Travel as much as you like each year with our Annual Multi-Trip Travel Insurance

If you are planning to travel a few times over the next year, then annual travel insurance might be the best option to ensure that you are covered for all of your trips.

You can go on holiday as many times as you like, as long as each journey begins and ends in the UK and is within your selected trip limit. The available trip limits that you can choose for your annual insurance policy are - 31, 45 or 60 days.

We do our best to provide you with cover that offers you great value for money, and the protection that you might need if the unexpected were to happen. This includes medical emergencies, lost, stolen or damaged luggage, and flight cancellations.

We also know that a family holiday can be expensive and we’d like to do our bit to help by offering free cover for children under 2 years old when you take out our Annual Multi Trip Travel Insurance policy.

Where Can I Travel With an Annual Policy?

If you’re venturing abroad more than once this year, then getting annual travel insurance might be perfect for you. Perhaps you’re heading to Europe to enjoy a city break in Rome or Paris, or planning to enjoy a cocktail or two on a beach in Spain. You may even be taking a week out to enjoy the fine British seaside - when you purchase an annual policy from us, you can explore as much as you like, safe in the knowledge that we’ll be there for you if you need us.

You have three destination options to choose from when getting your policy, and this affects which areas you can travel to with your cover. Europe covers travel to countries within Europe but won’t be valid if you travel further, while Worldwide means that you can travel anywhere in the world, as long as the Foreign and Commonwealth Office (FCO) hasn’t advised against travelling there. You also have the option of choosing Worldwide, but excluding USA, Canada, Mexico and the Caribbean.

Which Destinations to choose

  Europe  Worldwide Worldwide with exclusion
Multi Trip Policy                       Include Europe plus trips to  Egypt, Tunisia, Morocco Anywhere in the World plus trips to Israel and Russia Anywhere in the World excluding USA, Canada, Mexico and the Caribbean

young woman taking photo of skyscrapers travelling with annual travel insurance

What does our annual travel insurance include?

The plus side to our multi-trip policy is that it offers exactly that. If you’re planning on taking more than one trip within the year to the same, or multiple destinations, you could save yourself some money by purchasing an annual travel insurance policy.

By getting annual cover, you can ensure that you have protection for medical emergencies and flight cancellation, as well as if your luggage is lost, stolen or damaged. You’re also covered for missed connections, travel delays and legal expenses.

Our yearly insurance packages also come with a number of benefits:

  • Kids under the age of 2 get free travel cover when you purchase your annual holiday insurance with us.
  • Families can travel independently if you purchase a family policy. This includes children if they’re aged 18-22 and are in full-time education.
  • Annual travel insurance is available up to and including 74-year-old. Single trip cover is available up to the age of 85.
  • You can add cover for pre-existing medical conditions online, although in some instances medical screening may be required.
  • There are many different travel insurance policies to suit your specific requirements. Get extra cover for certain sports and activities, and if you’re travelling for business you can add on additional protection for your equipment.
  • If one of your holidays involves snow, you can also add Winter Sports and Ski cover to your travel policy.
  • You'll automatically be covered for 150 sports and activities at no extra cost.
  • You can select European or Worldwide coverage depending on your plans.
    Our annual multi-trip policies protect you whether you’re travelling to Europe or Worldwide (including or excluding the USA).
  • Cover for UK holidays is included. If you’ve pre-booked accommodation in the UK for 2 nights or more, then your staycation is included too.

When should I start my Annual Multi-Trip policy?

Have you already paid for your next trip? With annual multi-trip insurance, your cover begins on your policy start date. So, if you’ve paid for your flights, accommodation or excursions, we recommend starting your policy right away – to make sure that you have cancellation cover in place should you need to cancel your trip (for example, if you fall ill).

How many times can I go away on a multi-trip travel insurance policy?

Within the year that your travel policy covers, you can travel as many times as you want and still be insured. This means that with annual travel insurance you can enjoy frequent holidays without the need of having to get a new policy each time.

This is as long as your journeys are within the regions that you included in your policy, and any single trip isn’t longer than the limit that you set when you get the policy. You have the option of setting a trip limit of 31, 45 or 60 days, depending on whether you plan to be away longer during for holidays.

Does annual cover include travel within the UK?

Think of all the times you take trips within the UK – business trips, hen dos, the odd stay-cation. It soon adds up – and most of us travel without a second thought to getting travel insurance to cover us. That’s where an annual policy with Columbus can help. Cover for UK trips is included with all our annual multi trip policies, provided you plan to stay at least two nights in pre-booked accommodation. This means that if you have to cancel going to that family wedding because of a stomach bug, you won’t lose out on your non-refundable B&B.

Will I need extra cover for sports and activities on holiday?

All Columbus Direct travel insurance policies have 150 sports and activities covered for free, including archery, snorkelling and zip-lining

If you have activities planned for your trips that aren’t included in the list, there is additional cover that you can add. The adventure pack includes more sports, such as kite surfing, deep sea fishing and camel trekking.

If you are looking to go skiing or snowboarding during the year, you can get our Winter Sports add-on. If you include the package in your policy then you will have protection for accidents that could occur while you are on the slopes, as well as potential helicopter rescues. It also gives you protection for your equipment if it gets damaged, stolen or lost, as well as protection for piste closures and avalanche delays that prevent you from getting out onto the snow.

What are my other travel insurance options?

If you are planning to travel for more than 60 consecutive days you can get backpacker insurance, which provides cover for travellers looking to enjoy an extended stay abroad. It includes cover for emergency care and lost baggage, as well as working abroad* if you plan to earn some extra money while you are away, as long as you are not using machinery.

If you are planning to go on just one trip over the next year, then you might save more money by getting a single trip travel insurance policy. It is a similar process to applying for an annual multi-trip policy, but you will need to choose a time frame for when you want the cover to be valid.

Travel with peace of mind

You might have planned several trips for the next year with lots of adventure ahead of you, but you might then forget to arrange insurance in time for your journeys abroad. If you need something that will be in place all year round, then this policy will work for you. Then if travel insurance does fall to the back of your mind, we’ll remind you when your cover is due for renewal too. Irrespective of when you choose to travel, you’ll be covered. Leave the detail to us.

*No cover under the Personal Liability section.

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Terms and Conditions:

* Cancellation cover is available with Silver and Gold Policy only

** All cover limits shown are up to the maximum benefit level (Gold Cover), and are per insured person

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Why Columbus Direct?

  • FREE airport lounge access if your flight is delayed for more than 1 hour
  • FREE 5 days unlimited global Wi-Fi access. Including access to global SOS travel alerts
  • FREE health information and GP access 24/7 with Babylon
  • Over 150 sports and activities covered free
  • Award-winning products and services
  • Over 15 million customers since 1988
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