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Annual multi-trip travel insurance

Take us with you on multiple trips throughout the year within your chosen region. From Europe to the US, Asia and Australia, travel smart with multi-trip cover.

Cover for multiple trips within a year

24/7 emergency medical assistance

Cover for cancellation, delays and lost baggage

*Base price. Offer is automatically applied. Ends on 30/09/25. T&Cs apply.
Rated "Excellent"

Trusted for 20+ years

What is annual multi-trip travel insurance?

If you’re planning to head on multiple trips throughout the year, annual multi-trip travel insurance is your go-to. It covers you for all your trips throughout the year from the day you book. This means you could return for a home pitstop in Ireland and jet off to Australia a few weeks later and still be covered. 

Plus, an annual policy usually works out cheaper than booking several single policies. With it, you can pair it with our Europe and our Worldwide travel insurance.

Without it, you’d need to arrange a new travel insurance policy for each trip, which can quickly add up, in both time and cost.

Do you need annual multi-trip travel insurance?

Yes, if you plan to travel to multiple places (or back to the same place multiple times) within a 12-month period. With it, you’ll be covered for every holiday, city break or business trip you take (up to a set number of days per trip). 

Essentially, if you’re a frequent traveller, whether it’s for work, leisure or a mix and don’t want the hassle of buying new cover for each trip, this policy is a smart choice. You’ll benefit from this cover if:

  • You take several city breaks or holidays each year
  • You travel for work or regularly visit friends or family abroad
  • You’re a couple or family planning a few getaways across different seasons
  • You want continuous cover between trips

Research shows the average Irish holidaymaker takes 2-3 international trips per year. So, an annual policy could be more cost-effective than buying multiple single-trip plans.

What does JustCover’s annual multi-trip travel insurance cover?

Our annual policies are as flexible as you need them to be. With optional add-ons and multiple cover levels, pay for the protection you actually need. Just be sure to double-check our policy wording to know what you are and aren’t covered for.

What's covered

Emergency medical treatment and repatriation - including costs of tests, medication and any procedures needed relating to your condition or injury.

Cancellation - You’ll be covered for trip cancellation or curtailment (cutting your trip short). This means delayed or cancelled flights or if an unexpected event forces you to cancel your trip before you go.

Curtailment - Cover if you need to cut your trip short because of an emergency.

Travel delays - If your flight, boat, train or transport is delayed, you’ll be covered for the time you lost.

Personal belongings - Cover for lost, stolen or damaged baggage.

Personal liability - Cover for any legal expenses if you accidentally injure someone or damage their property while travelling.

Activity cover - 100+ sports and leisure activities included as standard, with optional upgrades for winter or extreme sports.

What's not covered

Claims below the value of excess - You can only claim if the cost exceeds the excess stated in your policy.

Trips outside your region of cover - You’ll only be covered for travel within the regions listed in your policy.

Trips outside your region of cover - You’ll only be covered for travel within the regions listed in your policy.

Medical conditions you didn't declare - You won’t be covered for any pre-existing conditions that weren’t declared at the time of purchase.

Deciding not to travel - We won’t cover you if you decide not to go on your trip. You’re only covered for cancellation where the reason falls within the policy terms and conditions.

Annual multi-trip vs single travel insurance: which do you need?

Whether you're a one-holiday-a-year kind of traveller, or constantly chasing your next getaway, the right type of policy depends on how often you’re jetting off.

Annual multi-trip insurance is ideal if:

  • You’re planning two or more trips in a 12-month period
  • You want the convenience of arranging cover once for the year
  • You take spontaneous breaks, weekends away, or travel for work
  • You're looking to save money compared to buying multiple single policies

Single trip travel insurance is better suited if:

  • You’re taking just one holiday this year
  • You want cover tailored to a specific trip or activity
  • You’re travelling for a longer continuous period, like a gap year or a 6-month trip to Thailand 
  • You’re planning on doing some activities 

If you’re still unsure what policy will work best for you, please contact our team, and we’ll walk you through your options. 

What is the best time to buy annual multi-trip travel insurance?

The best time to buy annual multi-trip travel insurance is as soon as you book your first trip of the year. That way, you’re covered straight away for cancellations and other unexpected issues. 

With annual cover, your policy runs for 12 months from the start date you choose. You can select a future start date if you’re not travelling right away, but bear in mind that cancellation cover won’t apply until the policy begins.

You must buy the policy before your first trip starts. You can’t buy it mid-trip or once you’ve already left the country. 

So, the earlier you sort it, the better protected you’ll be throughout the year.

How much does annual multi-trip travel insurance cost?

The cost of annual multi-trip travel insurance depends on a few key factors. It's not one-size-fits-all. What you pay will be influenced by:

  • Your age - Premiums tend to increase with age.
  • Where you're going - Cover for Europe is generally cheaper than worldwide policies, especially if they include the USA, Canada, or the Caribbean.
  • Pre-existing medical conditions - Declaring any conditions can affect the cost, depending on severity and treatment history.
  • Activities - if you plan to take part in any winter or adventure activities, this can also affect the price.

It’s also worth noting that The Irish Times identified annual policies as a cost-effective option for families and frequent travellers. Plus, the Department for Foreign Affairs recommends that everyone have some kind of insurance before they travel.

Choose the right level of cover

We offer different levels of cover to make your Travel Insurance as cost-effective as possible.

Black

Cover Highlights
Medical and repatriation
Unlimited
Cancellation / Curtailment
10,000
Personal Belongings
3,000
Excess
0

Gold

Cover Highlights
Medical and repatriation
15,000,000
Cancellation / Curtailment
7,500
Personal Belongings
2,500
Excess
50

Silver

Cover Highlights
Medical and repatriation
10,000,000
Cancellation / Curtailment
5,000
Personal Belongings
2,000
Excess
60

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Why choose JustCover for your annual multi-trip travel insurance?

Planning more than one trip a year is exciting, and the last thing you want is to be bogged down with paperwork and wondering if you’re covered for X, Y and Z. JustCover’s annual multi-trip policies are designed for flexibility, value and simplicity. 

Here are a few reasons to take us with you:

  • Unlimited trips for 12 months. Travel as often as you like within the policy year (trip length limits apply).
  • Cover starts the moment you book. Protects your trips even before take-off, with cancellation cover from day one.
  • 100+ sports and leisure activities included. From golf to hiking, you’re covered for most active breaks.
  • We’re trusted by our customers. Rated 4.8/5 based on over 2,500 reviews.
  • Optional add-ons. Customise your cover with extras like cruise insurance, extreme sports, and gadget protection.
  • Medical cover for a wide range of conditions. We consider all pre-existing conditions, from asthma to long-standing heart conditions and diabetes.

Specialist travel insurance for multiple journeys

No two travellers are the same. If you’re planning multiple trips, our specialist policies make sure you’re properly covered, whatever your needs.

Seniors travel insurance. Tailored cover for older travellers heading on several holidays a year. Perfect for retirees or anyone looking to make the most of their freedom to travel.

Travel insurance with medical conditions. Heading on multiple trips? Get peace of mind knowing your health is covered, even when you’re travelling frequently.

Group travel insurance. Ideal for friends, teams, or organised groups taking trips together throughout the year. One policy covers the whole group. Easier admin. Great value.

Cruise travel insurance. A must-have for anyone who spends time at sea multiple times a year. Includes missed port cover, cabin confinement, and more.

Destinations covered in multi-trip travel insurance

Heading on a Eurotrip? Or visiting friends or family in Australia and need to make multiple trips? Your multi-trip insurance covers you wherever you go.

  • Europe. Ideal if your trips are mostly within the EU or nearby. Countries like France, Spain, and the UK are included.
  • Worldwide. Perfect for long-haul getaways, covering destinations like Australia, Canada, and beyond.

Annual multi-trip travel insurance for pre-existing medical conditions

The last thing you want to think about while hopping around on holiday is falling ill. Whether it’s with a cold or a pre-existing condition flaring up. Medical costs abroad can be expensive, but with multi-trip cover, you’ll be covered for a wide range of conditions.

This includes:

  • High blood pressure
  • Diabetes (types 1 and 2)
  • Asthma
  • Epilepsy
  • High cholesterol
  • Arthritis
  • Heart conditions
  • Cancer (in remission or ongoing)
  • Respiratory conditions (like COPD)
  • Circulatory conditions (like stroke)

All you need to do is declare your conditions when getting a quote.

Being covered is as easy as 1, 2, 3

1

Get your quote in seconds

You will only need to tell us some information about yourself and your holiday plans

Select and tailor your cover

Now all you need to do is to choose the level of cover that best suits your needs

2
3

Buy your cover and relax

Purchase your cover and you’re ready to go – we’ll take care of the rest!

What our customers say

The team provided exceptional...

“I spent ages looking for quotes for travel insurance but the girl with Multi trip made it so easy to decide and choose them. She understood what I was looking for, and quoted me my options and the price was the best I had been offered but for good coverage. Very impressed with the service.”

see full review
Marie. June 2025. JustCover customer.

Frequently asked questions about annual multi-trip travel insurance

Can you get annual multi-trip travel insurance for longer holidays?

Annual multi-trip insurance is designed for multiple shorter trips throughout the year, not one extended holiday. Our policies have a maximum trip length of 45 or 55 days per trip, depending on the level of cover you choose. If you’re planning a single long holiday, a single-trip policy would likely make more sense.

What should you do if you experience changes to your health after taking out an annual multi-trip policy?

If your health changes after you’ve bought your annual multi-trip policy, you must let us know as soon as possible. Whether it’s a new diagnosis, a change in medication, or a hospital referral, declaring any new medical information is essential. 

We will reassess your cover and advise if any changes to your premium or exclusions apply. Failing to disclose new medical information could result in claims being rejected. This is why it’s important to declare all pre-existing conditions during the quote process.

Will your annual multi-trip insurance cover you for activities and winter sports?

Our annual multi-trip policies include cover for over a variety of activities like hiking, cycling, or snorkelling. If you plan to ski, snowboard, or take part in more adventurous sports, you’ll likely need to add winter sports or extreme sports cover. 

These are optional add-ons, so make sure to select them when purchasing your policy

When does your annual multi-trip travel insurance cover begin and end?

Cover begins on the start date you select when buying your policy and lasts for 12 months. That means you're protected for every trip you take within that year, so long as each trip falls within the allowed duration. Cancellation cover starts from your policy's effective date, so you're protected even before you leave. It ends on the final day of your policy year, unless you renew.

What if your trip exceeds the maximum trip length for your annual multi-trip holiday insurance?

If your holiday lasts longer than your policy’s maximum trip length (45 or 55 days), you won’t be covered for the extra days. This could affect your medical cover, baggage protection, and cancellation rights. If you're planning a longer trip, consider buying a single trip policy for that specific journey instead.

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Affordable travel insurance for all your needs

1. JustCover Annual Survey. March 2024. 528 responses.
†. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.

* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.