Annual Multi-trip Policy
Also known as: Annual travel insurance, Multi-trip cover, Yearly policy, AMT policy
An annual multi-trip policy covers unlimited trips within a year, with a per-trip day limit.
Last updated: 2 April 2026
Real-world example
You travel 5 times a year for work and leisure. Single-trip policies at GBP 25 each would cost GBP 125 total. An annual multi-trip policy costs GBP 60 and covers all 5 trips plus any spontaneous weekends away. Each trip must be under 31 days (the standard per-trip limit). Your 6-week summer holiday exceeds the limit, so you need a separate single-trip policy for that one.
Why travellers need to know
Annual policies save money if you take 3 or more trips per year. The critical detail is the per-trip day limit: standard policies cap each trip at 31 days, premium at 45-90 days. Any trip exceeding this limit isn't covered. Digital nomads and long-term travellers usually need specialist long-stay policies rather than annual multi-trip. Also check geographical coverage: some annual policies exclude the US unless you pay a supplement.
Frequently asked questions
How Nomedic helps
Store your annual policy details, per-trip limits, and covered destinations in Nomedic so you can check coverage before any spontaneous booking.
Your health records, anywhere you go
Your annual cover details, ready for every trip.
Free to start. No credit card required.