Annual Travel Insurance
As many of us are taking more than one trip a year, be it a summer holiday or ski trip in the winter months. It is sensible to take out an Annual Multi Trip Travel Insurance policy, as the cost can be cheaper and it means you do not have to worry about taking cover each time you travel. With our Annual Multi Trip Travel Insurance, there is an option of 31 day trip…
As many of us are taking more than one trip a year, be it a summer holiday or ski trip in the winter months. It is sensible to take out an Annual Multi Trip Travel Insurance policy, as the cost can be cheaper and it means you do not have to worry about taking cover each time you travel.
With our Annual Multi Trip Travel Insurance, there is an option of 31 day trip or 45 day trip durations. If you plan to spend more than this number of days away from your home, we can offer 61 and 93 trip durations. Please contact us for a quote and to discuss your requirements.
To get a quote by telephone or email, contact us on 0800 047 5065 (FREE) or 01273 773 017
We provide cover for Residents of the United Kingdom, The Republic of Ireland and the Channel Islands.
Who would suit an Annual Travel Insurance policy?
If you only make one or two trips abroad during the year, then a Single Trip Travel Insurance policy might be the best option.
What are the different levels of cover ?
The level of cover can vary and you are able to choose which best suits your needs. It should at least cover Medical and Repatriation expenses, with the option to include Personal Liability, Cancellation or Curtailment and Baggage.
Extra cover such as Money, Travel Delay and Failure of Carrier are usually within the higher cover options. Please have a look at the full Policy Wording Booklet for details.
How many Trips can I make during the year ?
The number of trips within the year are unlimited, however you must stay within the trip duration of the policy you have chosen. If you stay longer, you will not be covered and any claim made would not be accepted. If you have to make a claim, the insurer will ask for proof of travel and plane tickets if you have flown.
You would be able in most cases be able to extend the trip duration of the policy at an extra cost if you decide that for example 31 days is not long enough for one of your trips. Or alternatively, you could take out a Single Trip policy just for one trip.
If you are going to stay longer than the trip duration you have chosen, then an Annual policy is not for you. This type of policy might not be suitable if you have ongoing Medical Conditions.
In most cases any Heart, Lung or Terminal condition, will not be covered on an Annual Travel Insurance policy and a Single Trip policy would be best.
Cancellation due to Terrorist Activity
There is no cover in place for Cancellation or Curtailment if you need to cancel due to a terrorist attack in the destination you are travelling to. The same applies to, if the Foreign Office changes their advise; unfortunately we cannot cover anything in relation to this so it would be down to your Tour Operator or Airline to look at either changing your trip or providing you with a refund.
We would be able to amend the dates and destination type if you did need to change your trip prior to your original start date.
This insurance contract is between you and White Horse Ireland dac, a company registered in Ireland (Registered Company No. 306045), whose Registered Office is at Rineanna House, Free Zone West, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. This can be checked by visiting their website at www.centralbank.ie