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annual multi trip travel insurance

Annual Multi-Trip Travel Insurance

🌍 Travelling more than once this year?

Cover every trip, every destination, all year long – with a single annual travel insurance policy from Allianz. Starting from AED 664.

✅ Unlimited trips - each covered for up to 90 days

✅ No need to specify travel dates or destinations at purchase

✅ Up to USD $500,000 emergency medical coverage (Premium)

✅ Schengen visa compliant - official insurance certificate included

✅ Family plans available - one policy covers the whole family

✅ #1 global insurance brand for 7 consecutive years

 

🔒 Get Your Annual Multi-Trip Quote →

Traveler age 1

We cover travellers from 0 to 85 years-old.

Traveler age 1

We cover travellers from 0 till 85 years-old

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🌍 #1 Globally

Ranked #1 Insurance brand worldwide - 7 years running

♾️ Unlimited Trips

One policy. Every trip. All year. Up to 90 days each.

💰 From AED 664

Cheaper than buying 3 single-trip policies. Guaranteed.

🕐 24/7 Support

Emergency helpline available every day, every hour.

What is Annual Multi-Trip Travel Insurance?

Annual multi-trip travel insurance is a single insurance policy that covers you for an unlimited number of trips over a 12-month period. Unlike single-trip travel insurance - which you must buy separately for each journey - an annual travel insurance policy activates the moment you purchase it and remains valid for every trip you take until its expiry date.

Each individual trip under your annual multi-trip travel insurance can be up to 90 days in duration. This makes it ideal for frequent leisure travellers, business professionals who travel regularly, and expat families in the UAE who take multiple holidays per year.

How Is It Different from Single-Trip Policy?

With a single-trip policy, you buy insurance once, for one trip, with specific dates. If your plans change, you may need to buy a new policy. With annual multi-trip insurance, you never have to think about insurance again - your coverage is always on.

Why Is It Increasingly Popular Among UAE Residents?

UAE-based travellers are among the most active in the world. With convenient connections from Dubai and Abu Dhabi to Europe, Asia, and Africa, it is common for UAE residents to travel 4-6 times per year. An annual travel insurance plan removes the friction of rebooking insurance each time - and saves money for anyone travelling more than twice a year.

Annual Multi-Trip Travel Insurance - Full Coverage Comparison

Who Should Buy Annual Multi-Trip Travel Insurance?

Annual travel insurance is designed for people who travel more than twice a year. If you are planning three or more trips in the next 12 months - whether for leisure, business, or visiting family, an annual multi-trip policy will almost certainly be more cost-effective and more convenient than buying separate insurance for each journey.

Quick Rule of Thumb: If you travel more than 3+ times a year, Annual multi-trip travel insurance saves you both money and admin time compared to Single-trip policies. Allianz Annual plans start from AED 664 - often less than the cost of two single-trip policies. 

✈️ Frequent Travellers

Travel 3+ times a year for leisure or adventure? An annual multi-trip travel insurance policy means you are covered for every journey from the moment you buy - no repeat admin, no policy gaps.

💼 Business Travellers

Short, frequent business trips throughout the year? Annual travel insurance from Allianz provides consistent protection for every flight, with coverage for trip cancellations, delays, and medical emergencies.

👨‍👩‍👧 Families

Families that holiday more than once a year benefit enormously from annual travel insurance. Cover everyone under a single family plan and save compared to buying individual policies per trip.

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Annual Multi-Trip vs Single-Trip - Which Is Right for You?

Not sure which travel insurance type suits you? This table helps you decide based on your travel habits:

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Feature
Annual Multi-Trip
Single Trip
Trips per year covered Unlimited (within 12 months) One trip only
Trip duration Up to 90 days per trip Up to 90 days for that trip
Pre-trip planning required No - buy once, travel anytime Yes - specific dates required
Cost for 3+ trips/year More economical More expensive (3 separate policies)
Schengen visa compliant Yes Yes
Spontaneous travel Fully covered Must buy new policy each time
Ideal for Frequent travellers, business, expats One-off holidays or rare trips
The bottom line: If you travel more than twice a year from the UAE, annual multi-trip travel insurance is almost always the smarter financial and logistical choice.

Why Choose Allianz Annual Multi-Trip Travel Insurance?

With more than 125 years of global insurance expertise and operations in 70+ countries, Allianz Travel is the world's most trusted travel insurance brand. Here is why UAE-based frequent travellers choose us:

🏆 #1 Global Insurance Brand

Ranked #1 worldwide for 7 consecutive years by Interbrand - the most recognised name in global insurance, trusted by millions of travellers.

🌐 Worldwide Coverage

Our annual multi-trip travel insurance covers destinations worldwide. Whether you are visiting Europe, Asia, the Americas, or beyond, you are protected.

♾️ Unlimited Trips, One Policy

Take as many trips as you want throughout the year - each covered for up to 90 days - all under a single, easy-to-manage annual travel insurance policy.

⚡ No Dates, No Hassle

You do not need to specify travel dates when you buy. Your annual travel insurance is active from the policy start date - covering spontaneous trips instantly.

🕐 24/7 Emergency Assistance

Round-the-clock global assistance available every day of the year. Wherever in the world you are, our team is always reachable at +971 4 270 8705.

💰 From AED 664 / Year

One annual premium covers unlimited trips. For frequent travellers taking 3 or more trips a year, the annual plan is consistently more cost-effective than single-trip policies.

How Much Does Annual Travel Insurance Cost from UAE?

Allianz annual multi-trip travel insurance starts from AED 664 per person for the Standard plan, and from AED 895 for the Premium plan. Your final premium depends on:

  • Your age
  • Whether you are purchasing individual or family cover
  • Standard or Premium plan selection

Use the quote calculator at the top of this page to get your exact annual travel insurance price in under 60 seconds. No phone calls. No paperwork. Instant policy issued on payment.

Calculate My Annual Travel Insurance Price

How to Buy Annual Insurance Online - 3 Simple Steps:

Buying your Schengen visa insurance from Allianz takes less than 3 minutes. Here's how:

Step 1 - Enter Your Details

Select 'Annual Multi-Trip' in the quote tool above. Select UAE as your country of residence, number of travellers, traveller ages, and apply any promo code. You do not need to specify travel dates or destinations.

Step 2 - Choose Your Plan

Compare our Standard and Premium annual multi-trip plans. Review coverage limits for medical expenses, trip cancellation, baggage, and personal liability. Select the plan that fits your travel style.

Step 3 - Pay and Receive Your Certificate Instantly

Complete your secure online payment. Your annual travel insurance policy document and certificate are emailed to you immediately. Your coverage starts from your chosen policy start date.

Buy Annual Insurance Now

What UAE Travellers Say About Our Annnual Insurance

Don't just take our word for it. With a 4.5/5 eKomi rating from verified policyholders, Allianz Annual Multi-Trip Travel Insurance is the policy UAE frequent travellers keep renewing year after year.

eKomi Seal
Multi Trip Travel Insurance
4.5 / 5
Rating based on 75 reviews

Frequently Asked Questions

We're here to help! Below are answers to some of the most commonly asked questions about our Annual Multi-Trip travel insurance. If you need further assistance or have additional questions, please feel free to reach out to us at travel@nextcarehealth.com. Our team is ready to assist you.

General Information

Once you purchase an annual multi-trip travel insurance policy, it is valid for 12 months from your chosen start date. During that period, you can take as many trips as you like - each up to 90 days in duration - and you will be covered for all of them. You do not need to notify your insurer before each trip or specify dates in advance. Simply travel, and your coverage is automatically active.

There is no limit to the number of trips you can take under an Allianz annual multi-trip travel insurance policy. You can travel as many times as you like within the 12-month policy period. The only limit is the maximum duration per individual trip, which is 90 days. If any single trip exceeds 90 days, you would not be covered for the portion beyond that limit.

Each trip covered under your Allianz annual multi-trip travel insurance policy can be a maximum of 90 days in duration. This covers the vast majority of leisure and business trips. If you are planning a continuous stay abroad of more than 90 days, travel insurance is not the right product - you would need an international health insurance policy instead. Please review your policy terms carefully before booking an extended stay.

A single-trip travel insurance policy covers one specific journey - you must provide start and end dates, and coverage ends when the trip concludes. An annual multi-trip travel insurance policy covers unlimited trips over 12 months, without needing to specify dates for each journey. Annual plans are more cost-effective for frequent travellers; single-trip policies are better suited for one-off trips or those who travel once per year.

Annual multi-trip travel insurance from Allianz is available to UAE residents - both UAE nationals and expatriates holding valid UAE residency visas. We cover travellers from 0 to 85 years of age. This policy is recommended for individuals who travel three or more times per year. If you travel infrequently, a single-trip policy may be more economical.

Coverage & Benefits

Allianz annual multi-trip travel insurance covers: emergency medical expenses (up to $250,000 on Standard, $500,000 on Premium); emergency evacuation and repatriation; repatriation of mortal remains; return of dependents; emergency family travel; emergency dental ($100–$300); search and rescue ($1,000); trip cancellation ($3,000–$5,000); trip interruption ($3,000–$5,000); travel delay ($200–$300); baggage coverage ($1,500–$2,000); valuables including laptops ($400–$500); baggage delay ($200–$300); and personal liability ($250,000–$500,000). All benefits are subjected to policy terms and conditions.

Yes. Allianz annual multi-trip travel insurance provides worldwide coverage, meaning you are protected wherever your trips take you - whether within the GCC, across Europe, throughout Asia, or to the Americas. The geographical coverage is the same for each trip within the policy year. Always confirm your specific destination is covered under your chosen plan when purchasing.

Yes. All Allianz outbound travel insurance products - including the annual multi-trip plans - are Schengen-compliant, meaning they meet the mandatory EU requirements for Schengen visa applications. This includes the minimum €30,000 emergency medical coverage requirement. An official insurance certificate is issued with your policy and can be submitted with your Schengen visa application. Note: The Schengen-specific policy provides a dedicated certificate - if you need one for a visa application, confirm with the relevant embassy that your annual policy certificate is accepted.

Yes. Allianz offers family annual travel insurance plans that cover you, your spouse or partner, and your dependent children under a single policy. A family annual multi-trip plan is significantly more cost-effective than purchasing individual annual policies for each family member. Family set prices include 2 adults with unlimited number of children therefore it is by far the most economical solution. When adding 3 or more travellers, simply select ‘ are you a family’ toggle and unlock family-friendly prices.

Flexibility & Limitations

Yes - for anyone taking three or more trips per year, annual multi-trip travel insurance is almost always more cost-effective than buying separate single-trip policies. The Allianz Standard annual plan starts from AED 664 per year. If you would otherwise buy three individual policies at AED 250–300 each, you are already breaking even at two trips - and gaining the added benefit of no-admin, spontaneous travel coverage for the rest of the year.

No. One of the biggest advantages of annual multi-trip travel insurance is that you do not need to specify travel dates or destinations at the time of purchase. Your policy is valid from its start date and covers any eligible trip you take within the 12-month period. This makes it ideal for spontaneous travellers, business professionals with unpredictable schedules, and anyone whose travel plans change frequently.

Travel insurance is not designed to replace health insurance. If you plan to travel more than 3 months in a row abroad, 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 and duration 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.

Allianz clarifies the limits of its travel insurance in policy documents, ensuring you're well-informed.

Claims & Exclusions

Allianz annual multi-trip travel insurance covers: emergency medical expenses (up to $250,000 on Standard, $500,000 on Premium); emergency evacuation and repatriation; repatriation of mortal remains; return of dependents; emergency family travel; emergency dental ($100–$300); search and rescue ($1,000); trip cancellation ($3,000–$5,000); trip interruption ($3,000–$5,000); travel delay ($200–$300); baggage coverage ($1,500–$2,000); valuables including laptops ($400–$500); baggage delay ($200–$300); and personal liability ($250,000–$500,000). All benefits are subjected to policy terms and conditions.

To make a claim on your Allianz annual travel insurance:

  1. In case of a medical emergency, please contact our 24/7 emergency line immediately for medical emergencies: +971 4 270 8705, or alternatively send us an email on assistance@nextcarehealth.com
  2. For all other non-emergency reimbursement claims, you can file your claim through our online platform:   https://travelclaims.tatsh.cloud/
  3. Alternatively, you can also contact us via telephone on +971 4 270 8705, or send us an email on travel.claims@nextcarehealth.com.  We’re available from 8 AM to 8 PM, Monday to Friday.
  4. A dedicated claims assessor will review your case and contact you for any additional information. Approved claims are reimbursed per the policy terms.

File your claim as soon as possible after the incident - the sooner you submit, the faster the resolution.