Annual Multi-Trip
Cover for the whole year of travel.
Annual Multi-Trip travel insurance covers multiple trips throughout the year and is available up to age 79.
- Maximum age 79
- Trips up to 45 days each
- Silver, Gold & Platinum cover
Annual Multi-Trip travel insurance
One policy covering the trips you take over twelve months, rather than buying cover each time you travel. If you go away more than once a year, an annual policy can be simpler and better value.
Choose European or Worldwide cover, and the level of cover that suits you. Each trip can last up to 45 days.
Why choose Holiday Angel for the year ahead
- Cover for multiple trips over twelve months, up to age 79
- Each trip can last up to 45 days
- UK, European and Worldwide cover
- A wide range of pre-existing medical conditions considered
- Up to £10 million emergency medical cover, with 24-hour emergency assistance abroad
- Adults on the policy can travel independently
- Optional cruise, winter sports, golf and gadget cover
You must not already be travelling when your annual cover starts.
Cover & benefits
Compare the levels of cover
| Benefit | Silver | Gold | Platinum |
|---|---|---|---|
| Cancellation | £3,000 | £6,000 | £9,000 |
| Cutting your trip short | £3,000 | £6,000 | £9,000 |
| Missed departure | £500 | £750 | £1,000 |
| Trip delayPer 12 hours delayed, up to the total shown | £25 / £150 | £40 / £200 | £50 / £400 |
| Trip abandonment | £3,000 | £6,000 | £9,000 |
| Emergency medical expenses | £10 million | £10 million | £10 million |
| Inner limit: Emergency dental treatment (pain relief) | £250 | £300 | £500 |
| Inner limit: Daily hospital benefitPer day, up to the total shown | £25 / £250 | £50 / £500 | £100 / £1,000 |
| Personal accident (age 18 to 75)Accidental death or permanent total disability | £10,000 | £25,000 | £50,000 |
| Delayed baggagePer 12 hours, up to the total shown | £25 / £100 | £50 / £300 | £75 / £750 |
| Baggage and personal propertyLost, stolen or damaged. Single item limit £500 / £750 / £1,000 | £2,000 | £4,000 | £6,000 |
| Inner limit: ValuablesOverall limit, within the baggage limit | £1,000 | £1,500 | £2,000 |
| Inner limit: Stolen money (adult)Per adult, up to the total shown | £100 / £200 | £200 / £400 | £250 / £400 |
| Inner limit: Passport and travel documents | £200 | £300 | £400 |
| Legal expensesPer person | £10,000 | £15,000 | £20,000 |
| Personal liability | £1 million | £2 million | £2 million |
| Uninhabitable accommodation | £250 | £500 | £750 |
| Kennel and cattery fees | £250 | £500 | £1,000 |
| Policy excess | £60 | £30 | £0 |
- Cancellation
- £6,000
- Cutting your trip short
- £6,000
- Missed departure
- £750
- Trip delayPer 12 hours delayed, up to the total shown
- £40 / £200
- Trip abandonment
- £6,000
- Emergency medical expenses
- £10 million
- Inner limit: Emergency dental treatment (pain relief)
- £300
- Inner limit: Daily hospital benefitPer day, up to the total shown
- £50 / £500
- Personal accident (age 18 to 75)Accidental death or permanent total disability
- £25,000
- Delayed baggagePer 12 hours, up to the total shown
- £50 / £300
- Baggage and personal propertyLost, stolen or damaged. Single item limit £500 / £750 / £1,000
- £4,000
- Inner limit: ValuablesOverall limit, within the baggage limit
- £1,500
- Inner limit: Stolen money (adult)Per adult, up to the total shown
- £200 / £400
- Inner limit: Passport and travel documents
- £300
- Legal expensesPer person
- £15,000
- Personal liability
- £2 million
- Uninhabitable accommodation
- £500
- Kennel and cattery fees
- £500
- Policy excess
- £30
Showing Gold cover. Tap Silver, Gold or Platinum to compare.
Pre-existing medical conditions
Cover can be considered for a wide range of pre-existing medical conditions, subject to declaration and acceptance.
Policy documents
Policy documents
Policy Wording
Ref. 092026
The full terms and conditions of your Holiday Angel travel insurance, including what is and is not covered.
Download PDFInsurance Product Information Document (IPID)
Dated 07/10/2026
A short summary of the cover, the main limits and the significant exclusions that apply.
Download PDFGet an Annual Multi-Trip quote
Or talk to our team first.