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What is Annual Multi-Trip Travel Insurance?
Annual Multi-Trip Travel Insurance lets you cover several holidays with one 12-month policy.
With AllClear, there’s no upper age limit for your annual policy. You can take multiple trips, spending up to 183 days away in total during your policy year.
Why do you need Annual Multi-Trip Travel Insurance?
Your next holiday might already be booked, while another is still just an idea. An annual policy covers eligible trips in your chosen region throughout the policy year, so you don’t have to sort separate insurance for each trip.
This is important because unexpected medical costs can soon add up. Recent AllClear claims from last year have reached almost £1 million.
Annual Multi-Trip Travel Insurance can help with:
- Medical treatment abroad if an unexpected illness or injury interrupts your holiday, including problems linked to declared and accepted medical conditions
- Prepaid holiday costs you can’t recover elsewhere if you have to cancel an insured trip for a covered reason
- Getting you home when medically necessary following a medical emergency while you’re away
Always read the Policy Wording for cover limits, conditions and exclusions.
What are the benefits of Annual Multi-trip Travel Insurance?
Annual Multi-Trip Travel Insurance lets you arrange cover for a year of holidays in one go. If you enjoy getting away regularly, it could save you time and offer better value than buying separate policies.
- One policy for several holidays – Arrange insurance once for eligible trips during your 12-month policy
- Potential savings across the year – Annual cover may be more cost-effective than separate Single Trip policies
- Last-minute plans – An extra break can be covered if it meets your policy’s destination and trip limits
- A choice of travel regions – Choose a region that includes the places you plan to visit throughout the year
With AllClear, you can take an unlimited number of trips, up to 183 days away in total per policy year. Each holiday must stay within your individual trip duration limit.
Why choose AllClear for Annual Travel Insurance?
If you’re looking forward to several holidays, choose a provider that understands your health needs as well as your travel plans. With AllClear, you can benefit from:
Specialist medical cover for declared and accepted pre-existing conditions, with over 1,300 conditions covered
No upper age limit on Annual Multi-trip policies, so you can keep planning holidays at every age
24/7 emergency medical assistance with an English-speaking helpline when you need help abroad
Over 25 years of experience helping people arrange Travel Insurance with medical conditions
Award-winning customer service from a team ready to help you understand your cover options
What does AllClear’s Annual Multi-trip Travel Insurance cover?
AllClear offers structured cover levels to suit different travel budgets. The three cover levels are Gold, Gold Plus, and Platinum, each providing different cover limits. The right choice depends on where you are travelling, how often you plan to go away, and what level of cover gives you peace of mind during your trips.
Across these levels, benefits include emergency medical expenses, repatriation, cancellation, and lost baggage. Optional add-ons are available.
What’s covered?
- Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
- Cancellation and cutting your trip short – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
- Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
- Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
- Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday
What’s not covered?
- Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
- Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
- Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy
Levels of Travel Insurance cover
Buying a Single Trip or Annual Multi-Trip policy? Choose from three levels of cover: Gold, Gold Plus, and Platinum.
Gold
Endorsed by Which?
Emergency Medical & Repatriation Cover
£10,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£2,000
Gold Plus
Endorsed by Which?
Emergency Medical & Repatriation Cover
£15,000,000
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£5,000
(Up to £15,000 available)
Platinum
Endorsed by Which?
Emergency Medical & Repatriation Cover
Unlimited
24/7 English-speaking emergency helpline
Cancellation and cutting your trip short
£10,000
(Up to £25,000 available)
All these figures are per person, and per trip.
How to choose the right Annual Travel Insurance
Get an annual quote and compare it with the cost of separate Single Trip policies for your planned holidays. Include trips you’re considering later in the year, particularly if they involve different regions, cruises or activities.
Check that your longest holiday fits within the trip limit, including travel days. If you’ve already booked, check when cancellation cover would begin before choosing your policy start date.
Read the Policy Wording before buying, and speak to our team if you’re unsure how your plans fit the cover.
Annual Multi-trip vs Single Trip Travel Insurance
Not sure whether Annual or Single Trip Travel Insurance is right for you? Here’s a simple comparison to help you quickly understand which option suits your travel habits and budget.
| Feature | Annual Multi-Trip | Single Trip |
|---|---|---|
| Number of trips | Unlimited trips within 12 months, subject to trip and annual day limits | One trip |
| Best for | Several holidays during the year | One holiday or a longer stay |
| Cost | Could offer better value for multiple trips | Priced for your chosen trip |
| Convenience | Arrange cover once for eligible trips throughout the year | Arrange a new policy for each trip |
If you take three holidays a year, is Annual or Single Trip Travel Insurance better?
Annual Multi-Trip Travel Insurance could offer better value for three holidays, but compare quotes for your own plans. The price difference will depend on your destinations, medical history and the cover you need.
Compare one AllClear annual quote with the combined cost of three Single Trip policies, using equivalent cover levels. Check that the annual policy includes every destination and allows enough days for your longest holiday.
If one trip falls outside the annual policy’s limits, compare annual cover for your shorter holidays plus a separate Single Trip policy for the longer stay.
How long can Annual Travel Insurance cover you for?
With AllClear, you can take multiple holidays over 12 months and spend up to 183 days away in total.
| Your age | Destination | Maximum days per trip |
|---|---|---|
| 70 or under | All destinations in your chosen region | 45 days |
| 71 or over | USA, Canada, Mexico or the Caribbean | 35 days |
| 71 or over | All other destinations in your chosen region | 45 days |
You can take unlimited trips during your 12-month policy, up to a combined maximum of 183 days away. Each holiday must stay within the trip limit shown on your policy schedule.
Planning a longer stay? Speak to our team before you book to discuss your options, and check your Policy Wording to confirm how long you can travel.
What should you look for in an Annual Travel Insurance policy?
Consider your entire year of travel, including holidays you haven’t booked yet. If you usually visit Europe but are considering a trip to the USA, make sure your chosen region covers both.
Check the maximum length of each trip, not just the policy’s duration. A policy that runs for 12 months won’t cover you continuously abroad for 12 months. Also look at the total number of days you can spend away across the year.
For cancellation cover, work out your share of the most expensive holiday’s prepaid costs and compare it with the policy limit. Check baggage limits against what you’ll take, including the maximum payout for any one item, and make sure you could afford the excess if you claimed.
Declare your medical conditions and check what happens if your health changes during the year. If you’re travelling as a couple or family, check who can travel separately. Finally, make sure any cruises or activities you’re planning are included or can be added.
How much does Annual Travel Insurance cost?
Your annual quote covers your travel plans for the next 12 months. The price depends on who’s travelling, their medical history and the protection you choose.
Where you expect to go makes a difference. Cover for European holidays may cost less than a policy that includes the USA, where medical treatment can be expensive. Choose a region that includes all the destinations you’re considering.
Your quote will also reflect:
Who needs cover – A policy for you alone will be priced differently from one covering a couple or family
Your age and medical conditions – We use each traveller’s details and medical screening answers to calculate the price
The protection you select – Your cover level, excess and optional extras affect the premium
To see whether annual cover offers better value, list the holidays you expect to take and compare one annual quote with separate Single-Trip quotes. Check the benefits and trip limits alongside the price, especially if one holiday is longer or further afield than the others.
Get a personalised AllClear quote online or by phone to see the cost for your plans.
Annual Multi-Trip Travel Insurance with medical conditions
Your health is an important part of planning a year of travel. With AllClear, you can arrange Annual Multi-Trip cover that includes your declared and accepted medical conditions, giving you one policy for your insured holidays.
Our medical screening helps us understand your circumstances, including conditions you manage with regular medication. Complete it online or by phone when getting your quote, and tell us about each person who needs cover.
We can consider more than 1,300 medical conditions. These include:
Diabetes and digestive conditions, from type 1 and type 2 diabetes to Crohn’s disease
Conditions affecting your breathing, such as asthma and COPD
Heart conditions and previous strokes, alongside high blood pressure
Your health may change between holidays. If you receive a new diagnosis, your medication changes or you need further tests or treatment, contact us promptly so we can explain any effect on your cover before you travel again.
Do you need to declare your medical conditions?
Yes – answer all medical screening questions fully and accurately when arranging your annual policy, including for conditions that are stable or managed with medication. Each person on the policy needs to provide the medical information we ask for.
Your answers help us assess the cover available for your year of travel. If you’re unsure about a diagnosis, medication or treatment, check the details rather than guessing. Incomplete or incorrect information could affect your cover or lead to a claim being rejected.
Keep us informed if your health changes during the policy year, even if you’ve already taken a holiday. Contact us promptly so we can review your cover before you travel again.
Read the Policy Wording for the medical declaration requirements and the changes you need to tell us about.
Find the best Annual Multi-trip Travel Insurance for your travels
Annual Multi-trip Insurance may be a more cost-effective option if you plan to take several trips in a year. According to independent research by the Evening Standard, the more you travel every year, the better value an annual policy can be.
We can help you find the best Annual Multi-trip Insurance for your travels:
- Choosing your cover area: Choose from UK trips, European destinations, or worldwide cover, including options for USA, Canada, Mexico, and the Caribbean.
- Cost considerations: When determining the price of your policy, factors such as your age, destination, pre-existing conditions, and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
- Cruise cover inclusions: If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
- Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf, we have options to tailor your policy to your travel style
- Payment options: Pay for your Travel Insurance policy using your debit card, credit card or Apple Pay
How do you get an Annual Multi-Trip Travel Insurance quote?
Get a quote online or over the phone in three simple steps.
1. Plan your year of cover
Tell us who you’d like to insure, when you want your policy to start and the region you’ll be travelling to. Think about all the holidays you might take, including any longer trips.
2. Tell us about your health
Answer our medical questions for everyone on the policy, including details of conditions, medication and treatment. Our team can help over the phone if you’re unsure how to answer.
3. Choose the cover that suits your holidays
Compare your options and check the cover limits against your plans. Make sure the maximum length of each trip suits your holidays, and consider any extras you need for cruises or activities. You can then buy your policy or save your quote for later.
“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”
Letitia Smith , Travel Insurance expert and Head of Communications
What our customers say
Great Cover and Good Price
“I have just taken out an Annual Multi-trip European Policy and I must say I was impressed with Greg who went through everything in detail and answered all my questions, he was friendly, polite and helpful. I’m very happy with the level of cover and service received today. Thanks again Greg.”
Managing your annual policy after purchase
Buying your Travel Insurance is just the beginning. If your plans change, we’re here to help make managing your policy as simple as possible.
Depending on your policy and the changes you need to make, you may be able to:
- Update your contact details
- Amend your travel dates if your plans change
- Add optional extras, such as Gadget or Natural Disaster Cover (where available)
- Access your policy documents
- Get help from our award-winning¹ customer service team
If you need to make changes to your policy or have any questions about your cover, our team is here to help. Simply get in touch and we’ll guide you through the next steps.
Annual Multi-trip Travel Insurance FAQs
Yes. As a specialist Medical Travel Insurance provider, AllClear can cover more than 1,300 pre-existing medical conditions.
When you get a quote, you’ll need to declare all your medical conditions as part of our straightforward medical screening process. This helps us provide cover that’s tailored to your individual needs.
If you’re living with one medical condition or several, we’ll assess your medical history and provide a quote based on the information you give us. You can also find out more about the medical conditions we cover by visiting our dedicated medical conditions pages.
There is no single maximum age limit for AllClear’s Annual Multi-Trip Travel Insurance.
We believe Travel Insurance should be available to as many people as possible, which is why we specialise in helping travellers of all ages, including those living with pre-existing medical conditions.
Your eligibility and the cover available will depend on factors such as your destination, medical history and the type of policy you choose. The easiest way to find out what’s available is to get a quote online or speak to one of our team.
Yes – if you’re planning several holidays together, an Annual Multi-Trip policy could make arranging cover simpler. Compare a quote for both of you with separate policies to see which suits your plans and budget.
Each of you will need to answer the medical questions so your health needs can be considered. Check that the policy includes all your destinations and that the trip limits suit your longest holiday.
If you need to make a claim, contact our claims team as soon as it’s practical to do so.
You’ll need your policy details and any supporting documents, such as medical reports, receipts or proof of cancellation, depending on the type of claim you’re making. Our team will explain what information is required and guide you through each step of the process.
Keeping copies of important documents while you travel can help make your claim as straightforward as possible. You can find full claims information in your policy documents or by contacting our customer support team.
Annual Travel Insurance covers you for multiple trips within 12 months⇞, offering convenience and peace of mind throughout your travels.
This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.
However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.
This depends on how many trips you take each year.
If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.
Money saving expert Martin Lewis recommends buying cover As soon as you book (ASAB). He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.
The start date of your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.
Annual Multi-trip Travel Insurance can offer better value than a Single Trip policy because it covers multiple trips over a year, rather than just one.
So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.
Yes, our annual cover is available for groups of up to 10 people.
Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.
You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy.
However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.
AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding.
Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.
A Global Health Insurance Card (GHIC) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland.
While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance.
Annual Multi-trip Travel Insurance provides a wide range of benefits beyond emergency healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.
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Letitia is a Travel Insurance expert with more than 20 years experience in science and medical communication and helping people find specialist insurance. As Head of Communications at AllClear, she brings in-depth knowledge on medical cover. Letitia cares about supporting people with medical conditions to travel with confidence.
Our content is created and reviewed by a dedicated team of experts
^ Based on UK companies in the 'insurance' category on Trustpilot, as of July 2025. AllClear Gold, Gold Plus and Platinum policies achieved Which? Best buy. AllClear Gold Plus and Platinum has been 5 Star rated by Defaqto.
⇞ Unlimited trips to your chosen region over a 12-month period from the start date of an annual policy, up to a maximum of 183 days’ travel per year. Individual trip duration limits apply.
1 UK Broker Awards, Customer Service Awards 2025.
