What is Travel Insurance (annual)?Travel insurance (also known as multi-trip travel insurance) is an insurance policy that provides cover for those who travel more regularly, usually two or more holidays or business trips in 12 months.
- Pay once for 12 months cover
- Travel insurance for an unlimited amount of holidays (although each individual trip length will have a limit)
- Savings increase the more you travel
- Personal accident benefits - cover is provided for capital sums following death, loss of limbs or sight, or permanent disability caused by an accident whilst on holiday.
Baggage, personal effects and money - the cover is provided for loss of or damage to personal baggage including clothing and personal effects, taken with the insured person, or purchased during the trip, or sent in advance.
Personal liability - this section covers the insured's legal liability for injury to third parties or damage to third party property while on holiday, including the legal costs of both the insured and the claimant
Medical and associated expenses
This section includes cover for expenses reasonably incurred in respect of emergency medical treatment including surgical fees, hospital charges and emergency dental fees.
Cancellation or curtailment
Cancellation cover provides for the reimbursement of deposits and payments made for transport and accommodation booked, but not used by the insured person.
The main exclusions which apply to the travel policy include:
- Taking part in hazardous activities
- Participation in manual work
- Travel against medical advice or to get treatment
- Travel to a country or area which the Foreign and Commonwealth Office or World Health Organisation has advised the public not to travel to
- Pregnancy or childbirth
- Self-inflicted injury, solvent abuse, alcohol and the use of drugs
- Loss of:
- Luggage caused by confiscation
- Baggage, personal effects and money when left unattended or where the loss is not reported to the police within 24 hours
- Contact lenses, medical and dental fittings
- Camping equipment