Annual Multi-Trip Travel Insurance

If you’re planning to travel more than once or twice within 12 months, an annual multi-trip travel insurance policy could save you time and money. Instead of buying cover for each trip individually, you’ll be covered for unlimited trips across the year - giving you the flexibility to travel when you like, without the hassle of arranging new cover every time.

At Traveladder, we make it easy to compare annual policies from a wide range of trusted insurers. Whether you’re a frequent flyer, a business traveller, or someone who likes to escape for a few last-minute breaks throughout the year, annual multi-trip cover gives you year-round protection and peace of mind.

Most annual policies come with a maximum trip length (typically 31 days per trip) but some policies may offer longer durations, so it’s important to check this based on your travel plans. All trips must start and end in the UK.

As standard, annual multi-trip policies usually include cover for:

• Emergency medical expenses 
  Including hospital care and repatriation, with limits often exceeding £5 million.
• Trip cancellation and curtailment 
  In case you need to cancel or cut a trip short due to illness, injury or other unforeseen events.
• Baggage and personal belongings 
  Cover for loss, theft, or damage to your items while travelling.
• Missed departure and travel delay 
  Reimbursement for extra costs and delays that are out of your control.
• Personal liability and legal expenses 
  For unexpected incidents or disputes while abroad.

Pre-Existing Medical Conditions

If you have a medical condition, Traveladder offers policies that include medical cover too. Through our straightforward online screening, you can declare any pre-existing conditions - high blood pressure, heart issues, diabetes or mental health conditions - and compare quotes that take your medical history into account.

Many of our providers specialise in medical travel insurance, so even if you’ve been turned down elsewhere, there may still be suitable options available for you.

Annual multi-trip travel insurance is ideal for travellers who like to stay spontaneous, or anyone who just wants to get their insurance sorted in one go. Just check that your trips stay within the maximum duration, and make sure your destination and activities are covered each time you go abroad.