Annual Multi Trip Travel Insurance provides cover for multiple holidays during a 12-month period under a single policy. Instead of arranging travel insurance for every trip, one policy covers all eligible journeys, subject to your chosen maximum trip duration.
0333 003 3161
Where do you live
All persons to be insured must reside at a permanent address in the United Kingdom.
Can I take out this insurance if I am already travelling?
If you purchase cover after leaving the United Kingdom having started your trip, a 48-hour waiting period applies before your policy becomes active. For cover to be valid, the “Already Travelling” extension must be shown on your Booking Invoice or Validation Certificate. Illness that develops during this 48-hour period will not be covered, as it will be treated as a pre-existing medical condition. However, if you suffer a serious accident during this time, you’ll be covered straight away, provided it is independently witnessed and confirmed by a medical professional.
IMPORTANT
Please be aware that once you’ve started travelling,
the 14-day cooling-off period no longer applies and premiums are non-refundable.
family
family
Definition of a couple
A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.
If you do not qualify as a couple, please select individual(s)
Annual Multi-Trip Durations
Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.
Annual Multi Trip trip limits:
Standard policy - 35 days
Premier policy - 90 days
If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.
Important Notice
Important Information
By selecting the "one-way" travel option or traveling without a pre-booked return ticket to your home country, note the following exclusion:
Curtailment, Section D: Return travel expenses to your home country will not be covered in the event of a curtailment claim if you do not have a valid return ticket to your home country.
Trip Type
Select the type of policy most suitable for your needs.
A flexible policy designed for travellers going abroad on a continuous trip, whether short-term or long-term. Suitable for backpacking, long stays and multi-country travel. There is no requirement to hold a return ticket at the time of purchase. Where a policy is longer than four months, temporary return visits to your home country are permitted in line with the policy terms.
Single Trip (IEC Canada):
This option is for travellers going to Canada on an International Experience Canada (IEC) visa (Working Holiday, Young Professionals or International Co-op). It is designed to meet IEC insurance requirements and should only be selected if you are travelling on an IEC visa. IEC visas are available to applicants aged 18–35, so this option is intended for travellers within that age range. If you are travelling to Canada but do not meet the IEC age criteria, please select the standard Single Trip option instead.
One Way Trip:
This option is suitable if you are emigrating to a new country where you intend to live permanently, or if you are returning to your home country on a permanent basis. Cover will end upon arrival at your final destination. Please note that there is no cover for emergency return travel expenses if you do not already hold an original return ticket.
Annual Multi-Trip:
This policy covers an unlimited number of trips within a 12-month period of insurance. Each individual trip has a maximum duration depending on the level of cover selected. For Standard policies, the maximum length of any single trip is 35 days, and for Premier policies the maximum length of any single trip is 90 days.
If you are already travelling, it is not possible to purchase an Annual Multi-Trip policy.
Geographical Areas
Europe:
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.
Australia & New Zealand:
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide excluding North America & Mexico:
(North America means the USA, Canada & Mexico.)
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide including North America & Mexico:
Worldwide means anywhere in the World including the USA, Canada & Mexico.
To
Automatic Trip Extension
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack.
Please ensure you arrange cover for the entire duration of your travel
Policy Duration Error
The maximum allowable policy duration is 731 days. Please adjust your travel dates to proceed.
Where you normally reside
Where do you normally reside? Where do you normally reside?
Please use the drop down box to choose your country of residence. Note we can only insure residents of the United Kingdom.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK Country and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad.
Do you have minimum residency requirements?
No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.
Age Restriction Error
We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.
Choose 35 or 90 Days Per Trip
Select the maximum duration that suits your travel plans. Choose cover for trips of up to 35 or up to 90 consecutive days, giving you the flexibility to enjoy anything from weekend breaks to longer holidays.
Europe or Worldwide Cover
Whether you're planning holidays in Europe or travelling further afield, you can choose the level of geographical cover that matches your plans for the year.
Adventure Activity Cover
From trekking and mountain biking to kayaking, climbing and hundreds of other activities, you can tailor your Annual Multi Trip Travel Insurance by adding the appropriate Activity Pack, so your policy matches the adventures you have planned throughout the year.
Buy Before You Travel
Annual Multi Trip Travel Insurance must be purchased before you leave the UK. If you've already started your journey, our Already Travelling Travel Insurance has been specifically designed for travellers who are already overseas.
Cancellation & Baggage
Cover
24 hour Emergency
Helpline
Up to £10m Medical
Cover
Claim while you're
Travelling
Annual Multi Trip Travel Insurance
If you're planning more than one holiday over the next 12 months, Annual Multi Trip Travel Insurance offers a convenient way to protect all your eligible trips under one policy. Instead of arranging travel insurance every time you book a holiday, you'll have cover in place whenever you're ready to travel.
Choose cover for trips of up to 35 or 90 consecutive days, with a choice of European or Worldwide cover to suit your travel plans. Whether you're taking weekend breaks, family holidays, cruises or business trips, Annual Multi Trip Travel Insurance gives you the flexibility to travel throughout the year.
Optional Winter Sports cover and Activity Packs are available if you're planning skiing, trekking or other adventure activities. Annual Multi Trip Travel Insurance must be purchased before you leave the UK. If you've already started your journey, our Already Travelling Travel Insurance is the appropriate option.
Key Features of the Annual Multi Trip Travel Insurance
- Unlimited trips within a year of up to 35 or 90 days per trip.
- Emergency medical and repatriation expenses up to £10 million.
- £350 dental cover.
- Personal liability of up to £2 million.
- Baggage & personal effects up to £2,000.
- Gadgets & valuables up to £6,000 (optional)
- Legal expenses up to £15,000.
- Personal money up to £500.
- Tickets up to £1,000.
- Over 156 sports & activities (optional).
- 14 or 35 days Winter Sports (optional).
- Passport and visa up to £300.
- Money-back 14-day cooling off period.
This Policy is not available if you are already travelling.
Some FAQ's:
There is no limit to the number of trips you can take during the 12-month policy period, provided each trip does not exceed the maximum trip duration you selected when purchasing your policy.
Depending on the option you choose, each individual trip can last up to 35 or 90 consecutive days. If you need cover for a longer continuous journey, a Single Trip Travel Insurance policy may be more suitable.
No. Annual Multi Trip Travel Insurance must be purchased before you leave the UK. If you've already started your journey, our Already Travelling Travel Insurance has been designed specifically for travellers who are already overseas.
Yes. Optional Winter Sports cover can be added when you purchase your policy, providing cover for a wide range of winter sports, depending on the level of cover selected.
Yes. You can add the appropriate Activity Pack to cover many adventure activities, including trekking, cycling, climbing, kayaking and hundreds of other sports and activities listed in the policy.
Yes. You can select either European or Worldwide cover when arranging your Annual Multi Trip Travel Insurance, depending on where you intend to travel during the policy year.
Annual Multi Trip Travel Insurance covers multiple holidays during a 12-month period, while Single Trip Travel Insurance covers one continuous journey. If you're planning several trips each year, an Annual Multi Trip policy is often the more convenient option.
Yes. If you've added the appropriate Activity Pack or Winter Sports cover, you can take part in the covered activities on any eligible trip during your Annual Multi Trip policy period, provided you comply with the policy terms and the activity requirements.
Yes. Optional Gadgets & Valuables cover can be added to your Annual Multi Trip Travel Insurance, helping protect items such as mobile phones, laptops, tablets, cameras and other eligible valuables while you're travelling. Cover is subject to the policy limits, terms and conditions set out in the policy wording.
Big Cat Travel Insurance is a trading name of Flynow.com Ltd (registration No.FRN 1022075) who is authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register at www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2026 Big Cat Travel Insurance Services. All rights reserved.
