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Travel insurance reviews - annual multi-trip

Last updated: 30 May 2018

If you take more than one overseas trip in a year, you might benefit from year-long multi-trip travel insurance. We've independently reviewed 70 insurance policies to help you find the best one. 

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How we score:

  • Policy benefits – Our policy score forms 80% of the overall score and measures the level of cover for medical, cancellation, baggage, public liability, activities covered and more. For more information, see our articles on common travel insurance exclusions, mental health and travel insurance, and travel insurance and alcohol exclusions.
  • Claim service – The claims score makes up the other 20% of the overall score and uses the Financial Ombudsman Service's (FOS) data to assess how well insurers deal with claims disputes based on the number of consumers that lodged a dispute about an insurer with FOS in 2016–17, how far they progressed through that process and what the chance was of achieving an agreeable outcome.

Our reviews are rigorous and completely independent. See how we're different to other insurance comparison websites.

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List of brands we tested in this review.


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For worldwide travel for a 35-year-old couple. May vary depending on age, activities, additional cover and more.

enter value/s in increments of 1 between 278 and 1652

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Included in this review

Members-only access
  • Annual premium
  • Recommended
  • Overall score
  • Policy score
  • Claims score
  • Cover for spouse and/or dependants
  • Cover travellers on a one-way ticket
  • Additional expenses for kennel or cattery
  • Neonatal intensive care
  • International cruises
  • Domestic cruises
  • Brand
  • Policy
  • Provider
  • Days travel annually
  • Extend days on annual trip
  • Policy age limit
  • Medical expenses
  • Daily hospital cash allowance
  • Hours of hospitalisation before you receive the cash allowance
  • Dental expenses for accident or injury
  • Dental expenses acute pain
  • Overseas funeral costs
  • Cancellation expenses
  • Cancellation for frequent flyer points
  • Cancellation expenses for travel agent fees
  • Additional expenses for interrupted travel
  • Travel insurance extension for delayed trip
  • Additional expenses for special event
  • Additional expenses for pre-paid travel arrangements
  • Travel delay expenses
  • Hours before travel delay covered
  • Limit per 24 hour period for travel delay
  • Baggage expenses
  • Single unspecified item
  • Video or photo camera
  • Laptop or tablet
  • Smartphone
  • Prescribed medications
  • Overall limit for specified items
  • Per item limit for specified items
  • Cover for cash
  • Limit for baggage lost temporarily
  • Family limit for baggage lost temporarily
  • Hours before cover applies for baggage lost temporarily
  • Rental car excess
  • Limit for rental car excess
  • Personal liability expenses (million)
  • Pregnancy related claims
  • Stage until pregnancy complications covered (weeks)
  • Childbirth if it occurs up until this stage of pregnancy
  • IVF
  • Cover for listed pre-existing medical conditions
  • Cover for unlisted pre-existing medical conditions
  • Mental illness related claims
  • Heart condition related claims
  • Cancer related claims
  • Cover medical conditions with no symptoms for 2 years
  • Number of dependants permitted on a family policy
  • Maximum age for dependants
  • Moped below 50cc
  • Motorcycle
  • Scuba diving
  • Open water diving
  • Skiing
  • Skiing off-piste
  • Snowmobile
  • Tobogganing
  • Abseiling
  • Boating
  • Bungee jumping
  • Canyoning
  • Hang gliding
  • Hiking
  • Horse riding
  • Hot air ballooning
  • Kayaking
  • Parachute jumping
  • Paragliding
  • Quadbiking
  • Segway tours
  • Tandem skydiving
  • White water rafting
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