Show So, I made a new resolution this year: to travel more! I’ve got three trips booked so far (one for work, two for myself) – and someone mentioned that I should think about buying annual multi-trip travel insurance. If you’re in the same boat, here’s a quick run-down of what annual multi-trip travel insurance covers and why it’s possibly better than a one-trip policy. What is annual multi-trip travel insurance?
So, how does it work?
The perks I like most include:
(You can still get these perks with a one-trip policy, but it’s nice knowing you’ll have this cover for every trip you take.) Is it better than one-trip trip travel insurance?
The best way to figure it all out is:
Grab an Annual multi-trip quote for your holidays now or phone us on 1300 552 701 with your multi-trip or one-trip questions! +612 9333 3999 1300 401 177
With so many travel insurance policies available, it can be difficult to know which one is best for you. When it comes to single and multi-trip travel insurance, it’s important to know the variations, as it could mean the difference between losing and saving money. The key differencesSingle trip insurance policies are designed for people who only take one or two holidays a year, whether that is a short trip to the Algarve or a three-week jaunt in Japan. Wherever you decide to go, you must ensure that the insurance covers you for the entire trip. Multi-trip policies, on the other hand, are for those lucky enough to enjoy more than two journeys a year. These policies are often better value for money than buying single trip cover for each separate holiday you take. Multi-trip policies should allow you to take as many journeys a year as you like, but double-check for any restrictions before you buy. Moreover, most policies will limit the length of each trip can be (usually between 31 and 45 days). Again, read up on any restrictions before making a purchase, as you don’t want to be left without cover halfway through your journey. Things to consider when booking a single or multi-trip policyWhatever policy you’ve decided to opt for, there are several things you must take into account before putting down any money. Where are you going on your travels? This is important to know, as most insurance companies have separate cover for Europe and the rest of the world; some worldwide policies even exclude the US, Canada and the Caribbean, so be sure to check. If you’re unsure what type of cover you need, ask the travel insurance company first. There are many different levels of cover too, so you need to ensure you’re picking the one that best suits your requirements. You might be working or volunteering during your trip, or participating in activities such as football or snorkelling. If this is the case, you may need a particular type of cover. Every policy will offer basic medical cover for unexpected or new injuries and illnesses, and we suggest your cover includes at least two million pounds of emergency medical cover and repatriation; although this figure should be closer to £5 million if you’re travelling outside of the European Union. To ensure you are covered for all medical emergencies, all existing medical conditions must be declared before you purchase travel insurance. If you don’t or fail to check that the policy covers your condition, you could be left out of pocket should you require medical treatment abroad, which can be incredibly expensive. The cancellation cover must be enough to encompass the pre-paid cost of your trip(s). The cost of emergency items of clothing should also be accounted for in case your bags are lost by your airline, as well as your baggage and personal possessions if they are lost, damaged or stolen. Remember that once you’ve purchased your policy, you have 14 days to ensure that it’s the right cover for you, so read through it thoroughly. If you have any questions, ask your insurer to answer them as soon as possible. *Please note, Holidaysafe's online prices automatically include a 15% discount against our Customer Service Centre prices. This code entitles you to an additional 5% off your policy, and is a discount from the base price, not including the additional cost of optional extensions or any additional medical premium. Annual travel insurance is sometimes called yearly travel insurance, or yearly holiday insurance, because it covers any travel within the 12-month period for which you are insured. The alternative, single trip travel insurance, will only cover you for one specific trip.
Search for annual or single trip travel insurance with Uswitch and theIdol.com* The market for yearly travel insurance is quite wide – it could be couples who want cover for multi trip travel insurance because they enjoy short breaks in European cities. Or it could be annual family travel insurance for families who like to go on a couple of foreign holidays a year. Bear in mind that the best annual travel insurance or annual multi trip insurance is not necessarily the cheapest. It's the best option for the trips that you are planning to make and provide the convenience of knowing you are covered for all your holidays. For example, if you're looking for worldwide annual travel insurance, then you need to ensure that there is sufficient medical cover included in your policy. Visits to countries, such as the United States, can lead to high medical bills if you need medical care, which can cost tens of thousands of pounds. If you're only travelling within Europe, then you can specify you want a European only annual travel insurance policy when you are comparing cover. This will be cheaper than worldwide cover. You can find good value, cheap annual travel insurance by using an insurance comparison service, which shows you deals from a panel of different multi trip travel insurance providers. Annual travel insurance is great for people who made a lot of short trips abroad – for example a couple of foreign holidays and some long weekend breaks. There are limits on just how many days per trip and in total you can spend abroad but they suit most holidaymakers. It also means that you know you have travel insurance in place each time you want to travel. That means your travel plans could be spontaneous and you could book a holiday at the last minute or change your travel plans mid-trip. If you are fully vaccinated and buy a new annual travel insurance policy it will cover you for cancellation or disruption due to Covid. It will also pay out and help you if you are taken ill on holiday with Covid that needs medical treatment. If you have chosen not to be vaccinated, the risk of you getting Covid and of your symptoms being much worse is so great, insurers will not cover you for any Covid risks. You would be covered for any other illnesses and risks, just not Covid. Our comparison tool for travel insurance quickly shows what each insurer’s policy is towards Covid so you can compare and be sure you get the appropriate cover for you and your family. If you're using a travel insurance comparison site, you will be shown a number of options. Once you have this series of annual travel insurance quotes, you can buy your annual travel insurance by clicking through to the provider who best meets your needs. Bear in mind that when you are buying annual travel insurance, you need to declare any pre-existing medical conditions that might affect your policy. These are medical conditions for which you're currently receiving treatment or medication, or from which you are recovering. If you're looking for annual travel insurance over 65, or annual travel insurance over 70, you may find that your options for cover are more limited, and the number of insurers who are willing to offer you an annual travel insurance policy may be smaller. However, there are still specialist providers who will be willing to provide yearly travel insurance for older customers, or for those who have pre-existing medical conditions, but who want travel cover. Search for annual or single trip travel insurance with Uswitch and theIdol.com* If you travel a lot and you're looking for a policy that will cover you for a number of trips abroad within a 12-month period, then an annual policy might be the best option for you. If you're only planning one foreign trip, then you will find a single trip travel insurance policy to be the best value. Compared to single trip cover, multi-trip travel insurance can be:
Multi-trip travel insurance policies will usually have a limit on the number of days one trip can last, or a maximum number of days they will cover. This is usually 30-31 days, but this can differ by policy. So if you're a jet-setter who's on holiday more than you're at home, you might have to take out specialist backpacker cover or consider single trip cover each time you travel. Just like single trip cover, the cost of multi-trip travel insurance can vary greatly depending on many factors, including:
The easiest way to find out how much your policy will cost is by doing a quick quote online. But as a guide, an annual travel insurance policy could cost just a little more than cover for a single trip, meaning it could be very economical if you go away a few times in a year. While annual travel insurance can help you save money compared to buying lots of single trip policies, it's important to find the right cover and not just base your choice on price. Here's a list of things to check before you buy your travel insurance policy:
Most of this information is available when you get a quote online, so you can easily find the right policy for your needs. If you have a pre-existing condition, you can still get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions. Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions. Search for annual or single trip travel insurance with Uswitch and theIdol.com* *To help you compare travel insurance policies and find the right cover for your requirements, Uswitch has selected theIdol.com to provide you with quotes. Quotations are provided by theIdol.com on a non-advised basis. This means that no advice is given or implied and you are solely responsible for deciding whether the policy is suitable for your needs. theIdol.com is a trading name of Investment Discounts Online Ltd and is registered in England and Wales, registration number 04231834. Registered address One Coleman Street, London, EC2R 5AA. Authorised and regulated by the Financial Conduct Authority, registration number 197451. Investment Discounts On-Line Ltd is part of the Legal & General Group. This can be confirmed at http://www.fca.org.uk/. View theIdol.com's Our Services Document, Privacy policy and Terms & Conditions. |