not be unlimited as long as you return within the number of days specified.
However, some insurers do offer extended trip lengths of up to 60 days for which there will be an additional cost.
Why Should You Get Annual Multi-Trip Travel Insurance?
If you have plans to travel more than once within the year then an annual multi-trip travel insurance policy could prove to be more cost effective and more convenient for you.
An annual multi-trip policy allows you to travel as many times as you want within 12 months, as long as your trips start and end in your home country. When you come to purchase your annual multi-trip policy you’ll have to choose the region you’ll be travelling to rather than the individual countries. This could be Europe, Worldwide excluding USA, Canada and Caribbean or Worldwide including USA, Canada and Caribbean depending on how far afield you plan to travel.
What Is Included in Our Annual Travel Insurance?
Our annual multi-trip policies include a number of benefits:
- Access to a 24 hour emergency medical assistance service.
- Unexpected medical treatment for your declared conditions.
- For mild or severe medical conditions.
*Providers will vary, so do check the cover limits of the policy you intend to purchase.
What Are You Covered for with Annual Travel Insurance?
Our annual travel policy covers:
- Medical expenses covered up to £15,000,000.
- Cancellation and Curtailment covered up to £5,000.
- Personal Belongings covered up to £3,000.
- Any age. Any medical condition. Any destination.
Not all holidays are created equal, and so neither are our travel insurance policies. You can choose the best policy for your needs. With an annual multi-trip policy, you are covered for any number of trips in the 12 month period – from a city break to Paris to an adventure in Asia. Get your quote online today!
What Pre-Existing Medical Conditions Does the Annual Travel Insurance Cover?
Your annual travel insurance policy will cover you for all the medical conditions that you have declared to us. You can declare your medical conditions through our medical screening process, which is a set of questions for us to understand how your medical conditions affect you.
It’s important that you declare all your pre-existing conditions on your annual multi-trip travel insurance bills.
Frequently Asked Questions
How far in advance can you buy annual multi-trip travel insurance?
For annual multi-trip cover, you can get a quote up to 31 days in advance of purchase. This does not have to be the departure date of your trip, but the date you wish for cover to begin. Please note that the start date must be on or before you leave for your trip.
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.
What are the benefits of choosing an annual multi trip policy?
There are many benefits of choosing annual medical travel insurance. If you’re travelling to the same region, you will generally pay lower premiums for an annual policy compared to buying multiple single trip policies.
Generally, an annual multi-trip policy starts to become more cost
effective when you are travelling three or more times in a 12-month period. However, there can be instances where an annual policy is more cost effective even for 2 trips a year.
For example, if you are travelling for 45 days each time for two
trips, an annual multi-trip policy could still be cheaper.
How often can you travel with a year-long policy?
For most policies, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of cover.
However, there are restrictions on the length of time you can be away for any one trip. You can see the maximum trip duration for each of our providers here.
Where can you travel to with AllClear’s annual multi-trip policy?
You have three regions to choose from: Europe, Worldwide excluding North America, and Worldwide including North America.
Is it best to buy a single or an annual multi-trip policy?
Whether buying a single or annual multi-trip policy is best for you, it depends on how often you intend to travel during the next 12 months. If you are going on holiday multiple times throughout the year, an annual policy could work out better value for you.
With an annual multi-trip policy you can travel as many times as you like throughout the period of your insurance. There are, however, limits on the number of days you can be away for any one trip; which for some providers also depends upon your age.
What if you purchase an annual multi-trip policy then your medical conditions change?
If you’ve purchased an annual multi-trip policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.
How do you renew your annual multi-trip policy when it runs out?
You will receive an email up to 30 days in advance letting you know your policy is due to expire. You can renew your annual multi-trip policy simply by logging into your account through the customer login area. If your circumstances have changed, simply go through the AllClear quote process for up to date comparison quotes.
You’ve bought a couple/family/group annual multi-trip policy. Can you all travel independently on this policy?
Yes, if you’ve purchased an annual multi-trip policy for multiple people, you will be covered for independent trips.
Can you purchase an annual multi-trip policy which covers your pre-existing medical conditions?
Yes, you can. Once you complete the medical screening, you will be offered a number of products that will cover your pre-existing medical conditions. Each provider has varying terms and some may have age restrictions, and you will be offered those annual products which will cover you valid for both your medical conditions and your age. AllClear Gold and Gold Plus products have no age limits on annual multi-trip policies.
What is the age limit for an annual multi trip policy?
AllClear 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.