Annual Multi Trip Travel Insurance

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Planning multiple trips this year? Allianz has you covered with Annual Trip Insurance - the smart choice for frequent travelers.

Unlimited Trips: Travel as often as you like, with each trip covered for up to 90 days.

Save More: One policy, one price - no need to buy insurance for every trip.

Visa-Compliant: Meets requirements for Schengen and other visa applications.

Hassle-Free: Easy, convenient, and comprehensive coverage all year round.

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Simplify your travel plans and enjoy peace of mind for every journey.

Join millions worldwide who trust Allianz, voted the #1 global insurance brand for 7 years in a row. Your adventures await! ✈️

Traveler age 1

We cover travellers from 0 to 85 years-old.

Traveler age 1

We cover travellers from 0 till 85 years-old

Our Annual Multi-Trip travel insurance is the perfect choice for frequent travellers. It covers trips under 90 days throughout the year. You don't need to specify travel dates or destinations when purchasing, making it a hassle-free and comprehensive option.

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Why you should choose an annual multi-trip travel insurance?

Annual travel insurance or multi-trip insurance covers multiple trips within a year, making it cost-effective and convenient for frequent travellers.

Multi-trip insurance policies can be up to 50% cheaper than single-trip insurance for each journey.

Allianz Travel's annual multi-trip insurance covers trips lasting up to 90 days throughout the year. This means you can travel with peace of mind, knowing you're protected without the hassle of buying insurance for each trip. It's a practical and economical choice, especially considering the unpredictability of travel plans.

Who should buy multi-trip insurance?

Annual travel insurance is ideally suited for frequent travellers, such as business travellers or individuals who take multiple leisure trips throughout the year. Statistically, this group is at a higher risk of facing travel disruptions, including flight cancellations, trip delays, and unexpected medical issues.

According to the U.S. Travel Insurance Association, 65% of travellers experienced at least one travel-related issue in 2019. With the convenience of an annual multi-trip policy, you are protected against these potential setbacks on every journey. It's a wise choice for anyone who wants to reduce the financial and logistical burden of securing insurance before each trip.

How do you choose annual multi-trip travel insurance?

Choosing the right annual multi-trip travel insurance ensures your coverage aligns with your travel needs. Start by comparing various insurance options, considering factors such as coverage limits, deductibles, and additional benefits like trip cancellation and baggage protection.

Ensure you understand your policy's terms and conditions, such as coverage duration and restrictions. For instance, Allianz Travel Insurance's annual insurance plans cater to travellers who may not need to know their exact travel dates or destinations, providing flexibility and convenience for frequent travellers.

Top features of annual multi-trip insurance plans

Allianz Travel Insurance's annual multi-trip insurance plans offer several key features that make it a top choice for frequent travellers. These features include:

Coverage for trips lasting up to 90 days each, which aligns with the typical duration of most leisure and business trips.
Another notable advantage is the flexibility of not needing to specify exact travel dates or destinations, which accommodates the dynamic schedules of frequent travellers.
Save up to 50% when compared to purchasing individual policies for each trip.
Finally, the emphasis on short-term coverage (not exceeding 90 days per trip) underlines the suitability of these plans for those who engage in multiple, shorter journeys throughout the year.

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Multi Trip Travel Insurance

4.5 / 5

The purchase experience was straightforward and smooth. However, I have not made any claims yet, so I am unable to comment on how the actual claim handling and support experience will be.

Travel Insurance for multiple trips in a year

	Travel Standard Standard Annual Multi-Trip travel insurance From 664 AED Get A Quote	Travel Premium PremiumAnnual Multi-Trip travel insurance From 895 AED Get A quote

Benefits

Emergency Medical Expenses Provides cover if you are taken into hospital or you need to come home early or extend your journey due to illness or accident.	$250,000	$500,000

Emergency Medical Evacuation / Repatriation If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Repatriation of Remains If deemed medically necessary we shall organise your evacuation to the nearest or most suitable medical facility to provide the required care for your health condition. In extreme circumstances this may require repatriation back to your home country.	Included Above	Included Above

Return of Dependents If you die or are told by the treating doctor you will be hospitalized for more than 24 hours during your trip, we will arrange and pay to transport your traveling companions who are under the age of 18	Included Above	Included Above

Emergency Family Travel / Visit of close relative On medical advice we shall pay for a close relative to stay with you, or travel to you from your home country in case you are hospitalized.	Included Above	Included Above

Dental In case of an emergency we shall cover you for dental treatment to relieve sudden pain.	$100	$300

Search and Rescue In case you are reported missing or need to be rescued from a physical emergency while on your trip.	$1,000	$1,000

Trip Cancellation Provides cover if you need to cancel before it begins because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	$3,000	$5,000

Trip Curtailment Provides cover if you need to cut your journey short because you, a travelling companion, someone you are going to stay with or a relative is ill, seriously injured, has had an accident or died.	$3,000	$5,000

Delayed Departure Cover if your departure is delayed by more than 6 hours. Benefits apply after the first 12 hours delay and additional benefits apply after each extra delay of 12 hours. Your policy will specify the maximum payable. The circumstances covered are listed in the Policy Document. Alternatively, you may receive up to the amount specified in your policy, if you chose to abandon your journey or cancel your holiday after a 24 hour delay.	$200	$300

Baggage Loss Cover for purchasing essential items if your personal possessions are delayed for more than 12 hours on your outward journey.	$1,000	$2,000

Valuable (including laptops) Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, laptop, television, fax and phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.	$400	$500

Baggage Delay Provides cover if your personal possessions (this does not include valuables) are temporarily lost or stolen on your outward journey for more than 6 hours from when you arrived at your destination.	$200	$300

Personal Liability Cover for costs that you are legally liable for due to any of the following that you cause during your journey Bodily injury of another person: loss or damage of other peoples property.	$250,000	$500,000

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Standard Annual Multi-Trip travel insurance

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Everything you need to know about Annual Multi-trip Travel Insurance

Is Annual Multi-Trip Insurance worth it?

Yes, Annual Multi-Trip Insurance can be worth it for frequent travellers. This type of insurance covers multiple trips within a specified time frame, usually one year. The cost-effectiveness of this insurance depends on the frequency and duration of your travels. Here are some factors to consider:

Frequency of travel: If you travel multiple times a year, an Annual Multi-Trip Insurance plan can be more cost-effective than purchasing a separate policy for each trip. Generally, Annual Multi-Trip Insurance offers cost savings compared to buying individual policies for each trip. It can be a convenient and economical option.
Coverage consistency: An annual plan provides consistent coverage for the entire year, which is beneficial if your travel plans change frequently.
Convenience: It eliminates the need to purchase insurance for each trip separately, saving you time and effort in booking.
Emergency medical coverage: Annual Multi-Trip Insurance often includes emergency medical coverage, providing financial protection for unexpected medical expenses during travel.

However, it's essential to carefully review the specific insurance policy's terms, conditions, and coverage limits to ensure it meets your travel needs. Factors such as trip duration, destinations, and types of coverage should be considered when determining whether Annual Multi-Trip Insurance is worth it for your circumstances.

Allianz's Annual Multi-Trip Insurance is a cost-effective and convenient solution for frequent travellers. This insurance plan, covering multiple trips within a year, proves advantageous for those with varying travel frequencies and durations. With potential cost savings and consistent coverage, Allianz simplifies the insurance process, eliminating the need for separate policies for each journey. The plan's comprehensive emergency medical coverage adds an extra layer of protection against unforeseen medical expenses during travels. Before choosing this option, reviewing Allianz's specific policy details is crucial, ensuring it aligns with individual travel needs and preferences for a worry-free and efficient travel insurance experience.

How does Annual Multi-Trip Insurance work?

Annual Multi-Trip Insurance, also known as Annual Travel Insurance or Annual Travel Cover, is a type of travel insurance that provides coverage for multiple trips within a specified period, usually one year. Here's how it generally works:

Policy duration: When you purchase an Annual Multi-Trip Insurance policy, it typically covers you for 12 months from the start date. You can take multiple trips during this time without purchasing separate insurance for each journey.
Trip duration limits: Each trip covered by the policy usually has a maximum duration limit. For example, at Allianz Travel, an annual multi-trip policy covers individual trips up to 90 days. Awareness of this limit is essential, as coverage may not apply beyond this specified duration.
Coverage: The insurance typically covers a range of common travel-related risks, including trip cancellations, interruptions, lost or delayed baggage, emergency medical expenses, and evacuation.
Geographical coverage: Annual Multi-Trip Insurance usually includes coverage for a or several geographical area(s), such as worldwide coverage. Be sure to choose a policy that aligns with your travel destinations.
Renewal: At the end of the 12 months, you may need to buy a new policy to maintain coverage for the subsequent year.
Flexibility: This type of insurance is suitable for frequent travellers, providing flexibility and convenience by eliminating the need to purchase insurance for each trip.

It's crucial to carefully read and understand the terms and conditions of your specific policy. Pay attention to coverage limits, exclusions, specific trip duration and destination requirements. Certain high-risk activities may not be covered, so disclosing all relevant information is essential when purchasing insurance.

When considering Annual Multi-Trip Insurance, Allianz Travel is a trusted choice offering comprehensive coverage for frequent travellers. The 12-month policy duration allows multiple trips without the hassle of obtaining separate insurance each time. Allianz Travel's coverage spans common travel risks, including cancellations, baggage issues, medical emergencies, and evacuations. With geographical flexibility, you can choose coverage tailored to your travel destinations, whether worldwide or region-specific. Allianz's Annual Multi-Trip Insurance brings convenience and flexibility, making it an ideal choice for those who frequently embark on journeys. Before securing this coverage, carefully review Allianz's policy details to ensure it aligns with your travel needs.

What is the difference between Single Trip Insurance and Annual Multi-Trip Insurance?

Single Trip Insurance and Annual Multi-Trip Insurance are two travel insurance policies designed to cater to varying travel needs. Here are their key differences:

Coverage duration

Single Trip Insurance: Provides coverage for a specific trip with a defined start and end date. Once the trip concludes, the coverage ceases.
Annual Multi-Trip Insurance: Covers multiple trips within a specified period, usually 12 months from the policy's start date. Each trip has a maximum duration limit.

Frequency of travel

Single Trip Insurance: Ideal for individuals who travel infrequently or have planned a one-time trip.
Annual Multi-Trip Insurance: Suited for frequent travellers anticipating multiple trips within a year.

Cost-effectiveness

Single Trip Insurance: This can be cost-effective for individuals who travel occasionally or have irregular travel patterns.
Annual Multi-Trip Insurance: Typically more cost-effective for those who travel frequently, as it eliminates the need to purchase a new policy for each trip.

Convenience

Single Trip Insurance: Simple and straightforward, providing coverage for the specific trip for which it is purchased.
Annual Multi-Trip Insurance: Offers convenience for frequent travellers by providing continuous coverage for multiple trips without the need to purchase a new policy each time.

Maximum trip duration

Single Trip Insurance: Provides coverage for the entire duration of a single trip, which can range from a few days to 90 days, depending on the policy.
Annual Multi-Trip Insurance: Each trip covered by the policy has a maximum duration limit (e.g., 90 days), and coverage may not apply beyond this limit. However the policy works for subsequent trips below 90 days taken within the policy validity duration.

Geographical coverage

Single Trip Insurance: You can choose coverage for specific regions or worldwide, depending on your travel destination.
Annual Multi-Trip Insurance: Similar to Single Trip Insurance, the coverage can be tailored based on the geographical areas you plan to visit.

Choosing between Single Trip Insurance and Annual Multi-Trip Insurance depends on your travel habits and how frequently you plan to journey within a given year.

For a reliable and comprehensive solution to your travel insurance needs, consider Allianz Travel. Whether you opt for Single Trip Insurance or Annual Multi-Trip Insurance, Allianz provides tailored coverage for flexibility and convenience. Their policies cater to diverse travel habits, ensuring you have the right protection for your journey. With a reputation for reliability and customer satisfaction, Allianz stands out as a trusted choice in travel insurance. Before embarking on your next adventure, explore Allianz's offerings to secure peace of mind throughout your travels.

When should I purchase Annual Multi-Trip Insurance?

Annual Multi-Trip Insurance is suitable for individuals who travel frequently and plan to take multiple trips within a specific period, usually a year. Here are some scenarios and considerations for when you should consider purchasing Annual Multi-Trip Insurance:

1. Frequent traveller

If you travel multiple times a year, whether for business or leisure, Annual Multi-Trip Insurance can be cost-effective compared to buying a separate insurance policy for each trip.

2. Cost savings

If the total cost of individual trip insurance policies for the year exceeds the cost of an Annual Multi-Trip Insurance plan, opting for the annual coverage can result in cost savings.

3. Convenience

If you prefer the convenience of having continuous coverage without the need to purchase insurance for each trip individually, an annual plan is a practical and time-saving solution.

4. Unpredictable travel plans

If your travel plans are unpredictable or subject to change, having an annual policy provides flexibility, ensuring you have coverage for any last-minute trips.

5. Business travel

Business travellers who frequently embark on short-duration trips throughout the year may find Annual Multi-Trip Insurance beneficial for consistent coverage.

6. Geographical flexibility

If you plan to travel to various destinations, including different regions or countries, an annual plan with wide geographical coverage can be more convenient than purchasing separate policies for each location.

7. Emergency medical coverage

If emergency medical coverage is a priority, Annual Multi-Trip Insurance often includes this feature, providing financial protection for unexpected medical expenses during your travels.

8. Family travel

If you’re part of a family that travels frequently together, an annual family travel insurance policy may be more economical than individual policies for each family member.

It's important to carefully review the terms and conditions of the Annual Multi-Trip Insurance policy you are considering. Consider factors such as maximum trip duration, coverage limits, geographical coverage, and any exclusions that may apply. This ensures the policy aligns with your travel habits and provides the necessary coverage for your needs.

Consider Allianz for a comprehensive and convenient solution to your travel insurance needs. Whether you are a frequent traveller, business professional, or part of a family that loves to explore, Allianz's Annual Multi-Trip Insurance offers cost-effective and flexible coverage. With a focus on providing continuous protection for multiple trips within a year, Allianz ensures you have the peace of mind you need throughout your journeys. The convenience of having consistent coverage, coupled with the potential for cost savings, makes Allianz a trusted choice for those with diverse and frequent travel plans.

Do I need to have a trip planned to purchase Annual Multi-Trip Insurance?

No, you don't necessarily need to plan a specific trip when purchasing Annual Multi-Trip Insurance. One of the advantages of this type of insurance is its flexibility, allowing you to be covered for multiple trips throughout the year, even if those trips are not pre-planned when purchasing the policy.

Here are a few points to consider:

1. Flexibility: Annual Multi-Trip Insurance provides coverage for a specified period, usually 12 months, irrespective of whether you have concrete travel plans at purchase.

2. Continuous coverage: Once you have the annual policy in place, you are covered for any eligible trips you take during the policy period, up to the maximum duration allowed for each trip.

3. Spontaneous travel: If you engage in spontaneous or last-minute travel, an Annual Multi-Trip Insurance policy ensures you are covered for unforeseen trips.

4. Consistent protection: The policy offers consistent protection, making it suitable for individuals whose travel plans evolve throughout the year.

5. Cost savings: If you anticipate travelling multiple times within the year, purchasing Annual Multi-Trip Insurance can be cost-effective compared to buying separate policies for each trip.

While you don't need a specific trip planned when purchasing, it's important to provide accurate information about your travel habits, including the types of trips you typically take and the regions you plan to visit. This helps select an annual policy that aligns with your needs and ensures that you have adequate coverage for your travel activities throughout the policy period.

When flexibility meets comprehensive coverage, Allianz's Annual Multi-Trip Insurance emerges as the ideal choice. With Allianz, you don't need to have a specific trip planned at the time of purchase, allowing you the freedom to travel spontaneously or make last-minute decisions. This insurance offers continuous coverage for a specified period, usually 12 months, accommodating the evolving nature of your travel plans. Whether you're a frequent traveller or someone who embraces spontaneity, Allianz's Annual Multi-Trip Insurance provides consistent protection, ensuring you're covered for unforeseen trips and offering potential cost savings for multiple journeys within the year.

How long does Annual Multi-Trip Insurance last?

Annual Multi-Trip Insurance typically lasts 12 months from the policy's effective date. During these 12 months, you are covered for multiple trips, each with its maximum 90-day-duration limit. The coverage is continuous, allowing you to embark on multiple journeys without purchasing a new insurance policy for each trip.

Key points regarding the duration of Annual Multi-Trip Insurance:

1. Policy period: The insurance coverage begins on the date specified in the policy and lasts 12 months.

2. Multiple trips: You can take multiple trips within the 12 months covered by the policy.

3. Maximum trip duration: Each trip covered by the policy has a maximum duration limit. At Allianz, an annual policy cover trips up to 90 days each.

4. Renewal: At the end of the 12 months, you may need to renew the policy to continue enjoying coverage for the subsequent year.

It's important to review the terms and conditions of the specific Annual Multi-Trip Insurance policy you choose to understand the maximum duration allowed per trip and any other details related to coverage, geographical limits, and exclusions. Additionally, remember that the policy's effectiveness is contingent on the renewal process if you wish to maintain coverage beyond the initial 12-month period.

For a seamless travel experience throughout the year, consider Allianz's Annual Multi-Trip Insurance, offering 12 months of continuous coverage. With this comprehensive plan, you can embark on multiple journeys without the hassle of purchasing a new insurance policy for each trip. Each trip the policy covers has its maximum duration limit, ensuring flexibility to suit your travel needs. At the end of the 12 months, simply renew the policy for uninterrupted coverage in the subsequent year.

Can I buy Annual Multi-Trip Insurance for my family?

Yes, many insurance providers offer family plans for Annual Multi-Trip Insurance. These plans are designed to cover all immediate family members under a single policy. Here are some key points:

1. Family coverage: Family plans typically cover you, your spouse and dependent children. The age limit for dependent children may vary by insurance provider.

2. Cost-effective: Opting for a family plan can be cost-effective compared to purchasing individual policies for each family member. It streamlines the insurance process and often offers a more economical solution.

3. Coverage details: Ensure that the family plan provides coverage for the types of trips you anticipate taking and that it meets the needs of all family members.

4. Trip duration limits: Pay attention to the maximum duration allowed per trip under the family plan. Each trip may have a specified limit.

5. Renewal: Like individual Annual Multi-Trip Insurance, family plans typically have 12 months. You may need to renew the policy at the end of this period to maintain coverage.

6. Family definition: Insurance providers may have specific criteria for defining a family, so it's important to check and ensure that the plan covers all individuals you consider part of your family.

7. Age limits: Be aware of any age restrictions for family members covered under the plan, especially dependent children.

When considering Annual Multi-Trip Insurance for your family, it's advisable to compare different insurance providers, review the terms and conditions of the policies, and select a plan that best suits your family's travel needs. Additionally, disclosing accurate information about your family members is essential to ensure everyone receives the appropriate coverage.

For comprehensive and cost-effective coverage for your family's frequent travels, consider Allianz Travel's Family Plan for Annual Multi-Trip Insurance. This tailored plan encompasses you, your spouse or partner, and dependent children under a single policy, simplifying the insurance process and offering an economical solution. With coverage spanning 12 months, each family member benefits from continuous protection during multiple trips, with specified limits per journey.

Can I get Annual Multi-Trip Insurance for my business trip?

Yes, Annual Multi-Trip Insurance can be suitable for business travellers who take multiple trips throughout the year. This type of insurance covers various trips within a specified period, typically 12 months. Here are some considerations if you're considering getting Annual Multi-Trip Insurance for your business trips:

1. Frequent business travel: If you travel for business purposes multiple times a year, Annual Multi-Trip Insurance can offer cost savings and convenience compared to purchasing separate policies for each trip.

2. Cost-effectiveness: Annual Multi-Trip Insurance is designed to be cost-effective for individuals who anticipate frequent travel. It can be more economical than buying individual policies for each business trip.

3. Continuous coverage: An annual policy provides continuous coverage for the entire year, providing peace of mind for last-minute or unplanned business trips.

4. Trip duration limits: Know the maximum duration allowed per trip under the annual policy. Some policies may have specific limits for individual trips.

5. Coverage for business activities: Confirm that the Annual Multi-Trip Insurance provides coverage for business-related activities, including coverage for business equipment, trip cancellations, and emergency medical expenses.

6. Geographical coverage: Ensure the policy's geographical coverage aligns with your business travel destinations. Some policies may have restrictions or options for different regions.

7. Policy details: Carefully review the terms and conditions of the Annual Multi-Trip Insurance policy you are considering to understand the coverage details, exclusions, and any additional features relevant to your business travel needs.

By selecting an Annual Multi-Trip Insurance policy that suits your business travel patterns and provides comprehensive coverage, you can enjoy the convenience of continuous protection for your frequent trips throughout the year.

Allianz Travel's Annual Multi-Trip Insurance stands out as a strategic choice for business professionals seeking reliable coverage for frequent travel. This insurance option is tailored for those engaged in multiple business trips annually and offers a cost-effective and convenient solution. Coverage extending over 12 months ensures continuous protection for last-minute or unplanned journeys. Allianz's policy addresses the specific needs of business travellers, including considerations for trip duration, coverage for business activities, and geographical flexibility.

Who can buy Annual Multi-Trip Insurance in the UAE?

Annual Multi-Trip Insurance in the UAE is typically available for residents and citizens of the UAE who meet the eligibility criteria set by insurance providers. The specific eligibility requirements may vary among insurance companies. Still, generally, the following individuals may be eligible to purchase Annual Multi-Trip Insurance in the UAE:

1. Residents (both expatriates and citizens): Residents and citizens living in the UAE may be eligible to purchase Annual Multi-Trip Insurance. This includes individuals with long-term visas, such as employment or residence visas.

2. Age requirements: Insurance providers may have specific age requirements for applicants. The age limit for coverage may vary, and some policies may have different age categories for adults and children.

3. Frequent travellers: This type of insurance is designed for individuals who plan to take multiple trips within a year - therefore it is recommended to buy an annual policy only if you travel frequently.

It's important to note that eligibility criteria and policy details vary, so it's advisable to check with specific insurance companies to understand their requirements and coverage options. Additionally, individuals seeking Annual Multi-Trip Insurance in the UAE should carefully review the terms and conditions of the chosen policy to ensure it meets their travel needs and preferences.

Allianz's Annual Multi-Trip Insurance is a trusted option for UAE residents and citizens seeking comprehensive travel coverage. Tailored for those with frequent travel plans, this insurance offering is available for residents, expatriates, and citizens of the UAE, including individuals with long-term visas. With flexible age categories and eligibility for adults and children, Allianz accommodates various demographics. Designed for individuals in good health who anticipate multiple trips within a year, this insurance option prioritises transparency and convenience.

What if I stay abroad for over three months?

Travel insurance is not designed to replace health insurance. If you plan to travel more than 3 months in a row aborad, you may need to get an international health insurance.

Travel insurance is only for short trips (less than 90 days) and annual multi-trip policies make no exception.

Here's what you should consider:

1. Trip duration limit: Check the maximum duration allowed per trip under your Annual Multi-Trip Insurance policy. At Allianz, the maximum trip duration is 90 days

2. No Extension option: Once a trip has started, you will not be able to extend your travel insurance. That is why you need to know the reasons of your travel.

3. Policy terms: Review the terms and conditions of your specific insurance policy to understand how the insurer handles situations where a trip exceeds the maximum duration specified in the policy.

It's crucial to communicate with your insurance provider and understand your options. If your stay abroad will exceed the maximum trip duration allowed by your Annual Multi-Trip Insurance, discuss your situation with the insurer to explore possible solutions, such as extending coverage or obtaining additional insurance for the extended period. Remember that adherence to the policy terms is essential to ensure coverage and avoid potential complications in the event of a claim.

Allianz Tavel is a reliable choice when staying abroad for an extended period with Annual Multi-Trip Insurance. Allianz clarifies the limits of its travel insurance in policy documents, ensuring you're well-informed.