Multi-Trip Travel Insurance – Get the Cheapest Price Today

Multi-trip travel insurance is becoming more and more popular with Irish people, as they take more holidays abroad from family sun holidays to city breaks.

Travel insurance should be considered strongly by anyone holidaying abroad. Annual multi-trip insurance allows you to buy travel insurance for multiple trips over a year.

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Why Get Multi-Trip Travel Insurance?

If you take multiple holidays per year, then it makes sense to get a multi-trip travel insurance policy.

You will save money when compared to taking out separate, policies for each trip.

This covers you for all the trips you make in the space of a year as long as each trip is under a certain number of days. You can insure yourself, your partner or your family.

As a result, you should consider taking out a policy when you are planning your trip.

Types of Multi-trip Policies

When selecting a multi-trip policy make sure you have cover for the jurisdiction and activities you plan on doing.

For instance, if you are going to the United States make sure you have an annual multi-trip insurance policy that covers the US.

Typically insurance companies offer two coverage types:

  1. Within the EU
  2. Worldwide

Additional travel Insurance Cover for  Certain Activities

If you are skiing, be sure to have winter sports coverage etc.

This is usually an add-on to your basic policy. Therefore, it is important to be aware of this.

Travel Insurance

Travel insurance gives you peace of mind when travelling abroad. We have all heard stories of friends who lose their baggage or get injured from an accident when abroad.

As a result, taking out a travel insurance policy covers you from such incidents and helps prevent your holiday from becoming a nightmare.

Travel Insurance FAQs

For more information on Travel Insurance check out our Travel Insurance overview.

Insurance Ireland provides answers to many frequently asked questions.

In conclusion, multi-trip travel insurance is a great option for people to take multiple trips over a twelve month period.

Why travel insurance is an essential…

With more and more people taking flights, cruises and train trips, it makes sense to buy travel insurance to protect you from a range of risks associated with travel. Travel insurance usually provides cover for six broad categories of risk: medical expenses, personal liability, personal accident, cancellation and curtailment, delayed and missed departures, and money and belongings. If you travel frequently, you will be better off buying a 12-month multi-travel policy rather than a single trip policy.

Medical expenses are the main reason for buying travel insurance. If you become ill or are injured while you are away, you will be covered for hospital bills (in-patient or out-patient); cost of prescribed medications; cost of a close relative or friend staying behind to look after you; being returned home for treatment, including by air ambulance; cost of your burial abroad or the cost of bringing your remains home in the event of death. You are advised to buy a policy that provides minimum medical cover of €1m, especially since you may require prolonged hospital care abroad.

Cancellation or curtailment of your trip due to circumstances beyond your control is another good reason for buying travel insurance. In the event of a delayed departure, you will need to get documentation from the carrier confirming the details of the delay. Similarly, if you miss your departure, you will need written proof that you missed your departure for reasons beyond your control, as specified in the policy. Examples include a sudden delay or cancellation on the public transport system taking you to the airport. Don’t forget to keep copies of receipts and any other relevant documentation to support your claim.

Travel insurance covers loss, damage or delayed arrival of your personal possessions, loss or theft of money, and replacing a lost or stolen passport. If you are robbed while away, you must report the loss to the local police within 24 hours and get written evidence of the report. You may also need to report the incident to your hotel and/or tour operator. If your baggage is delayed or is lost, keep your tickets and the baggage tags, which are usually stuck onto your ticket by the carrier as proof of your checked baggage. Remember to ask for a copy of the written report from the carrier regarding the loss/delay of your luggage.

Your policy covers your legal expenses and personal liability cover in the event of you injuring a third party or damaging their property as a result of an accident. Your policy also includes a fixed payment if you suffer permanent disability or death while travelling.

When you buy travel insurance, you will be given a 24-hour emergency help-line number. Keep this number handy when you are away, together with a copy of your policy. Call the emergency number as quickly as possible, particularly if you need hospital treatment.

Because your policy may have a time limit for the making of claims, remember to submit any claim covered by your travel insurance as soon as you can after you return home.