Annual Multi-Trip Travel insurance

What is Annual Multi-Trip Travel insurance?

If you're planning on making more than a few trips away this year or you're a frequent traveller, multi-trip insurance could be the best option for you. Annual travel insurance removes the hassle of having to take out a policy every time you travel, so you're automatically covered for any last minute getaways, abroad or within the UK. We also cover your UK travel, if you have 2 consecutive nights accommodation pre-booked - this includes pre-booked tents and caravan pitches.

Hiring a car for a business trip or a family holiday? Buy Car Hire Excess Insurance before you travel and avoid the last minute expensive charges at the rental desk. Find out more about our Car Hire Excess insurance.

What are the key benefits of the policy?

  • Saves time purchasing a new policy if you plan on making several trips abroad this year
  • Legal referral and emergency message communication to family and business colleagues if needed
  • 24 hour emergency medical helpline

What are the key benefits of the policy?

  • Three levels of cover to choose from
  • Change in health section
  • A choice of optional extras: cruise, golf, business travel or winter sports cover

Zurich will cover each trip up to 45 days (62 days for an Extra policy)

There are no restrictions to the number of trips you can make during the term of the policy, however the maximum number of days covered within any one period of insurance is 183 days.

Maximum number of days per trip Basic Standard Extra
Single trip* 90 90 90
Annual multi-trip* 45 45 62
Winter sport optional cover Not available 22 31

*Under the age of 70 years old. 

Please note: We are unable to cover travel to an area the Foreign and Commonwealth Office or the World Health Organisation have advised against. 

What does Annual Multi-Trip Travel insurance cover?

If you've lost your baggage, had your flights delayed or even cancelled, Zurich Annual Multi-Trip has got you covered.

Annual Multi-Trip cover includes:


Standard Extra

Cancellation and cutting short a trip

£1,000 £5,000 £7,500
Cancelled excursions £50 £100 £250
Baggage section limit £1,000 £1,500 £2,500
Valuables limit
£200 £300 £500
Single article limit £150 £250 £350

Change in health benefit

£1,000 £5,000 £7,500

Change in health benefit

If the state of your health changes during the period of insurance, which results in Zurich not being able to continue to cover your medical conditions based on our underwriting criteria, we will pay up to the limits specified in your statement of insurance towards the cost of you purchasing an alternative insurance policy. Please see the 'Change in Health' section of the policy wording.

If you have purchased Standard or Extra cover, you can add optional extras to your plan such as winter sports, business travel, golf and cruise cover even after you have purchased a policy with us.