EuropeAnnual multi-trip, Europe, 21 days
£6
per month
£72
per year (from)
Trips covered: Unlimited
Medical cover: £10,000,000
Multi-policy discount available
Free, quick comparison
Annual multi-trip travel insurance comparison
Compare annual multi-trip travel insurance for people who travel more than once a year — one policy covering unlimited trips up to a set number of days each.
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Europe
EuropeAnnual multi-trip, Europe, 31 days
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your property, location, claims history and level of cover.
What is annual multi-trip travel insurance?
Annual multi-trip travel insurance covers an unlimited number of trips over a 12-month period, up to a maximum length per trip, typically 21, 31 or 45 days.
It works out cheaper than buying single-trip cover separately for anyone taking more than two or three holidays a year, and removes the hassle of arranging new cover before every departure.
What are the benefits of annual multi-trip travel insurance?
Better value for frequent travellers
One annual premium usually costs less than three or more single-trip policies.
No need to re-arrange cover
You are automatically covered for any trip within the policy's maximum duration.
Consistent cover levels
The same medical, cancellation and baggage limits apply to every trip you take.
What does annual multi-trip cover include?
Emergency medical treatment
Overseas medical care and repatriation on every trip within the policy year.
Unlimited trips
Any number of trips covered up to the maximum length per trip, usually 21 to 45 days.
Baggage cover
Lost, delayed or damaged luggage on each trip taken during the year.
Cancellation cover
Non-refundable costs if any trip during the year has to be cancelled.
Travel delay
Compensation for significant delays on outbound or return travel.
Winter sports (optional)
Add-on cover for skiing and snowboarding trips within the policy year.
How does annual multi-trip pricing work?
Insurers price based on your age, the geographical area covered (Europe vs worldwide), the maximum trip length, and any pre-existing medical conditions declared.
Choosing a shorter maximum trip length, such as 21 days instead of 45, generally reduces the premium since it caps the insurer's exposure per trip.
Do you need annual multi-trip cover?
If you take three or more trips abroad a year, annual cover is almost always better value than buying single-trip policies each time.
It also suits people who book trips at short notice, since cover is already in place rather than needing to be arranged before every departure.
How to choose annual multi-trip travel insurance
Check the maximum trip length matches your longest planned holiday — exceeding it invalidates cover for that trip. Compare medical cover limits, and confirm whether winter sports or cruise cover need adding separately.
How to save money on annual multi-trip travel insurance
Choosing Europe-only cover instead of worldwide if that is all you need, opting for a shorter maximum trip length, and paying annually rather than monthly all help reduce the cost.
Related guides
These guides might help.
Does travel insurance cover pre-existing conditions?
How medical screening works, what insurers ask, and when to use a specialist provider.
Single trip or annual multi-trip: which is cheaper?
The break-even point most UK travellers hit after two or three holidays a year.
What pet insurance actually pays out for
Lifetime vs time-limited cover explained, and why the small print matters more than the premium.
FAQs
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Written by the Grow Your Business personal finance team