Multi Trip Travel Insurance Comparison
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Compare Multi-Trip Travel Insurance
Are you looking for cheap multi-trip travel insurance? Whether you’re planning worldwide travel or lots of business trips to nearby destinations, we can help. Here at Tiger.co.uk, we offer free access to a quick and simple insurance quote comparison tool to help you find the insurance you need at a great price.
What is a multi-trip travel insurance?
Multi-trip travel insurance is designed for people who travel a lot. With multi-trip insurance, you take out an annual travel insurance policy, and you will be insured for multiple trips you make within that 12-month period. Different policies will cover different areas. For example, you could get European multi-trip travel insurance or worldwide travel insurance.
What is annual multi trip travel insurance?
This is insurance that covers you for any trips you may make in the space of a 12 month period since the start of your policy.
Is it cheaper to get multi-trip travel insurance?
The cheapest insurance for you will depend on how often you are intending to travel. If you are only going on one trip you will often find it cheaper to get single trip insurance. However, if you are going on two or more trips per year, you might find it cheaper to get multi-trip or annual travel insurance.
What is the difference between single trip and multi-trip insurance?
The key difference between single trip and multi-trip insurance is that multi-trip insurance covers you for multiple trips you make in the selected period, while single trip insurance will only cover you for one trip. Both types of insurance typically cover the same things, such as medical costs, cancellations, and maybe lost luggage.
What is the maximum number of days for a trip on a multi-trip travel insurance policy?
When you choose your multi-trip insurance policy, you can pick how long your maximum trip duration will be. You can usually choose from 30 days, 45 days, or 60 days. As long as you keep each trip within the set time periods and coverage areas, then you will be covered by your insurance policy.
What does multi-trip travel insurance not cover?
Like most other travel insurance policies, multi-trip insurance doesn’t normally cover:
- Medical bills from existing health conditions or lack of vaccinations
- Medical bills caused by alcohol or drugs
- Some dangerous sports and activities
- Travel to destinations that the Foreign and Commonwealth Office advises against
When should I get travel insurance?
You should generally get travel insurance as soon as you book your journey. This way, you will be protected if your holiday or flight gets cancelled shortly after booking. However, some providers may not offer insurance if your trip is more than a year away.
Find great deals on multi trip travel insurance
If you need multi-trip travel insurance, Tiger.co.uk can help you. Simply enter your details to get insurance quote comparisons across some of the top UK providers.
Is annual travel insurance right for the way you travel?
Annual multi trip travel insurance can work well when your year mixes short breaks with a main holiday. If you take one long holiday, a single trip policy may fit better. This quick check can help:
| How you travel | Likely fit |
|---|---|
| One summer holiday and nothing else | A single trip policy |
| A beach holiday plus a couple of city breaks | An annual multi-trip policy |
| Family holidays in each school break | An annual family travel insurance policy |
| One ski week plus summer trips | Annual cover with a winter sports add-on |
| A six month trip around the world | Backpacker or long-stay cover |
Trip length limits on annual multi-trip cover
Annual multi trip insurance caps how long each trip can last. Some policies also cap the total days you spend abroad in the year. The FCDO lists both as things to check (FCDO foreign travel insurance guidance).
If one trip runs past the limit, the insurer may not cover that trip at all, so check the wording. Pick a limit that fits your longest planned trip, not your average one.
Tiger.co.uk compares annual and single trip quotes from up to 15 travel insurance providers. That makes it easy to price a year of cover against one-off policies before you decide.
Europe or worldwide on an annual policy
On multi trip holiday insurance, your cover area should include every country you are likely to visit in the next 12 months. Worldwide policies can be split into versions that include or exclude the USA, Canada and the Caribbean. Check which one you are buying if America is on the list. You can read more on our USA travel insurance page.
Checklist before you renew annual cover
- Update your medical declarations for everyone on the policy.
- Check the age limits still apply to you.
- Look at the trip length limit against next year’s plans.
- Add winter sports or other activities you have planned.
- Compare the renewal price against new quotes.
Can I add winter sports to an annual policy?
Many insurers offer winter sports as an add-on to annual cover. Check how many days on the snow it includes each year and whether off-piste skiing needs a guide.
What if my health changes during the year?
Tell your insurer as soon as it changes, even if you have no trip booked yet. The FCDO says you should declare medical conditions, including ones still being investigated, or risk your cover not paying out.
Does annual cover include trips within the UK?
Some annual policies cover UK trips, often only when you have pre-booked accommodation or travel a set distance from home. Check the definition of a trip in the wording.
Is there an upper age limit on annual travel insurance?
Some insurers set one. The FCDO flags age restrictions as something to check, particularly on annual policies, so make sure the policy still accepts you at renewal.
Does my annual policy cover a trip I booked before it started?
Cancellation cover usually starts on the policy start date. If you book a trip before your annual cover begins, check whether the insurer will cover that booking.
Can my whole family share one annual policy?
Yes, many insurers sell annual family policies. Check whether children are covered if they travel without you, such as on a school trip.
Ready to cover the year ahead? Compare annual multi-trip quotes with Tiger.co.uk or head back to the main travel insurance page. Travelling with a car? Breakdown cover and car hire excess insurance sit alongside an annual policy. Cover varies by insurer, so check the policy details before you buy.
Fact-checked by Ian Wilson, Managing Director at Tiger.co.uk. 20+ years in price comparison; MEng, Queen’s University Belfast.
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