Annual Multi-Trip Insurance

You pay one premium at the start of the year and you're covered for unlimited trips during that 12-month period. Each individual trip can be up to a maximum number of days (typically 31, 45, or 62 depending on the policy).

Most standard policies allow trips of up to 31 days. If you take longer holidays, you'll need to choose a policy with a longer trip duration—typically 45, 62, or 90 days. Some policies offer 120+ days for extended travelers.

The tipping point is usually 2-3 trips per year. If you're taking a couple of holidays plus some weekend breaks, annual cover almost always works out cheaper—and more convenient.

Yes, but it's usually an add-on at extra cost. Some policies include a limited number of winter sports days (e.g., 17 days per year). Check if this covers your skiing plans, or upgrade for unlimited winter sports.

Most annual policies include business travel by default. This covers attending meetings, conferences, and exhibitions. Manual labour or hazardous work activities typically require specialist cover.

Yes! Family annual policies cover two adults and all dependent children (usually up to 18, or 23 if in full-time education) for one premium. This is significantly cheaper than individual policies.

Europe cover typically includes all EU countries plus popular destinations like Switzerland, Turkey, and Egypt. Worldwide cover adds North America, which has expensive medical costs. Choose based on your travel plans.

Some providers offer medical screening to cover pre-existing conditions for an additional premium. Basic policies may exclude them. Declare all conditions honestly—undisclosed conditions will void your claim.