Annual multi-trip travel insurance
Flexible annual travel insurance
Get one policy for a year of travel. With annual multi-trip travel insurance, you’ll be covered for every holiday – from short weekend escapes to long-haul adventures. Medical protection comes as standard, and 24/7 help is always just a call away.
Cover for most pre-existing medical conditions, tailored to your health needs- 24/7 medical emergency helpline, wherever you are in the world
- Cover up to age 85
What is annual multi-trip travel insurance?
Annual multi-trip travel insurance is one policy that covers you for multiple holidays within 12 months. It means you don’t need to buy separate cover every time you travel.
With this cover, you can take unlimited trips in a year (up to 183 days in total), with protection for cancellations, medical emergencies, lost baggage and more. For many people, it’s better value than buying several single trip policies.
What does annual travel insurance cover?
Your policy includes protection for multiple trips in a year, beginning from the date you choose. You’ll be covered for:
- cancelling or cutting your trip short
- travel delays and disruptions
- lost or stolen baggage, money or passports
- emergency medical treatment and repatriation abroad
- winter sports (2 trips up to 21 days combined, with a Comprehensive policy)
Most pre-existing medical conditions can also be covered if you declare them when getting your quote.
Built-in medical cover
Your medical needs shouldn’t stop you from exploring the world. If you have pre-existing conditions – like asthma, diabetes or high blood pressure – we can normally include them in your travel insurance.
When you get a quote, you’ll complete a short medical questionnaire so we can tailor your cover.
With Staysure, you’ll get:
- emergency medical and repatriation cover included as standard
- 24/7 medical emergency helpline, wherever you are in the world
- A discount on medical loading costs if you have private medical insurance with coverage when abroad of a minimum of €55.000
Even if you already have private medical insurance, it won’t cover trip cancellation, travel delay, missed departures or lost, stolen or damaged baggage. That’s where we step in.
Extras for year-round adventures
If you’re planning several trips a year, you can personalise your annual policy with optional extras that make travel even easier:
- Winter sports cover – built into Comprehensive annual policies, covering 2 trips for up to 21 days combined.
- Cruise cover – add this when buying if you’re heading to sea, with protection for medical care, missed ports, itinerary changes and more.
- Excess waiver – remove the standard policy excess so you won’t have to contribute towards approved claims.
- Single item cover – extra reassurance for valuables, with cover increased to €1,000 per item.
Trusted by travellers for over 20 years
More than 12 million people across the UK and Europe have chosen Staysure UK and Expat for their cover – earning us an Excellent rating on Trustpilot. Now, we’re proud to bring our award-winning travel insurance to Ireland.
Backed by Staysure UK
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More 5-star Trustpilot reviews than any other UK travel insurance provider.
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Excellent rating from over 390,000 UK customers.
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Voted Best Company for Travel Insurance at the British Travel Awards for 8 years running.
How to buy annual travel insurance online
Getting cover takes just a few minutes:
- Tell us about your plans – share your details and where you’re going.
- Choose your cover level – pick the policy that best suits your travel style.
- Add optional extras – like cruise cover, long stay protection, or winter sports.
- Get covered – your documents arrive by email so you’re ready to travel.
Easy claims, when you need us most
Our claims process is designed to be clear and supportive – so you know what to expect if something goes wrong on your trip.
- Friendly, expert claims teams are here to help.
- Clear step-by-step guidance on what information to provide.
- Quick, fair decisions and fast payouts on approved claims.
Many of our customers have shared how easy it was to make a claim – and we’re bringing that same care and reliability to Ireland.
Here’s what they’ve said about their experience:
- 1st class service and quick to pay claim
“Got sick on a trip to Thailand. Never made a claim in my life for anything but it was so easy when I got home. I spoke to them when I was in Thailand and they were very helpful. Claim paid out as expected. Highly recommended.” – Terry, Staysure Expat customer, Trustpilot review
- Superb, no hassle service.
“We are choosing Staysure again as we had to make a claim some years ago and there was no fuss whatever in getting our money back from treatment on a cruise ship. We wouldn't even consider another company.” – Donna, Staysure Expat customer, Trustpilot review
When should I buy my annual travel insurance?
An annual travel insurance policy gives you cancellation cover from the day it starts, so you’re protected straight away if your plans change.
Benefits of buying early
- Cover for cancellation begins on your chosen start date.
- Protection if you can’t travel due to illness, injury or other unforeseen circumstances.
- One policy for unlimited trips in a 12-month period – no need to keep buying separate cover.
With annual cover, every trip you take in the year is included, whether it’s a weekend away or a longer holiday abroad.
Cruise holidays
If you’re planning a cruise, you can add cruise cover up to 18 months ahead. Just add it to your annual policy before you buy.
What’s not covered?
Annual travel insurance protects you when things don’t go to plan – but some situations aren’t included. Your policy won’t cover:
- travel for planned medical procedures
- incidents linked to alcohol or controlled substances
- choosing not to travel
- pre-existing medical conditions not declared on your policy
- strike action known at the time of booking
Always check your policy documents so you understand what is and isn’t covered.