Home Insurance Travel Insurance Annual Multi-Trip Travel Insurance Annual multi-trip travel insurance Nothing quite beats the excitement of going on holiday and packing your bags and researching your destination are all part of the thrill. Unfortunately, no matter how much you prepare, things don’t always go to plan. Whether it’s visiting friends, a couple of weeks relaxation or seeing the sights on a cruise, we believe nothing should stop you enjoying your well-earned holiday. With the right travel insurance, you don’t need to worry about covering costs if there’s a spanner in the works, allowing you to focus on having fun. Get a quote What is annual travel insurance? A multi-trip travel insurance policy lasts for one year, so you can enjoy as many trips abroad (up to 31 days per trip as standard) as you like within a 12-month period without having to worry about your insurance. Most policies cover a variety of eventualities, including illness and injury, and cancelling your holiday or coming home early. Is annual travel insurance right for me? Got lots of holidays coming up in the next year? Or do you take regular trips to visit a loved one? If you’re a frequent traveller, multi-trip travel insurance is designed for you. Annual multi-trip travel insurance can be cheaper and easier than taking out multiple single trip policies, making it popular with regular holiday makers and business travellers. What is covered by annual travel insurance with M&S Bank? We all expect different things from our travel experiences, and we all have different budgets. That’s why M&S Bank offers flexible insurance policies that can be tailored to you. Our annual travel insurance policy can cover: Cancelling or coming home early Emergency medical and other expenses Personal money, passport and documents Travel disruption protection Up to £2million personal liability Legal expenses and assistance For an additional premium, you can add cover for your belongings and winter sports to your annual trip policy. You’re automatically covered for up to 31 days for each trip you take within the year. This can be extended to 45, 60 or 90 days for longer holidays. Cover in relation to Covid-19: Cover for cancellation if you are prevented from travelling because you have tested positive for Covid-19 Cover for cancellation if you are advised to self-isolate, preventing you from travelling Cover for cancellation if you are prevented from travelling due to local lockdown restrictions in the UK* Cover for cancellation and abandonment if in the 31 days before travelling, or while you’re away, the FCDO advise against travelling to your destination* Cover for additional travel and accommodation costs if you unexpectedly have to quarantine or self-isolate due to catching Covid-19 or being in close contact with someone who has Covid-19 while on a trip* Cover for medical treatment if you catch Covid-19 while on a trip** Sport and activity cover Enjoy an activity packed holiday? Good news: annual travel insurance from M&S Bank covers a variety of sports and activities as standard, so in case of any mishaps, you can rest assured that costs are covered provided the conditions associated with each of the activities are met. All we ask is that you take reasonable precautions to protect yourself against mishaps by using the safety equipment and following any instructions provided. There are some activities which aren’t covered, these include: Training for, or taking part in a race, competition or tournament Professional sports participation You can find a full list in the excluded activities section of the M&S Travel Insurance policy document. To view the full list of activities that can be covered and to find out what conditions apply to each activity, read the M&S Travel Insurance policy document. If skiing is your thing, multi-trip travel insurance from M&S Bank also offers optional winter sports cover. Winter sports cover offers protection for things such as ski equipment damage, delays caused by an avalanche or a lost lift pass. Winter sports cover comes at an additional premium but allows you to fully embrace the slopes. Winter sports cover includes: Loss or theft of ski equipment, personal or hired Piste closure Lost lift pass Ski pack Avalanche or landslide M&S Travel Insurance does not provide cover for: Any event, circumstances or incident you knew about (or were reasonably expected to know about) at the time you booked your trip or purchased your policy (whichever is later). Costs which are recoverable from your travel and/or accommodation provider/agent, your debit/credit card provider, PayPal, ABTA, ATOL or similar. Travelling against Foreign Commonwealth and Development Office (FCDO) advice. This includes advice or measures put in place by governments and local authorities in the UK or abroad. Looking for a quote? Getting a multi-trip travel insurance quote is quick and easy; we only need a few details, and you can apply straightaway. Get a quote for M&S Travel Insurance M&S Travel Insurance is underwritten by Aviva Insurance Limited. Annual multi-trip travel has an age limit of under 80. Terms and conditions * Provided the travel restrictions including FCDO advisories and quarantine requirements were not in place when you booked your trip or purchased your policy (whichever is later) and these restrictions were not in place when you travelled. ** Provided you have not travelled against FCDO advice. Existing travel insurance customer information Instant help Ask our Virtual Assistant Important documents M&S Travel Insurance Product Information Document M&S Travel Insurance Policy Booklet M&S Travel Insurance Summary of Cover limits You may require Adobe PDF reader to view PDF documents. Download Adobe Reader FAQs How do I make a claim? If you need to make a claim and your policy number begins 820, please call us on 0330 024 6848 as soon as possible. Lines are open 8am–6pm Monday to Friday and 9am–5pm Saturday. If your policy number begins MTV, please call us on 0800 051 4780 to make a claim. If you are overseas and need to make a claim, please call +44 1603 603 783. Lines are open 24 hours a day, 7 days a week. Please have your policy number to hand when you call. What's a policy excess? This is the amount of money you have to pay if you make a claim. M&S Travel Insurance has an excess of £100 per person per claim and you can choose to reduce the excess to £50 which will increase your premium. Are there any charges to change or cancel my policy? To make sure that you have the right cover in place, please let us know of any changes during the annual policy term. We do not make any charges for mid term changes. If you cancel your policy within 14 days of receiving your policy documentation we will refund all premiums paid provided you have not travelled or made a claim, and there has been no incident which may result in a claim being raised. If you wish to cancel the policy after the 14 days then there will be no cancellation charge and no refund of premium will be made. Will I have to declare any medical conditions? You need to tell us if you, or anyone else on your policy, have had any illness, injury or disease within the last 12 months where they have: Been prescribed medication and/or Received or are awaiting, medical treatment, tests or investigations and/or Been referred to, or had a follow up with, a specialist and/or Been admitted to hospital or had surgery You may also want to Find out more about single trip travel insurance View exchange rates for M&S Travel Money Get a car insurance quote Get a pet insurance quote Get a home insurance quote M&S Bank official page on Facebook M&S Bank official page on Twitter Internet Banking M&S Banking App Products M&S Credit Card M&S Personal loans M&S Club Rewards M&S Car Insurance M&S Pet Insurance M&S Travel Insurance M&S Home Insurance M&S Travel Money M&S Savings and Investments About us Contact us Find a Bureau Service status Careers Sitemap Legal Legal info M&S Bank Privacy Notice Cookie notice Accessibility This website is designed for use in the United Kingdom (UK) Cookies on this website We use cookies to help ensure that our website and services are able to function properly. 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