If you travel several times a year, it would be worth investigating annual travel insurance policies. Multi trip travel insurance policies will cover you for a 12 month period for a set price which allows multiple trips of up to 45 days individual duration (maximum 23 days for ages 70-74 years). If you plan to take a longer trip, these policies are not suitable, you will require our Long Stay Single Trip policy for journeys of over 45 days.
You can buy Annual Multi Trip policies as an individual, or for a couple or family. Significantly discounted annual prices are available to couples and families. The levels of cover ensure peace of mind and protection for you and your family.
These policies cover a good range of sports and activities and gives the opportunity to upgrade to include cover for the more extreme activities, such as skydiving, high altitude trekking and sports such as rugby and polo. Requests for cover for some of these activities will need to be referred to our underwriters for consideration and may incur additional cost and conditions.
Gold Annual policies will cover up to 21 days wintersports free of charge (14 days on Silver), in the 12 month period of cover. Maximum age of 74 applies to these policies.
Cost table Summary of cover Geographical limits Hints & tips Medical Conditions Sports & Adventure
Annual Multi-trip travel insurance – SILVER policy
For trips not exceeding 45 days (22 days for ages 70-74 years).
|Europe only||Ages up to 64 years||Worldwide||Ages up to 64 years|
|Ages 65-69 years x 2. Ages 70-74 years x 3.5. Maximum duration for ages 70-74 years is 23 days|
Annual Multi-trip travel insurance – GOLD policy
For trips not exceeding 45 days (23 days for ages 70-74 years).
|Europe only||Ages up to 64 years||Ages 65-69 years||Worldwide||Ages up to 64 years||Ages 65-69 years|
|Ages 65-69 years x 2. Ages 70-74 years x 3.5. Maximum duration for ages 70-74 years is 23 days|
Wintersports cover included (up to 14 days on SILVER policy, up to 21 days GOLD policy)
Policies also have ACTION level (plus 50% on Gold policy or 75% on Silver) or ACTION PLUS level (plus 100% on Gold policy or 150% on Silver) for Extreme Sports (see – link to sports table)
Both Silver and Gold policy can be upgraded to include cover for a wide range of hazardous sports.
Please see “Summary of cover” for details of cover provided.
- “Couple” is deemed to include non-married couples who have been together at the same address for at least 6 months.
- “Family” means up to 2 adults and all their dependent children under 18 years or under 21 years if still in full-time education. Family members can travel separately.
- Wintersports: Cover is provided for a maximum of 21 days for Gold and 14 days for Silver policies
Annual Multi-Trip policies should be commenced on the day of purchase, if cancellation cover is required for a pre-booked trip. If cover is not started until the first booked departure that trip is NOT covered against cancellation. This condition applies only to Annual Multi-Trip policies.
Rates include Insurance Premium Tax at 20%.
Summary of cover
|Description of cover||Silver – per adult||Gold – per adult||Excess Silver/Gold|
|Cancellation & curtailment||£2,000||£5,000||£75/£50|
|Single item limit||£150||£250||£75/£50|
|Personal money & documents||£200
(only £100 cash covered)
(only £250 cash covered)
|Loss of passport||£100||£500||nil|
|Hospital benefit (per day)||£300 (£10)||£1,000 (£20)||nil|
We cannot cover you to travel to any country against UK Foreign Office advice. A list of such countries appears on the Foreign Office website and is updated frequently. Please refer to this site for the current situation.
Annual Multi Trip policies can be purchased in two geographical variations, either for travel wholly within the European/ Mediterranean area as defined or for Worldwide travel.
Please note that Morocco, Egypt, Tunisia and Turkey are covered under the European policy.
The Canary Islands and Madeira are also covered by the European policy. If any of your trips are outside of this region, you will need a Worldwide policy.
Hints & tips
Silver has lower rates and cover, but covers the same sports and activities as Gold. 45 day maximum trip duration. These policies have good cover for sports, though sometimes at a supplement.
Annual Multi Trip policies are inactive until the start date that is put on them. If you require cancellation cover for a pre-booked trip, start the policy immediately. Single trip policies give cancellation cover from the date the policy is issued until the departure date, but Annual Multi Trip policies only give cancellation cover from the start date, so should not be post dated.
Annual Multi Trip policies do not cover one way journeys.
There is an excess waiver option on Annual Multi Trip policies.
Any pre-existing medical condition needs to be declared if you want to be covered for claims arising from it. You will often need to go through the medical screening process to get specific confirmation that your condition can be covered.
For Silver & Gold policies call 0845 003 5244
1 – Within the last 12 months, have any of you suffered from, been investigated for, diagnosed with, received treatment or taken any medication for;
a. any cancer or malignant condition.
b. any lung related condition (other than stable, well controlled asthma that requires not more than 2 medications, including inhalers).
c. any heart related condition (including angina)?
NB – You must contact Healthcheck if you take regular medication for any of these conditions.
2 – Do any of you suffer from any other medical condition that has required referral to or consultation with a specialist clinic or hospital for treatment, tests or investigation within the 12 months prior to the date this insurance was arranged or the date that you subsequently made arrangements for a trip?
NB – Continuing regular medication that is taken at home for a stable, well controlled condition does not amount to ‘treatment; in this context and so does not need to be screened. If you have stable conditions that require no more than two routine check-ups/reviews per year each then you do not need to be screened.
3 – Has your doctor increased your regular prescribed medication in the last three months?
If you have answered NO to all 3 questions – Your medical conditions (if any) will be covered
If your answer to ANY of these 3 questions is YES – There is no cover for claims related directly or indirectly to these conditions unless declared to us and confirmed in writing.
However, cover may be available by contacting Healthcheck on 0845 003 5244
Please note that there will be an additional premium charged if you use this service, the amount of which varies and is determined by the details declared. Any special terms that are necessary will be explained to you and confirmed in writing. They will quote you a medical reference number, which will be asked for when buying cover.
4 – Are you planning to take part in any hazardous activities (see general exclusions on page 7) or are you aware of any other circumstances that could reasonably be expected to give rise to a claim, such as the state of health of a close relative whose health may cause you to cancel or curtail your trip? If so, please contact Voyager Insurance Services on 01483 562662.
Sports & Adventure
Our policies cover a wide range of hazardous sports and activities, many of them at the basic price. However some require a supplement to be paid.
Motorcycle touring for up to 14 days per trip is covered on both GOLD and SILVER policies, with no restrictions on the cc of the bike, as long as a full UK license is held and crash helmets worn. Cover for longer durations is subject to referral to our underwriters. Personal Liability cover is excluded for claims arising from driving or riding motor vehicles or riding animals.
|Abseiling (with professional organisers)||Y||Y||Y|
|Ballooning – Hot Air||Y||Y||Y|
|Black Water Rafting Grades 1-4||Y||Y||Y|
|Black Water Rafting Grades 5-6||Y||Y|
|Boating inside 12 mile limit||Y||Y||Y|
|Bouldering up to 7m with crash pad||Y|
|Bungee Jumping (UP TO 3 JUMPS)||Y||Y||Y|
|Bungee Jumping (More than 3 jumps)||Y||Y|
|Canoeing (River – Up to Grade 3)||Y||Y||Y|
|Canoeing (Grade 4 & 5)||Y||Y|
|Canyoning (with professional organisers)||Y|
|Catamaran Sailing Within 12 mile limit||Y||Y||Y|
|Catamaran Sailing Outside 12 mile limit||Y|
|Clay Pigeon Shooting||Y||Y||Y|
|Cycling (on road, event training)||Y||Y|
|Cycling (on road, competition)||Y|
|Deep Sea Fishing (Inside 12 mile limit)||Y||Y||Y|
|Dinghy Sailing (Inside 12 mile limit)||Y||Y||Y|
|Diving (High Diving)||Y|
|Diving (Scuba)(Up to 30m depth)||Y||Y||Y|
|Diving (Scuba) (Up to 40m depth)||Y||Y|
|Dry Slope Skiing||Y||Y||Y|
|Flying (in light aircraft) as passenger||Y||Y||Y|
|Flying light aircraft (piloting as PPL holder)||Y||Y|
|Flying light aircraft (piloting under instruction)||Y|
|Football / Soccer recreation or incidental||Y||Y||Y|
|Football / Soccer Amateur Competition/Tour||Y||Y|
|Gliding as passenger||Y||Y||Y|
|Gliding as pilot with license||Y||Y|
|Gliding as pilot under instruction||Y|
|Go-Karting below 250cc||Y||Y||Y|
|Hiking/Trekking (up to 4000m)||Y||Y||Y|
|Hiking/Trekking (up to 4000-6000m)||On Request|
|Horse Riding (NOT competitive/racing/jumping/hunting)||Y||Y||Y|
|Horse Riding (Including jumping but NOT racing/hunting)||Y|
|Hot Air Ballooning as passenger||Y||Y||Y|
|Ice Hockey (W/S premium must be paid)||Y|
|Ice Skating on Rink||Y||Y||Y|
|Kayaking (up to grade 3 rivers or sea)||Y||Y||Y|
|Kayaking (Grades 4 & 5 rivers or sea)||Y||Y|
|Kick Boxing training||Y|
|Kite Surfing over land||Y||Y|
|Kite Surfing over water||Y||Y||Y|
|Martial Arts training (not Mixed Martial Arts)||Y|
|Motor Cycling On Road Full Licence up to 14 days per trip non-competitive||Y||Y||Y|
|Motor Cycling On Road Full Licence for over 14 days per trip non-competitive||On Request||On Request||On Request|
|Motorcycling Off-Road Full Licence (excluding competitive/stunts/jumping)||On Request|
|Mountain Biking (recreational)||Y||Y||Y|
|Mountain Biking (amateur competitions)||On Request|
|Paintballing (wearing eye protection / no liability cover)||Y||Y||Y|
|Parachute Jumping/Skydiving Tandem/Static Line (max 3 jumps)||On Request|
|Parascending (supervised, over water)||Y||Y||Y|
|Rifle Range Shooting||Y||Y||Y|
|Rugby League Amateur||Y|
|Rugby Union Amateur||Y|
|Safari (organised by bona fide tour operator)||Y||Y||Y|
|Sailing / Yachting Inside 12 mile limit (no liability cover)||Y||Y||Y|
|Sailing / Yachting Outside 12 mile limit (no liability cover)||Y|
|Scuba Diving (up to 30m depth if qualified or with instructor)||Y||Y||Y|
|Scuba Diving (30m – 40m depth if qualified or with instructor)||Y||Y|
|Shark Cage Diving (organised by reputable operator and agreed in advance)||On Request|
|Skate Boarding recreational||Y||Y||Y|
|Skate Boarding Demo or Competitive||Y||Y|
|Sky Diving Tandem Static Line (max 3 jumps)||On Request|
|Sky Diving Solo (max 3 jumps)||On Request|
|Tai Chi (non contact)||Y||Y||Y|
|Trekking (up to 4,000m)||Y||Y||Y|
|Trekking (up to 4,000-6,000m)||On Request|
|Walking, Hiking, Trekking to 4,000m||Y||Y||Y|
|Walking, Hiking, Trekking (4,000-6,000m)||On Request|
|White Water Canoeing / Rafting (up to Grade 3 rivers only)||Y||Y||Y|
|White Water Canoeing / Rafting (Grade 4 or More)||Y||Y|
WINTERSPORTS (additional cost on Single Trip Long and Short Stay Policies):
|Big Foot Skiing||Y||Y||Y|
|Cross Country Skiing||Y||Y||Y|
|Glacier Walking 2000-4000m||Y||Y|
|Glacier Walking 4000m-6000m (Wintersports premium must be paid)||On Request|
|Heli Skiing with Guide||Y|
|Off Piste Skiing||Y||Y||Y|
|Skiing not racing||Y||Y||Y|
All Activities designated as “Winter Sport” subject to appropriate loading for Single Trip cover.