annual multi-trip insurance

Frequent flyer?

An annual multi-trip policy could be better value than buying single-trip insurance for every trip.

Save 20% when you buy online, compared to buying the equivalent policy over the phone 

If you're going away twice or more in a year, an annual multi-trip policy could work out to be better value than buying single trip Insurance for each holiday. You'll be covered for multiple trips worldwide over the year, and each stay can be as long as 45 days – and you can tailor the cover to suit your holiday.

Business cover is included in our standard cover (not Essentials) at no additional cost, for travel in connection with your business, trade or profession, so long as this doesn't involve any manual work.

  • Enhanced benefits for Members, including excess waiver and UK rehabilitation cover (standard cover only – not Essentials)*
  • Medical expenses up to £10 million
  • Emergency assistance available 24 hours a day, 365 days a year
  • Cover for multiple trips up to 45 days each
  • Special rates for couples and families
  • Financial Failure Holiday Protection included

You can add cover for existing medical conditions when you enter your details.

Policy documents

Travel insurance policy documents

Please read all of the information relating to your policy before you buy AA Travel Insurance.

Policies purchased from 5 November 2014

Policy wording

Policy summaries

FAQs

Travellers: general FAQs

Can I purchase AA Travel Insurance if I don't live in the UK?

No. The policy only covers UK residents, so non-UK residents are not covered. The UK is defined as England, Wales, Scotland, Northern Ireland and Isle of Man.

Do you have personal liability cover for holiday accommodation?

Personal liability cover is included for temporary rented holiday accommodation, but not if you own the overseas property, or you have the property on any other type of hire.

Is terrorism covered?

Terrorism is excluded from all sections except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy). If the terrorist act involves a nuclear device or a chemical or biological agent, there is no cover at all.

Are the benefits per person?

The benefits are per person unless stated otherwise. The personal liability benefit limit is per event, and the emergency car-hire limit is per party. In the personal possessions luggage, money and passport section, cover for tools, spare-parts kit, warning triangle, emergency windscreen and snow chains is per party. So is the cover for personal possessions left in a vehicle being recovered to the UK.

All other benefit limits are per person.

When does the delayed baggage benefit come into force?

If your baggage is delayed for more than 12 hours after your arrival overseas at your final destination, there is cover up to £200 to replace essential items of toiletries, medication and clothing.

If your property is lost permanently, any payment made under delayed baggage will be deducted from the eventual claim for loss, damage or theft.

Am I covered to work or study in Europe?

Paid manual work of any kind and professional entertaining are both excluded from policy cover. Study overseas can be covered but does not include any professional liability cover or any excluded activity.


Sports and activities

Is sailing covered as an activity?

Pleasure sailing is covered but only within internationally recognised territorial waters. These are excluded: ocean sailing, sailing in any international waters, or competitive sailing.

Is there cover for water sports?

There's no cover for motorboat or powerboat racing/rallying, nor for high diving or diving with sharks. There is no cover for any sub aqua activity below 30 metres; all underwater swimming is excluded unless you're a qualified diver who is diving accompanied, or you're diving with a qualified instructor.

Is cross-country skiing covered?

Pleasure skiing of this type is covered if the policy holder is accompanied by a qualified guide or instructor, but cross-country skiing isn't covered if it's competitive, or you (as policy holder) is skiing against local authoritative advice or warning.

Can we extend our winter sports cover beyond 17 days on annual multi-trip cover?

An annual multi-trip policy with the winter sports option includes up to 17 days of winter-sports activities during the period of insurance. This can't be extended, so if you'd like winter sports cover for a longer period, please buy single-trip cover.

What happens if I get hurt while skiing, and I haven't taken out winter sports cover?

You won't be covered for medical costs. Winter sports cover doesn't just add on the specific winter sports (see the policy booklet). It's excluded from all sections of the policy, unless your policy schedule shows that you've bought winter sports cover.

Do I need winter sports cover for hockey?

We don't cover ice hockey because it's an excluded activity. So is organised team hockey.


Your health

What if I'm not sure if my medical needs are covered?

If any of the conditions listed in the medical declaration on our website apply to you, we recommend that you call our team of advisers.

Am I fully covered if I had cancer two years ago?

If you have received treatment for cancer in the last two years, please ensure this is declared during your purchase to ensure the correct cover is applied. If in doubt, call us:
0800 912 5002
.


Do you cover angina?

Angina must be risk assessed for all destinations. If any of the conditions listed in the medical declaration on our website apply to you, call our team of advisers.

Financial Failure Holiday Protection

Financial Failure Holiday Protection is now included as standard in all of our travel insurance policies.

It covers the insolvency of any travel arrangements independently booked in the UK or Isle of Man (not forming part of an inclusive holiday) and not bonded or insured already. These arrangements would include:

  • scheduled airlines
  • hotels
  • car ferries
  • villas abroad and cottages in the UK
  • railway journeys including cross-channel services
  • coach journeys
  • cruises not bonded
  • car hire
  • caravan sites or campsites
  • mobile homes
  • camper rental
  • safaris
  • excursions
  • theme parks

If the insolvency occurs while you're on holiday, you can claim for additional costs which you have incurred, such as arranging replacement services, or the cost of returning home cutting your holiday short (curtailment) is unavoidable.

The Travel Insurance policy wording has full details.

How to claim

Contact us for your travel insurance claim

Policies starting from 5 November 2014

0330 1007 702

Lines are open Monday to Friday, 8am to 8pm.

Email AATravel.Claims@cignainsurance.co.uk

Don't forget to have your policy document and any other necessary documentation ready when you call.

One of our claims team will explain how to make a claim. We'll take as much information as possible from you, and give an indication of cover for your claim.

Medical emergency assistance
0044 (0) 208 7633 079

Lines are open 24 hours a day, 365 days a year.


What you need to do to make a claim

Do you need to cancel your holiday?
  • For medical reasons: make sure you see a doctor for them to confirm whether it's medically necessary. We can't consider your claim without this confirmation from your doctor.
  • For any other reason: you should cancel at the earliest possible opportunity. Cancellation charges increase the closer you get to the departure date for your holiday.

Call our Claims Team as soon as you can after cancelling – they'll be able to take you through what information is needed to claim and give you an indication of whether your circumstances are covered.


Do you need to curtail your holiday (come home early)?
  • Because of a medical condition: you should see a doctor. Get written confirmation of the reason they're advising you to return and why it's medically necessary. We won't be able to consider your claim without this.
  • Because of illness, injury or death of a close relative: we we'll need confirmation of their condition from their GP. We will also ask for clarification as to whether their health was stable at the time of booking your holiday and taking out your insurance.

Call our Claims Team as soon as you can after you return home – they'll be able to take you through what information is needed to claim, and give you an indication of whether your circumstances are covered.


Has something happened to your belongings or baggage?
  • If you suffer a theft on holiday you should report the matter to the local police and get a written report from them. A crime has been committed so you need to report it and we will ask for the written police report when you make your claim.
  • If you lose something while on holiday, consider where you may have lost in and anywhere it could have been handed in. Report it to any party or place where you think it might have gone missing and get a record in writing. This will help with your claim.
  • If anything happens to your luggage while it's checked in, you must report it to the airline and get a Property Irregularity Report (PIR). Try to do this while your airport or as soon as possible if you notice the problem after you've already left. If you want to claim from the airline directly, they may need you to follow up in writing within 7 days. You should check with them what their requirements are.
  • If your baggage is delayed on your outbound flight for more than 12 hours, we cover for your replacement of emergency items such as clothes, toiletries and medication up to the limit in the policy. You should retain the receipts for all of your purchases. This is because we only cover items where a receipt is provided.

Call our Claims Team as soon as you can after you return home – they'll be able to take you through what other information is needed to claim andtell you whether your circumstances are covered.


Have you lost your passport/essential travel documents?
  • If your passport or other essential travel documents are lost or stolen during your trip, you should report the matter to the police or consulate as soon as possible. You'll need proof of the incident to make your claim.
  • You should also get replacement or temporary documents as soon as possible, so you can return home without disruption to your plans.

Call our Claims Team as soon as you can after you return home – they'll be able to take you through what other information is needed to claim andtell you whether your circumstances are covered.


Have you had an accident or been taken ill abroad?

Call our Emergency Medical Helplineas soon as you can:

0044 (0) 20 8763 3079

Lines are open 24 hours a day, 365 days a year.

  • If you're looking for outpatient treatment only, you should call before you have the treatment. They'll be able to direct you to the best place for your care.
  • Keep all receipts, invoices and reports that you are given. These will help you when you come to submit your claim.
  • If public treatment is available you should be take this option for your treatment. If you are offered a choice between a public or private treatment and you opt for private treatment, we may not cover your claim.

Call our Claims Team as soon as you can after you return home. They'll be able to take you through what other information is needed for you to claim any out-of-pocket expenses you may have, and tell you whether your circumstances are covered.

Just so you know: your policy also provides a hospital benefit for any inpatient stay over 24 hours.


Did you experience a travel delay or enforced stay, travel disruption or missed departure?
  • Get confirmation of the reason and length of the disruption from the provider. We can't consider your claim without this.
  • If you're claiming additional costs rather than a fixed benefit, keep all receipts.

Call our Claims Team as soon as you can after you return home – they'll be able to take you through what other information is needed to claim, and tell you whether your circumstances are covered.


The information you need to make a claim

For all claims, you'll need an original booking invoice for your holiday showing dates of travel.

For other claims, you will need the information below:

Cancellation claims
  • Original booking invoices from tour operator and travel agent
  • Original cancellation invoices from tour operator and travel agent
  • For other pre-paid trip costs we will require proof of purchase, and where appropriate, confirmation of any refunds given
  • Proof of reason for cancellation when reason is not medical (for medical reasons we will send you a medical certificate for completion)
Curtailment claims
  • Original booking invoices from tour operator and travel agent
  • Documentary evidence showing the reason for cutting your trip short
  • Evidence of additional expenses incurred in getting you home early
Medical expenses
  • Original bills for all expenses claimed for
  • Medical report showing diagnosis of condition
Baggage loss or theft
  • Household insurance details
  • Property Irregularity Report (PIR) if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss.
  • Proof of ownership, such as receipts.
  • Repair report that confirms whether the item can be repaired or not and if so how much it will cost.
Delayed baggage
  • Household insurance details
  • Property Irregularity Report (PIR) if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss
  • Proof of ownership, such as receipts
  • A letter from the airline, or other proof that confirms the time and date the baggage was returned
  • Receipts for your emergency replacement purchases
Passport loss or theft
  • Household insurance details
  • PIR if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss
  • Proof of ownership, such as receipts
  • Receipt for the emergency passport
  • Evidence of travel and accommodation costs incurred in obtaining the emergency passport
Delayed departure/travel disruption
  • Evidence of the flight number, date and time of scheduled departure and actual date and time of departure
  • Proof of reason for delay
Missed departure/travel disruption
  • Proof of what caused the missed departure. For instance a public transport delay could be vehicle breakdown, strikes, etc
  • Original receipts for additional transport and accommodation costs incurred
Winter sports claims
  • For unused ski pack because of injury or illness: a letter from the treating doctor, confirming the diagnosis and that this prevented you from skiing/showboarding; evidence of your pre-paid pack costs and the intended dates of use
  • For piste closure: piste closure letter showing the dates and times on which the piste was closed and reason for this
Good to know

* To qualify for these additional member benefits, you must be an AA roadside assistance member at the time of purchasing the policy. These are not available for the Essentials level of cover.

AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority, and is registered in England and Wales number 4617110. Registered office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.

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0800 912 5002

Lines are open Monday to Friday 8am to 8pm, Saturday 8am to 7pm, Sunday 9am to 5pm

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