Annual Multi-Trip vs Single Trip Travel Insurance
Delve into the details to help you make an informed decision.
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Whether you’re a frequent flyer or someone planning one big far-flung trip, the choice between an Annual Multi-Trip and a Single Trip policy can have a significant impact on your cover, as well as your bottom line. Let’s delve into the details to help you make an informed decision.
What is Annual Multi-Trip?
Annual Multi-Trip travel insurance is designed for British globetrotters who embark on multiple journeys within a year. With this type of policy, you’re covered for an unlimited number of trips within a specified region during the policy period. It's a cost-effective and convenient option for those who travel frequently.
What are the benefits and considerations of Annual Multi-Trip?
Benefits:
- Cost-effective: Instead of purchasing a separate policy for each trip, you pay once for year-round coverage.
- Convenience: We get it. Travel insurance isn’t the most exciting part in planning a trip. Say goodbye to the hassle of arranging insurance every time you travel with Annual Multi-Trip.
- Kids go free: World Nomads Annual Multi-Trip policies offer free coverage for children under the age of 18 travelling with an adult, making year-round family travel more affordable.
- Domestic travel: Our Annual Multi-Trip policy offers cover for both international and (subject to some restrictions – check your policy wording for more information).
Considerations:
- Trip duration limits: Each trip is capped at a certain number of days (31 days with the Standard plan, 45 days with the Explorer plan).
- Initial cost: While cost-effective in the long run, the upfront payment may be higher than a Single Trip policy.
- Policy renewal and auto-renewal: Annual Multi-Trip policies do not auto-renew. You'll need to purchase a new policy each year, but don't worry we will write to you 28 days before expiry so you can get another quote. On the other hand, Single Trip policies expire after each journey, requiring a new purchase for any subsequent trips.
What is Single Trip travel insurance?
As the name suggests, Single Trip insurance provides coverage for a single journey. It's ideal for travellers embarking on one-off vacations or business trips outside their home country.
What are the benefits and considerations of Single Trip?
Benefits:
- Flexibility: Tailored coverage for a specific trip, allowing you to customize your policy based on the destination, duration and planned activities.
- Less restrictions on trip duration: Enjoy the freedom to choose the length of your trip without worrying about exceeding coverage limits. Single trip policies have a 365-day limit, but if you wish to continue your trip you can simply purchase a new policy.
- Simplicity: (depending on your travel plans of course). You only need to focus on the details of one trip at a time.
- Less commitment: If you’re an occasional traveller rather than a frequent flyer a Single Trip policy offers cover when you need it, without the commitment or expense of an Annual Multi-Trip policy.
Considerations:
- Potentially higher costs: While cheaper for a Single Trip, multiple Single Trip policies can add up to more than an Annual Multi-Trip policy over time.
- Need for repeated purchases: You'll need to buy a new policy for each trip.
- No cover for domestic travel: Single Trip policies do not have cover when travelling within the UK.
Other factors to consider when choosing a travel insurance policy:
Cover type: Annual Multi-Trip and Single Trip policies share some similarities, including benefits like trip cancellation, emergency medical expenses, and personal baggage cover. However, the limits and exclusions may vary between Standard and Explorer plans, so it’s essential to review the policy details carefully.
Trip duration: With Annual Multi-Trip insurance, each trip is typically limited to a specific number of days. Ensure the maximum trip duration aligns with your travel plans to avoid gaps in coverage. Single Trip policies offer more flexibility in trip duration.
Travel companions: With an Annual Multi-Trip policy your children (aged under 18), if named on the policy, will also be covered (for free) when travelling with another adult for the full duration (365 days). A Single Trip policy will also include free cover for your children. However, cover ends when the Single Trip policy expires.
Pre-existing medical conditions: Pre-existing medical conditions are not covered under either Annual Multi-Trip or Single Trip insurance policies. A pre-existing medical condition is defined as any medical or dental condition, or related complication that has required or is awaiting medical advice, diagnosis, treatment, prescribed medication, consultations, check-ups, surgery, tests or investigations in the 180 days before you buy or extend your policy or book your trip (whichever you do last).
This is a summary only. It does not include all terms, conditions, limitations and exclusions of the plans described. Please refer to the actual plans for complete details of cover and exclusions.
Get a quote today for either an Annual Multi-Trip or Single Trip insurance policy.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
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- Baggage
- And more (depending on your country of residence)
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Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
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Contact the teamHow Travel Insurance Can Help in the Event of an Emergency
If an emergency situation evolves while you’re overseas, here’s how World Nomads can help.
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Traveling comes with unexpected challenges that can turn moments of joy into times of stress. When circumstances change, the emotional toll can be significant. Understanding the help available to you and your loved ones can help ease anxiety.
This article is for all our travelers facing urgent situations while abroad – be it a medical emergency, a sudden family crisis back home, or unforeseen incidents like theft.
Important first step: if you’ve found yourself in an emergency, call our 24/7 Emergency Team immediately so we can confirm your benefits and oversee your care.
- What should I do if I’m caught in a natural disaster while traveling?
- What should I do if I have a medical emergency while traveling?
- What should I do if I have an emergency and need to go back home?
- What should I do if there’s a criminal or terrorism emergency while traveling?
- What else is covered by travel insurance?
- How to submit a travel insurance claim
- What are some things travel insurance would not cover in an emergency?
- Tips for staying safe in an emergency
What should I do if I’m caught in a natural disaster while traveling?
If a natural disaster strikes while you're traveling with World Nomads travel insurance, first ensure your safety and follow any instructions given by local authorities. Once you are safe, contact our emergency team so we can assist.
You're covered for various natural disasters, including earthquakes, floods, and hurricanes so long as the event happens before you bought your policy (you won’t be covered for a known event). This coverage helps manage unexpected changes, like emergency accommodation or rearranging travel plans if your flights are cancelled or delayed. There are certain restrictions though and coverage is limited to your policy limits. You can read more about this here.
Keep all receipts and documents related to any extra expenses or changes to your itinerary – you’ll need them to make your online claim.
Traveler tip: we won’t cover you for any expenses relating to natural disasters should you decide to travel to, remain in, or plan a journey to a region that has issued a 'Do Not Travel' warning. Keep an eye on the latest government advice for any travel alerts.
What should I do if I have a medical emergency while traveling?
Medical emergencies can be scary, especially in unfamiliar places. If you face a medical emergency, suddenly fall ill, have an accident while overseas, or someone on your policy passes away while traveling, follow these steps:
- Seek immediate help: your health is our priority. Call local emergency services to receive any necessary medical attention.
- Contact our 24/7 Emergency Assistance team: we’re here to help you navigate these challenging moments.
- Follow professional advice: Adhere to the medical professionals’ guidance. We can coordinate directly with them to ensure you receive the international medical care you require, including emergency evacuation and repatriation if required.
- Keep documentation: save all medical reports, receipts, and relevant documentation – these are essential for processing your claim. Learn about what happens if you are missing something.
- Stay in touch: keep us updated on your situation. If your condition changes, it’s crucial we know.
What if a medical emergency happens at home before you leave? Read our articles on what to do if you can’t travel because someone at home is sick or injured and travel insurance for cancellation.
Refer to your policy documents or contact us for further clarification – we’re here to help.
What should I do if I have an emergency and need to go back home?
World Nomads understands the stress in an event where you need to make a sudden trip home. Here's what to do for support:
- Contact our team: reach out to our emergency assistance team immediately.
- Check your coverage: review your trip interruption coverage details to understand what costs your policy can cover in case of family emergencies.
- Organize your travel: need a last-minute flight home? Our team can guide you through the process to ensure it aligns with your insurance benefits.
- Document everything: keep all relevant receipts and documents from your travel changes. For guidance on claims, check our detailed article on how to make a claim.
- Stay Informed: keep communication lines open with your family and our assistance team to adjust your travel plans as the situation develops.
- Manage your accommodation: take care of overseas accommodation by cancelling bookings or notifying landlords. Note: expenses won’t be reimbursed if you haven't made reasonable efforts to cancel or obtain refunds.
What should I do if there’s a criminal or terrorism emergency while traveling?
If you experience the unsettling event of a criminal or terrorism incident during your travels, here’s how World Nomads travel insurance supports you:
- Your safety is paramount: if you’re in danger, seek a safe location immediately. For emergencies, contact local authorities for assistance.
- Contact our team: once you are safe, inform our 24/7 Emergency Assistance Team. Translators are available in dozens of languages, if that could help you situation.
- Review your coverage: learn about travel insurance and terrorism to understand the specifics of your coverage related to criminal or terrorism incidents.
- Stay informed and follow official guidance: stay updated with local news and travel advisories from your home country’s foreign affairs department. Adhere to all advice and directives from local and international security services. Be sure to also check our travel alerts for recent events.
- Document everything: collect and safeguard all relevant documentation, such as police reports and receipts for expenses incurred. These are crucial for any potential insurance claims.
What else is covered by travel insurance?
Beyond immediate emergencies, World Nomads travel insurance coverage includes various scenarios depending on your level of coverage. Coverage includes:
- Lost or stolen luggage
- Delayed baggage
- Emergency evacuation
- Unexpected airline issues, including flight delays
- 150 + adventure sports and activities
How to submit a travel insurance claim
Once you're safe, you should submit a claim. Gather all relevant documentation (medical reports, receipts, police reports, etc.) and submit the claim online, wherever you are in the world.
Still trying to figure out the process? Check out our step-by-step guide explaining how to make a claim or contact us.
What are some things travel insurance would not cover in an emergency?
Travel insurance supports your journey but excludes specific scenarios:
- Foreseeable events: no coverage is provided for predictable events announced through media or official channels before your travel commenced or your policy was issued.
- Non-essential costs: unnecessary, unreasonable, or extravagant expenses are not covered.
- Failure to follow the law: you’re not covered if you disregard laws or fail to take reasonable precautions following public warnings of disasters, terrorist acts, or other emergencies.
- Reckless behaviour: coverage does not extend to incidents where your safety is compromised through deliberate recklessness, including being under the influence of drugs or alcohol.
- Voluntary plan changes: if you choose to alter your travel plans without necessity, the change is on your chequebook, not ours.
Tips for staying safe in an emergency
- Stay informed and prepared: continually monitor local news for updates and have an emergency plan with key contacts and routes.
- Carry essential supplies: keep hardcover copies of important documents, a basic first aid kit, and a portable charger handy.
- Know emergency contacts: memorize local emergency numbers and the location of your embassy or consulate.
- Avoid risk areas: steer clear of known dangerous areas and heed travel advisories and warnings.
- Stay calm and use common sense: try to stay calm and think things through in an emergency. It’s okay to feel scared, but staying clear-headed can help you handle the situation better.
- For more emergency safety tips, check out our Travel Wiser article.
Traveling soon? Get a travel insurance quote.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the teamTravel insurance for participating in team sport
Headed overseas to play in a team sport? You should consider a World Nomads travel insurance policy. Our policies are designed to safeguard your trip, so all you have to worry about is focusing on your game.
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- Why consider travel insurance for team sports?
- Does World Nomads travel insurance offer cover for other team activities I might want to do on my trip?
- What else is covered by travel insurance?
- What are some things trip insurance does not cover?
- Tips for doing team sports safely
Why consider travel insurance for team sports?
Whether you’re headed to the UK to play cricket, the USA for ultimate frisbee, or somewhere in between for an entirely different team sport, travel insurance can be just as valuable when you’re traveling to play sports as it can be for your annual overseas vacations.
No matter where you’re headed or which team sports you’re planning to participate in, you should consider travel insurance — because plans go awry and mishaps can happen.
World Nomads Travel Insurance offers coverage for a number of team sports and adventure activities. Let's break down what this means for you:
- Cover for bags and valuables: when you arrive to your destination ready to play but your gear doesn’t. Our baggage travel insurance may be able to help replace necessary items, clothing, and other personal belongings.
- Cover for medical evacuation: cover for when you become injured or unwell and can’t participate in the team sport and need to be evacuated to a medical facility, or in the worst case scenario, back to your home country. Emergency evacuation coverage isn’t just for adventure-seekers who need adventure travel insurance; it’s also helpful for those contact sports and other team activities you might want to participate in while overseas.
- Repatriation back home: If you're declared medically unfit to continue your travels or in the unfortunate event of your passing, cover is available for your repatriation back home. This is subject to the reasonable recommendation of a medical practitioner appointed by us, ensuring that transportation is medically necessary and appropriate.
- Cover for the whole family: when you plan to bring the whole family overseas with you. When you have to be overseas for an extended period to play sport, it helps to know that if your family comes with you, our travel insurance may help with cover for your loved ones.
Does World Nomads travel insurance offer cover for other team activities I might want to do on my trip?
Absolutely. World Nomads offers cover for more than 150 activities, sports and experiences under our Standard and Explorer plans, from solo pursuits to team activities, such as:
- Baseball
- Basketball
- Cricket
- Fencing
- Football
- Hockey
- Tennis
- Ultimate frisbee
- Volleyball
- Ice Hockey
- Pickleball
- And a heap more team sports.
Note: Not all team activities, sports, and experiences are covered under every travel insurance plan. Cover will depend on your Country of Residence and on the plan you have chosen. For example, some snow activities require a specific plan or upgrade to be selected when you purchase with World Nomads.
It’s always a good idea to read your policy wording carefully so you understand exactly what you’re covered for. And if you’re unsure, get in touch and we can help answer any questions you might have about travel insurance for team sports and other activities.
What else is covered by travel insurance?
Playing sport comes with its share of risk, but not all accidents or calamities happen on the field — or court, or ice-rink for that matter. Other times travel insurance may come in handy include:
- A canceled trip: If you have no choice but to cancel your trip due to illness, injury, or any other unforeseen event covered under your policy, we may be able to help recoup the cost of things like your unused, non-refundable, pre paid accommodation, tours and flights.
- A natural disaster: From tsunamis to volcanic eruptions, earthquakes to floods— natural disasters can take many forms. And there’s no shortage of ways they can spoil travel plans, closing airports, delaying flights, wiping out accommodation, and closing off entire towns. Check out our natural disaster coverage article to find out how travel insurance can help when nature goes rogue.
- Cover for stolen baggage and gear: Whether you arrive to your destination, but your bags and sports gear don’t, your gear is damaged en-route, or you’re the victim of theft, we may be able to help. If your sports gear gets lost or stolen report it to your carrier or police ASAP, then get in touch with the 24/7 Emergency Assistance team who can help.
- Overseas medical emergencies: Sports injuries are common. If you become injured while participating in team sports activities, we may be able to help with things like locating a doctor or hospital, medical bills, and medical evacuation. Depending on your Country of Residence, World Nomads also offers coronavirus cover for a range of coronavirus-related events.
What plans and options do you offer?
World Nomads offers two travel insurance plans: a Standard Plan and an Explorer Plan, each one has their own benefits, limits, and sub-limits of coverage. Our Explorer Plan offers higher benefit limits and/or sub-limits.
You can compare our Standard and Explorer plans and prices through getting an instant online quote.
Note: both our travel insurance plans are different, and cover varies, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.
What are some things trip insurance does not cover?
Because travel insurance isn’t designed to cover everything, there are certain things we may not cover, such as:
- If you simply change your mind and decide not to go .
- If you don’t adhere to the recommendations of the Emergency Assistance team. Failure to do so or refusing repatriation home may result in limitations to your cover.
- Participation in a sport or activity that is not covered under your policy (check your policy wording carefully).
- Loss or theft of your bags or gear when they’re left unattended.
- If you’re participating in a sport or activity professionally.
This is not an exhaustive list. For the full details of what is and isn’t covered, read over your policy wording carefully.
What to do in case of an emergency
If you're involved in an accident, suffer a sudden illness, serious injury, or unfortunately, in the event of your passing overseas, contact the 24/7 Emergency Assistance team as soon as possible.
They're available 24/7 to provide guidance and support. The team will assist in arranging emergency medical transport, directing you to the nearest appropriate medical facility, or organizing your repatriation back home for medical reasons if and when required.
Please note that not reaching out to the Emergency Assistance team may result in limitations or reductions in your cover, and please be aware that waiting periods may apply, so don't hesitate to get in touch.
Tips for doing team sports safely
Regardless which team sport you’re partial to, safety should be your primary concern. You might find these tips helpful when planning your team sports holiday:
- Know your health and fitness limits: You may have played soccer since you were in school, or been physically active in other ways since, but it’s important to always exercise within your own capabilities. Consider your fitness levels and plan your sports and other activities accordingly.
- Safety gear: Always wear appropriate safety gear when participating in any sport or activity — because heading out on a cricket field without your cup, for example, is not going to end well.
- Keep your sports gear and other bags and items with you: Leaving your things unattended makes them a prime target for light fingers and swift snatching. Don’t make things easier for thieves.
Get a quote 24/7
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Buy while abroad
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Need to know more?
Get in touch and we can help answer any questions you might have about travel insurance for team sports.
By understanding your rights, responsibilities, and the extent of coverage, you can travel with confidence, knowing that you're backed by a reliable safety net in times of need. Stay safe, and happy travels!
Travel insurance doesn't cover everything. All of the information we provide is a brief summary. It does not include all terms, conditions, limitations, exclusions and termination provisions of the plans described. Coverage may not be the same or available for residents of all countries, states or provinces. Please carefully read your policy wording for a full description of coverage.
True Claims Stories
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Been working hard for your trip?
We'll work hard to protect it.
Trip Protection
- Unexpectedly hospitalised?
- Travel buddy unfit to travel?
- Been made redundant?
We’ve got your back.
Emergency Medical Expenses
Feeling fit and healthy? What if you get sick or injured?
Take the pain out of medical or dental costs.
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transportation
Know where the nearest hospital is?
Don’t stress, we’ll get you there quickly.
Evacuation and Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medivac home?
Help starts here.
Protect your gear
Love photography, filming or sport?
Cover your bags, tech or gear.
Protect your gear
- Luggage lost?
- Airline lost your gear?
- Tech trashed?
Help starts here.
- Emergency Overseas Medical & Dental Expenses
- Emergency Medical Evacuation & Repatriation
- Trip Cancellation or Interruption
- 24-Hour Assistance Services
- Baggage
- And more (depending on your country of residence)
24/7 emergency assistance
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Contact the team
