Travel with confidence

Annual multi-trip travel insurance

JustCover yourself with our annual multi-trip travel insurance.

Take unlimited trips throughout the year within your chosen region - get cover for trips to Europe, Worldwide excluding the USA, Canada, Mexico and the Caribbean or Worldwide.

Unlimited trips for a year

24/7 emergency medical assistance

Cover for cancellation, delays and lost baggage

Rated "Excellent"

Trusted for 20+ years

What is annual multi-trip travel insurance and why do you need it?

This is a policy that suits people travelling more than once a year.

Travel insurance covers you for a range of unforeseen events that could impact or even ruin your holiday.

Always check your policy wording for limits. Different policy levels will offer different cover amounts for everything from medical expenses to lost baggage. 


And with our annual multi-trip insurance, we’ve made it as easy as possible to use. 


  • It’s hassle free - after you buy your cover, you don’t have to think about it again until you need it or you renew. All your trips are covered. 

  • It’s customisable - just add on cover for anything extra you need, when you need it. If you take a cruise, travel to a different region, or need to add an extra medical condition, you can do it at any time. Just call us or follow the steps online. 

  • It’s reliable - call our 24/7 medical emergency line any time of the day or night to speak to a person who can help you.

What does JustCover’s annual multi-trip insurance cover?

There are a range of add ons and levels of cover you can choose from. This helps keep costs competitive and gets you cover for what you really need.

What's covered

Emergency medical expenses

Cancellation and having to cut your trip short

Your baggage

Travel delays and missed departure

Personal liability

Over 100 sports and leisure activities, with optional upgrades for extreme and winter sports

Over 1300 pre-existing medical conditions

What's not covered

You can take unlimited trips, but each trip has a maximum length - usually between 31 and 60 days.

Any undeclared pre-existing conditions

Most claims will have a travel insurance excess. You’re not covered for claims which are less than the amount of your excess.

Choose the right level of cover

We offer different levels of cover to make your travel Insurance as cost-effective as possible.

Black

Cover Highlights
Medical and repatriation
Unlimited
Cancellation / Curtailment
10,000
Personal Belongings
3,000
Excess
0

Gold

Cover Highlights
Medical and repatriation
15,000,000
Cancellation / Curtailment
7,500
Personal Belongings
2,500
Excess
50

Silver

Cover Highlights
Medical and repatriation
10,000,000
Cancellation / Curtailment
5,000
Personal Belongings
2,000
Excess
60

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Find the best annual multi-trip travel insurance for your travels

The Irish Times identified annual policies as a cost-effective option for families and frequent travellers, while the Department for Foreign Affairs recommends everyone should have some kind of insurance before they travel.

Build your own policy with JustCover. Choose cover levels and add ons that get you the best cover: 


Choose your cover

Medical travel insurance

Travelling with pre-existing medical conditions? Relax with cover for over 1,300 conditions.

Single trip travel insurance

Cover a one-off trip to your chosen destination.

Seniors travel insurance

With no upper age limit, your age shouldn't be a barrier to seeing the world.

Cruise travel insurance

Protection for missed port departure, cabin confinement, itinerary changes and more.

Travel insurance

Get cover for your trip with excellent customer service and a 24 hour emergency number.

Family travel insurance

If you're travelling together, why not get covered together too? One policy for the whole family.

JustCover’s annual travel insurance for pre-existing medical conditions

You must declare all pre-existing conditions before you travel - if you don’t declare them your cover may be invalidated.


We cover many medical conditions, including:

What customers like you are saying...

Good comparative cover

Quick and easy to book and competitive in price. It's nice to know you have a sound backing if we need it . We have used just cover for the last 3 years . Thank goodness we didn't need to use it

William Thompson

May, 2024

Concise and clear, easy to purchase

Website well laid out and informative, easy to purchase, concise and clear

Les

May, 2024

Very happy with response very quick and…

Very happy with response very quick and efficient thank you

Mary Briody

May 18, 2024

Fast renewal

No issues, easy to manoeuvre on the website to change information.

Breda

May, 2024

I put in the wrong dates for my…

I put in the wrong dates for my insurance requirements. sent email asking to change dates.  even though late in the evening received response very quickly. sorting problem. 😊

Joseph Ridgeway

May 8, 2024

Get a quote, you may be surprised.

I have been reviewing travel insurance policies in advance of my next annual travel renewal. For me, JustCover was the most competitively priced with similar values in each of the main categories.

Peter

October 2024

The whole process from beginning to end…

The whole process from beginning to end was easy and quick. Simple, clear to the point questions and clear information regarding cover. Good value in terms of cost.

Michael

October 2024

I have been using JustCover for many years.

I have been using JustCover for many years and find the product offered, ease of using the site and good value for money makes it my go-to travel insurance.

David

October 2024

Ease of contact and prompt responses

Ease of contact and prompt responses. A really great company to deal with. I have used their products for many years

John

October 2024

It was quick and easy

It was quick and easy - not filling in loads of pages as I have done previously with other providers. No fuss. Will use in the future. Many thanks

Geraldine

October 2024

Painless and efficient renewal process

Clear, easy to follow directions for renewal. Speedy and efficient service. Receipt and policy delivered without delay.

Martin

October 2024

A simple 3-step process to book your annual multi trip travel insurance

Step One

Get your quote online or by phone. Our travel experts are happy to take your call if you want a little support during the quote.

Step Two

Complete our simple medical screening. You need to declare any medical conditions you have.

Step Three

Get your quote.

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Portrait photo of Carmel Gorby Operations Director for JustCover
“Annual travel insurance is a great option if you travel abroad more than twice a year. If you have family abroad or a long list of places you want to visit, those trips can add up. It can be more cost effective and less hassle to get one policy for the whole year. You get all the cover benefits  - including cancellation cover, emergency medical expense cover and over 100 sports and leisure activities - for as many trips as you take, without having to fill in the details every time.”
Carmel Gorby - Operations Director, JustCover

Frequently asked questions about annual multi-trip insurance

How does annual travel insurance work?

When you take out an annual travel insurance policy, you’re covered for all the trips you take in one year. We know plans can change over the course of a year. If you take the policy out you can upgrade it if your plans change - you can add extra regions, gadget cover and winter sports cover, or add cruise cover, at any time.

Is it better to get yearly travel insurance?

It can be more cost effective if you travel abroad two or more times. It can also reduce the hassle if you need to take another trip unexpectedly, or just don’t want to deal with the admin of multiple insurance quotes per year.

How much is annual travel insurance?

Your final price depends on where you’re going, your personal circumstances and the level of cover you choose. We can get you a tailored quote today - just give us a call or enquire online.

When should you buy your multi-trip insurance policy?

Your cover starts from the dates you select. If you’ve booked cancellation cover, that starts from when you buy your policy.

So we recommend buying a policy as soon as you know you’re travelling, even if you choose it to start later. 

Do I need annual insurance if I have a EHIC card?

Yes you do.

The Department for Foreign Affairs recommends getting travel insurance even with a EHIC card. You should absolutely apply for one if you’re travelling within Europe, but you should also still get travel insurance.

The EHIC card doesn’t cover:

  • Destinations outside Europe.
  • Your EHIC won’t cover private healthcare. Only state facilities accept the card.
  • Repatriation (flying you home from abroad), if medically necessary.
  • Things like mountain rescue services if you’re injured in a ski accident, for example.
  • Some treatment and prescriptions.
  • Personal expenses related to medical disruption, such as delaying your flights or extra nights in a hotel to recuperate.

Find out more about the EHIC card.

Can you get annual multi-trip insurance for groups?

Yes, our annual cover is available for groups of up to 10 people.

Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

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Affordable travel insurance for all your needs