What is Annual Multi-Trip Travel Insurance?
If you’re lucky enough to travel more than once a year, you may want to consider our Annual Multi-Trip Travel Insurance. This policy is designed to be more cost-effective and convenient for travellers who have more than one trip planned within the year. This cover will allow you to take an unlimited number of trips, as long as your Outward and Return journey start and end on the date shown on the schedule of cover.
Our Annual Multi-Trip Travel Insurance will allow you to travel around the world with the peace of mind that you’re covered under one policy. Depending on your policy, each trip can last between 31 and 45 days (with the exception of Winter Sports policies which are limited to 17 days per policy year).
When you come to purchase your Annual Multi-trip policy you can choose the region you’ll be travelling to rather than the individual countries. Here are the options available for Annual Multi-trip policies:
1. Worldwide (all countries worldwide*, except Antarctica where only cruises are covered)
2. Worldwide* excluding USA
3. Worldwide* excluding Asia and the USA, Canada, Mexico, Central & South America and Antarctica
Key Benefits of Travel Insurance
- All medical conditions considered
- 24-hour medical emergency helpline
- Up to unlimited medical emergency expenses cover
- Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
- No age limit on AllClear Gold and Gold Plus policies
- Cancellation cover up to unlimited costs
- Personal belongings cover of up to $7,000
We’re pleased to state all these figures are per person and per trip.
Our Easy 3-Step Quote Process
What Pre-Existing Medical Conditions Does the Annual Travel Insurance Cover?
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.
How far in advance can you buy annual multi-trip travel insurance?
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.
When does an Annual Multi-trip policy start?
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.
What are the benefits of choosing an Annual Multi-trip policy?
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.
How often can you travel with a year-long policy?
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.
Where can you travel to with AllClear’s Annual Multi-trip policy?
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)
Is it best to buy a Single or an Annual Multi-trip policy?
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.
What if you purchase an annual multi-trip policy then your medical conditions change?
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.
What is the age limit for an Annual Multi-trip policy?
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.