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Multi-trip travel insurance: compare cheap quotes online

If you often take several family holidays or weekend breaks each year, or you make overseas business trips fairly regularly, it might be a good idea to take out multi-trip travel insurance. Not only will this prove more convenient because you won’t have to take out travel insurance each time you’re due to jet off, but it could also work out cheaper than a series of single-trip travel insurance policies.

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What is multi-trip travel insurance?

It’s a type of travel insurance policy that covers a 12 month period and is intended to insure travellers that take several trips each year. It’s also known as annual travel insurance.

Do I need multi-trip travel insurance?

If you travel more than two or three times a year then multi-trip travel cover can be the cheapest way to protect yourself from unforeseen accidents and mishaps on holiday.

However, if you don’t go away very often a single-trip policy may well be better value.

How long can I be away for with multi-trip annual travel insurance?

A multi-trip policy will cover you for several holidays within a 12-month period but each trip can only last for a certain amount of time.

Insurers set their own limit on the length each holiday can be – typically this is set at 31 days. The limit may be more or less than this, though, so it’s important to check what your policy states before you go away.

If you’re planning on taking a gap year, or are travelling for a few months at a time, a backpacker travel insurance policy may be more suitable. These policies are aimed at anyone travelling continuously (usually across several countries) for an extended period of time.

What countries does multi trip travel insurance cover me for?

You can buy multi-trip and single-trip policies for these areas:

• Europe
• Worldwide including the USA and Canada.
• Worldwide excluding the USA and Canada.

As basic as it sounds, it’s important to check that the policy you choose covers you for the country you’re going to.

Don’t assume that Europe only includes countries within the European Union or on mainland Europe. For example, some insurers class Egypt, Israel and Morocco as Europe rather than worldwide.

What does travel insurance multi-trip cover?

Whether you choose a single-trip or multi-trip policy, good holiday insurance should include:

• Medical expenses – this is one the most important aspects of a travel insurance policy when you’re venturing overseas. Bear in mind that some countries (like the USA) have very expensive healthcare systems. A good policy will cover you for anything between £2 and £5 million worth of medical expenses.
• Emergency repatriation – covers the cost of getting you back home in a medical emergency.
• Cancellation or curtailment – compensates you if you have to cancel or cut short (curtail) your holiday through no fault of your own. You should buy your insurance as soon as you book your holiday – this means you’ll benefit from compensation if your holiday is cancelled for reasons out of your control.
• Missed or delayed departure – compensates you for any costs you face if your flight’s been delayed or you’ve missed it for reasons you can’t control – like a road accident that caused a traffic jam.
• Lost or damaged luggage – covers the cost of replacing your luggage if it’s lost in transit, delayed, damaged or even destroyed.
• Personal liability – pays legal fees and compensation if you have an accident and cause damage or injury to other people or their belongings.

What’s the best multi-trip travel insurance for me?

The best multi-trip policy for you is one that covers you for the potential risks you face as well as your own individual circumstances. This means you’ll need to declare any pre-existing medical conditions (illnesses that you’ve already been diagnosed with prior to taking out a policy).

You’ll also need to check if a policy comes with any age limits. Some insurers will only cover travellers up to a certain age. If you’re older than the limit set you may need to consider more specialist cover such as over 75s or over 80s holiday insurance.

You can make sure your policy gives you the protection you need by adding on extra features, for instance:

• Winter sports cover – this covers mountain rescue costs and compensates you for lost, damaged or stolen equipment. Standard policies won’t typically include winter sports cover so if you’re going skiing or snowboarding, this is a must-have addition.
• Extreme sports cover – it’s highly unlikely that standard policies will cover you if you take part in any sports or activities that are considered ‘risky’ – for example rock climbing, bungee jumping and paragliding. Different insurers will have their own definition of what a ‘risky’ activity is so be sure to read the small print of your policy.
• Gadgets cover – this covers the cost of damaged or stolen gadgets like your smartphone, camera, tablet or laptop. Gadget cover is sometimes included with home insurance policies so it’s always worth checking your home contents cover to save you paying for protection you may already have.

Where can I buy cheap multi-trip travel insurance?

Cost is always an important factor when it comes to buying insurance but it’s vital not to scrimp on cover – after all, it can help provide crucial support if something unexpected happens.

You can of course make savings by only buying the cover you need and not duplicating insurance you already have.

With all of this in mind, you should compare various policies first so that you can be confident that the one you choose covers all the essentials (like the activities you’ll be doing).

To start comparing, you can begin your quote right here at Quotezone.co.uk. We work with more than 35 different travel insurance providers to help you find the right policy at the right price.