In this article:
What is annual multi trip travel insurance?
Annual travel insurance is for the globetrotters of the world.
So, if you’re lucky enough to more than a couple of times a year... First of all - good for you! Secondly, if you’re a prolific traveller looking to sort out your travel insurance in the quickest and most straightforward fashion - you’ve certainly come to the right place.
We compare quotes for annual travel insurance so you don’t have to. We get it. Shopping around for travel insurance is a faff that you could do without - especially when you’re busy doing as much travelling as you do!
The beauty of annual travel insurance is that it covers you for the whole year. Instead of buying insurance for every single trip you go on - you could save precious time and money by taking out an annual policy to cover you for multiple trips.
Obviously, annual travel insurance is usually more expensive than single trip insurance, for instance - but it’s likely that you’ll find it much more cost-effective on the whole. Especially if you’ve got a few getaways in the pipeline!Get a quote
What will your annual holiday insurance policy cover?
As you know, an annual travel insurance policy applies for multiple trips - but what else does it actually cover?
If you spare a moment to think about it, the more you travel, the more important it is to be covered. That’s because there’s even more chance that unforeseen circumstances might arise.
Take cancellation and curtailment, for instance. It’s important to ensure that you’re covered if you need to cancel or cut a holiday short for whatever reason. We all know how expensive holidays can be, so you’ll want to make sure you can recover as much of that cost as you can.
It’s important to remember that cancellation cover will only start as soon as your policy does - so you might want to start your policy before your very first trip - just to make double-sure you’re fully protected.
You’re also more than justified in expecting annual travel insurance to protect you against medical expenses. This includes the cost of certain specialist medication, overnight hospital stays and even something as dramatic as medical repatriation back to the UK.
Obviously no one plans to become unwell, but you can plan to be covered against any costs that might crop up if you do. Loss of personal items and theft will also usually be covered in an annual policy.
How does annual travel insurance work?
Although you only have to make a one-off purchase to cover you for the year, annual insurance works in the same way as any other type of travel insurance.
Cover starts from the moment you purchase your policy - for exactly a year. As you get towards the end of your year-long coverage, it’s likely that you’ll be asked if you want to renew for another year.
If you’re satisfied with your premium and confident that you’ll be enjoying just as many holidays next year, then this might be a good option - although you could always shop around for a better deal if you fancy.
Another thing to keep in mind as far as annual cover is concerned is the amount of time you’re covered per trip. Although annual insurance covers you for multiple trips, each trip is normally limited to around 31 consecutive days of travel. This can vary from policy to policy - so if you are planning a 60-day beach getaway, be sure to check!
In fact, as a rule of thumb - it’s always important to double-check the extent to which you’re covered before jumping the gun with long-term travel arrangements.
How does annual travel insurance work?
When it comes down to it - it’s about value for money.
Our advice would be to carefully assess your options. Ask yourself honestly - do I travel frequently enough to warrant getting annual insurance?
If not, you might find that single trip insurance is better. Either way, the priority is getting the right level of cover to suit your needs - and we’re on hand to help you every step of the way.
It only takes a few minutes to compare annual travel insurance quotes through our hassle-free online service. We work with over 30 specialist providers - so you have the freedom to buy from the very best.Get a quote
Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover at the right price!