Unlike single trip insurance, multi trip insurance is for those that travel a lot in the year and it generally refers to people who take more than three trips in a 12 month period. It also works out a lot cheaper than single trip insurance and saves time because you don’t need to file a new insurance claim every single time you go away- just renew it every year and you’re good to go! This is also quite useful for those who are prone to having to organise insurance last minute due to forgetting or going on last minute trips- if you suddenly have to go away on business it gives you peace of mind to know that the insurance is taken care of all ready and it’s one less thing to panic about in the rush.
The insurance usually covers trips of up to 31 days long, but these can be extended to up to 60 days for an additional cost. If you’re away for any longer than that it would be worth looking at long stay travel insurance designed for those who live or work abroad for long periods of time. Long stay insurance covers you for up to 12 months and even includes cover for if you want to nip home at any point and has extras such as free insurance for children if you want to take your family along with you. With both of the policies you have the opportunity to add sports cover at a small extra cost and all the basics such as baggage cover and flight cancellation insurance is included as standard.
If you’re wanting to travel to more than one country in one trip, long stay cover is your best option, but if- rather than going on business- you’re taking a gap year or going backpacking it is worth looking at backpackers insurance instead which gives all the perks of long stag insurance and multi trip insurance, but also gives you added protection against loss of possessions and injury and assistance with cash. As usual, shopping around will ensure you get the best deal and taking your time to investigate the different policies and the offers they have will pay off in the long run.