Voyager Plus Annual Multi-Trip Travel Insurance

An annual multi-trip policy may cost more upfront than a single-trip policy, but it can save you money if you travel multiple times a year. Instead of buying separate policies for each trip, you pay once for 12 months of travel insurance cover, which is often the more cost-effective option.

You’ll also save time—there’s no need to arrange travel insurance for every trip. With an annual policy, you’re covered for multiple destinations throughout the year, making it a hassle-free choice for frequent travellers.

With an annual policy, you’ll get travel insurance for a year, or 12-month period and you can travel as often as you like. There’s no limit on the number of trips, as long as each one stays within the policy’s duration limits.

Our annual multi-trip policy covers trips of up to 45 days as standard. For an additional cost, you can extend this to 62 days per trip. However, if you’re aged 70-74, the maximum trip duration is 31 days.

Please note: Annual multi-trip policies are not available to those aged 75 and over.

No, an annual multi-trip policy isn’t suitable if any single trip exceeds 62 days. If you’re planning an extended trip—such as travelling for a year—you’ll need one year travel insurance instead. At Voyager, we also offer one year travel insurance, known as long-stay travel insurance, which covers trips from 2 to 24 months. Click here to learn more about our long stay travel insurance.

While both annual multi-trip and long-stay policies provide 12 months of cover, they work differently. An annual multi-trip policy covers unlimited trips within a year, but each trip has a maximum duration limit. In contrast, long-stay travel insurance is designed for one continuous trip lasting several months or up to two years.

Yes, our Voyager Plus annual multi-trip travel insurance includes cover for holidays within the UK. For UK holidays, they must be at least 2 nights long, and you must use pre-booked, prepaid accommodation or transport.

We group destinations into four Areas, making it easier to cover multiple countries at once rather than selecting each one individually. The Area you choose depends on where you plan to travel.

Europe-Only Coverage

If you're travelling only within Europe, select Area 2:

• Area 1: The United Kingdom, including Northern Ireland
• Area 2: Includes Area 1, plus the Isle of Man, the Channel Islands, Western Europe, any country with a Mediterranean coastline (except Algeria, Libya, Syria, and Israel), the Canary Islands, Madeira, and Iceland

Worldwide Coverage

If you're travelling beyond Europe, you’ll need worldwide cover. There are two options:

• Area 3: Includes all countries in Areas 1 & 2, plus worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda)
• Area 4: Includes all countries in Areas 1, 2 & 3, plus North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda

The cost of your annual multi-trip insurance depends on several factors, including the level of cover, your age, and the destinations you plan to visit.

For example, annual worldwide travel insurance typically costs more than annual European travel insurance, as it covers a wider range of destinations, including those with higher medical expenses and longer travel distances.

Adding optional extras will also affect the price. For instance, choosing annual travel insurance including cruise cover will cost more, as it provides additional cover for cruise-related risks, such as missed port departures or cabin confinement due to illness.