Your Annual Multi-Trip Insurance policy will cover for all your medical conditions that you’ve declared to us. You can declare your medical conditions through our medical screening process, which is a set of questions for us to understand how your medical conditions affect you.
It’s important that you declare all your pre-existing conditions on your Annual Multi-trip travel insurance policy.

For Annual Multi-trip cover, you can get a quote up to 90 days in advance of purchase. This does not have to be the departure date of your trip, but the date you wish for cover to begin. Please note that the start date must be on or before you leave for your trip.

Annual Multi-trip policies cover you for 12 months from your chosen start date. You can purchase Annual Multi-trip policies up to 90 days in advance of your policy start date. Any claims you make before your chosen start date will not be covered; for example, a claim for cancellation.

There are many benefits of choosing annual medical travel insurance. If you’re travelling to the same region, you will generally pay lower premiums for an annual policy compared to buying multiple single trip policies. Generally, an Annual Multi-trip policy starts to become more cost-effective when you are travelling three or more times in a 12-month period. However, there can be instances where an annual policy is more cost-effective even for 2 trips a year. For example, if you are travelling for 45 days each time for two trips, an Annual Multi-trip policy could still be cheaper.

For any Annual Multi-trip policy, you can take any number of trips during the year. Rather than needing to tell us exactly where you’ll be, you only need to select your preferred region of cover. However, there are restrictions on the length of time you can be away for any one trip. For travellers up to the age of 70 years, the maximum trip duration of any one trip is 45 days on Gold and Gold Plus policies. For those aged 70 years and over, the maximum trip duration of any one trip is 31 days on Gold and Gold Plus policies. If you have chosen an Annual Multi-trip Insurance, the Outward and Return Journey must take place during the start and end date down on the schedule of cover. Winter Sports are limited to 17 days per policy year, provided that the appropriate additional premium has been paid.

You have three regions to choose from:
1. Worldwide* excluding Asia, USA, Canada, Mexico, Central & South America and Antarctica.
2. Worldwide* excluding America.
3. Worldwide*- all countries worldwide (except Antarctica where only cruises are covered)

Whether buying a Single or Annual Multi-trip policy is best for you, it depends on how often you intend to travel during the next 12 months. If you’re going on holiday multiple times throughout the year, an annual policy could work out better value for you.

With an Annual Multi-trip policy you can travel as many times as you like throughout the period of your insurance. There are, however, limits on the number of days you can be away for any one trip; for travellers up to the age of 70 years, the maximum trip duration of any one trip is 45 days; for those aged 70 years and over, the maximum trip duration of any one trip is 31 days; winter sports are limited to 17 days per policy year, provided that the appropriate additional premium has been paid.

If you’ve purchased an Annual Multi-trip policy and you need to amend something to do with your declared medical conditions then simply get in touch at the earliest possible opportunity and we will update your details.
It’s important to let us know any changes before you travel to ensure your policy is the most up to date and you’re still covered.

AllClear has no upper age limits on its Gold and Gold Plus policies. The AllClear Traveller policy has a maximum age limit for Annual Multi-trip policies of 66 years.