Annual multi-trip travel insurance with Aviva
What is annual multi-trip travel insurance?
Annual multi-trip travel insurance brings all your travel plans under one annual policy, making it ideal for people who travel more than once a year. Rather than arranging single-trip cover for every holiday, your cover remains in place throughout the policy year.
How does multi-trip insurance work?
Enjoy the convenience of having travel insurance in place all year round, without needing to take out cover every time you travel. Your policy provides cover for multiple trips throughout the policy year, with each trip covered for up to 31 consecutive days.
Whether you're planning holidays, weekend city breaks, or visits to family and friends, annual travel insurance offers a convenient way to stay protected throughout the year. Cover is available for both individuals and families travelling within Ireland, across Europe and destinations worldwide. Multi-trip cover protects against unexpected and unforeseen events, subject to the terms, conditions and exclusions of your policy.
Why choose multi-trip travel insurance?
Multi-trip travel insurance is designed for people who travel more than once a year. Instead of arranging cover every time you book a holiday, one annual policy can provide protection across trips throughout the year. Whether you're planning a family holiday, a weekend city break or several trips abroad, you'll have cover in place before you travel.
Good to know
- If you're unable to return home as planned because of illness, injury or certain travel disruptions that are covered by the policy, we'll automatically extend your cover where applicable.
- To be eligible for cover, you must be permanently resident in Ireland and your trip must begin and end in the Republic of Ireland.
- If you decide your policy isn't right for you, you may cancel within the cooling-off period, provided no trip has taken place and no claim has been made. Full terms are set out in the policy document.
- Important trip limits: up to 31 days per trip.
- There is no cover for events that were known, or that you could reasonably have been expected to know about, before you booked your trip or bought your insurance.
What does multi trip insurance cover?
Multi-trip travel insurance can help protect you against some of the unexpected costs that may arise before or during your trip, from medical emergencies abroad to travel disruption and lost belongings.
Cancellation and travel disruption
Receive up to €3,000 for trip cancellation or curtailment (cutting your trip short). This includes cover if you can't travel due to infectious illness or quarantine, plus travel delay benefits of up to €150.
Medical and health cover
Cover of up to €5 million for emergency medical treatment if you become ill or injured while travelling. If you declare private medical insurance for treatment abroad, it must remain in place throughout the policy period.
Baggage and personal belongings
If your baggage is delayed, misplaced or damaged, you can use up to €200 towards essential purchases and up to €1,500 cover for your personal belongings.
Personal accidents and liability
Benefit from up to €30,000 in Personal Accident cover and up to €2,500,000 in Personal Liability cover, helping protect you if you're injured or accidentally cause injury to someone else or damage to their property while travelling.
Missed departure
If circumstances outside your control cause you to miss your scheduled departure, we'll help with the additional travel costs covered under your policy.
Emergency travel documents
Cover for certain additional costs if your passport or travel documents are lost or stolen during your trip.
Lost or stolen money
Protection for loss or theft of cash while you're travelling, subject to policy limits and conditions.
Hospital stays
If you're admitted to hospital during your trip, additional benefits may apply under your policy.
Optional extras
Enhance your travel insurance with optional extras designed for more adventurous trips, including winter sports insurance and scuba diving cover.
Policy excess
A €90 excess applies to selected claims, including cancellation, medical expenses and personal property.
Get a multi trip travel insurance quote
If you've booked, or are planning to book, multiple trips over the next calendar year, multi trip cover could be your best option. Get a quick quote in just a few steps
1. Fill in your details such as your name and email address.
2. Enter your travel details and choose ‘Multi trip’.
3. Enter traveller details, such as whether you hold private medical insurance.
4. Your personalised quote will be ready to view.
You can then add optional cover such as winter sports and scuba diving to your quote.
Worldwide multi-trip insurance options
Whatever way your travel calendar takes shape, having the right cover for your destination can make all the difference. Aviva's annual multi-trip policy gives you the flexibility to choose the cover to match your travel plans whether you are travelling in Ireland, Europe or Worldwide.
Multi trips within Europe
Planning multriple tirps across Europe this year? The European Health Insurance Card (EHIC) may help with access to state healthcare in participating countries, but it does not replace travel insurance. Any declared private medical insurance must remain in place for the duration of the policy.
Multi trips worldwide excluding USA
If your travel plans include multiple long-haul holidays throughout the year, this option provides annual cover for eligible trips Worldwide excluding USA & Canada geographical area.
Multi trips worldwide including USA
If multiple international trips are on your agenda this year, this option provides year-round cover for eligible travel worldwide, including the USA and Canada. If you're planning a trip to the USA, healthcare costs can be significantly higher than in other countries, so it's important to choose the right cover for your trip.
Multi trips within Ireland
This option can provide cover for multiple eligible holidays within the Republic of Ireland throughout your policy year, all under one annual policy. Trips within the Republic of Ireland are covered when you have at least two consecutive nights in pre-booked holiday accommodation.
Policy important information
- Before taking out annual multi-trip travel insurance, it's important to understand the key limits, excesses and exclusions that may apply to your cover.
- Annual multi-trip policies are designed to cover multiple trips throughout the policy year. Each individual trip must not exceed 31 consecutive days, with a maximum of 90 days' cover in total during the insured period.
- A standard €90 excess applies per person, per claim for selected sections of cover, including cancellation, medical expenses and personal property claims. The excess is the amount you contribute towards the cost of a claim.
- Certain exclusions and limitations apply, for example, there is no cover for known events, destinations where official travel advice recommends not to travel, certain business travel activities, and claims arising from medical conditions that were not disclosed or were incorrectly declared when purchasing the policy.
- Where cover has been arranged on the basis that private medical insurance is in place, that cover should remain active throughout the policy period.
Please refer to your policy documentation for full details.
Travel advice for frequent travellers
Regular travel often means keeping track of different destinations, requirements and plans throughout the year. A few simple preparations before you travel can help ensure a smoother journey from start to finish.
The Department of Foreign Affairs (DFA)
If you're travelling regularly throughout the year, it's important to check the latest Department of Foreign Affairs travel advice before every trip. Entry requirements, local regulations and safety information can change between visits, even for destinations you're familiar with. If you are unsure about your destination, contact the DFA directly.
Important documents to bring with you? (Passport, Insurance, EHIC (Europe Only))
Frequent travellers can benefit from keeping key travel documents readily accessible throughout the year. Before each trip, make sure you have:
- A valid passport.
- Access to your travel insurance details through MyAviva.
- The medical emergency contact number saved: +44 20 8137 3648.
Where applicable, bring your European Health Insurance Card (EHIC) when travelling within Europe.
What to do in a medical emergency in Ireland or abroad?
If you become ill or injured while travelling, seek medical assistance as soon as possible and keep records of any treatment received. If your annual multi-trip policy includes multiple trips throughout the year, it's worth keeping copies of travel and medical documents for each journey in case you need to make a claim.
Medical emergency: when to notify Aviva?
Whether you're on your first or fifth trip of the year, contact the Medical Emergency Assistance Helpline on +44 20 8137 3648 as soon as possible if you experience a medical emergency abroad. The cost of the service is covered under Aviva’s travel insurance (depending on your cover type), and it can help coordinate treatment, hospital admissions and return travel arrangements where required.
Multi trip travel insurance FAQs
Have questions about annual multi trip travel insurance? Here are some quick answers on how your cover works across multiple trips.
Bookings & Flexibility
How many trips can I book with multi trip travel insurance?
Can I book trips at the last minute with multi trip travel insurance?
Cover & Destinations
Am I covered if I travel to different countries on separate trips?
What if one trip is longer than the allowed trip duration?
Can I add extras for specific trips during the year?
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Policy documents
Good to know: If you change your mind, you can cancel your policy at any time. If you cancel within 14 days of purchase and have not travelled or made a claim, you may receive a full refund subject to the policy conditions. Different cancellation terms apply after this period.