Multi-trip travel insurance

Compare cheap quotes for multi-trip travel insurance with[1]

Get yourself covered for multiple trips with an annual travel insurance policy

Annual travel insurance - also known as multi-trip insurance - covers you for all the trips you’re planning on taking over the course of a year. Single-trip travel insurance, on the other hand, only covers you for one holiday.

If you’ve got more than one trip planned this year, it makes sense to take out annual travel insurance.

It’s there to save you money, and time too, as you’ll only have to go through the process of taking out cover once a year.

What’s covered?

Most insurers offer three different levels of annual travel insurance. They’ll all provide cover for the following things - what changes is the amount of cover you have:

  • Medical expenses - Cover for emergency treatment and accessing private healthcare when needed. Unless you mention a pre-existing condition when you take out insurance it won’t be covered though.
  • Repatriation - If you need to be brought back to the UK because of your health.
  • Personal liability - This is cover for if you injure someone, or damage their property, and you’re legally responsible.
  • Delays and cancellation - If you need to cancel your trip, or there are problems with your flights. You’ll need cover in place before you travel to be covered for cancellation.
  • Lost or delayed luggage - To replace essential items on an outward journey.
  • Theft or loss of personal possessions - Things like gadgets, money or travel documents. Double check you’re not covered as part of your home insurance first though, if you have it. Only one will pay out.

How much cover you have for each depends on your policy so it’s worth looking at the policy docs to see. You’ll see cover levels when you compare quotes with us too.

Depending on where you’re planning on going this year you can pick from three types of annual cover:

  • European
  • Worldwide
  • Worldwide excluding the USA, Canada and Caribbean

52% paid just £25.68 or less for annual travel insurance [2]

[2]52% of customers who purchased annual travel insurance for their families travelling to Europe paid £25.68 or less at (01 July - 30 Sep)


  1. You won’t need to purchase a new policy every time you travel. This is the main advantage - it saves you a lot of hassle

  2. It’s usually more cost-effective than buying multiple single-trip policies - the more trips you take, the more money you’ll save

  3. Policies sometimes include cover for sports and recreational activities - you’ll need extra cover for more extreme sports though


  1. Policies can contain time limits for each individual trip. If you’ve got a longer trip planned, annual cover isn’t the answer - you’ll need long-stay travel insurance

  2. If you’re only taking a couple of trips, it doesn’t always work out cheaper - particularly if your second trip is in the UK or Europe - compare multi-trip versus two single policies to make sure you’re getting the best deal

  3. Some providers won’t offer annual cover for travellers over a certain age, so check the upper age limits – if you’re a senior, compare travel insurance policies for over-70s

Optional extras

Sometimes these are covered as standard and wrapped up in the price of your policy, and other times you can add them for a fee.  If you need them, check whether adding them as an optional extra works out more expensive than having them included in your cover.

  1. Winter sports insurance

    If you’re planning any ski or snowboarding holidays

  2. Gadget cover

    Which can protect expensive tech - like mobile phones, cameras and tablets - against theft and accidental damage

  3. Golf cover

    To protect you and your clubs wherever in the world you tee off

  4. Cruise cover

    For cover needs specific to your trip like cabin confinement or falling ill while at sea

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