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Travel insurance that meets your needs

Millions of travelers rely on Travel Guard® travel insurance from AIG UAE, to help them recover from unexpected circumstances that can interrupt their travel plans. Travel Guard® is a comprehensive insurance plan that caters to travelers worldwide.

Platinum Plan

Silver plan.

Our most comprehensive travel insurance plan going above and beyond Schengen visa requirements.

• Up to $500,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $250,000
• Baggage Loss or Damage up to $2,500
• Trip Cancellation up to $5,000
• Up to $1,000 in Travel Delay Cover
• Emergency Family Travel up to $2,500
• Secure Wallet up to $1,000 in Credit Card Fraud
• 24h Worldwide Assistance Services

Our most popular travel insurance plan covering Schengen visa requirements.

• Up to $100,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $100,000
• Baggage Loss or Damage up to $1,000
• Trip Cancellation up to $2,500
• Up to $500 in Travel Delay Cover
• Secure Wallet up to $500 in Credit Card Fraud

Our basic travel insurance plan covering Schengen Visa requirements.

• Up to $50,000 Emergency Medical Expenses
• COVID-19 Medical Expenses up to $50,000

Why AIG Travel Guard ® ?

Schengen Visa Compliant

All our three travel Insurance plans (Silver, Gold & Platinum) are Schengen Visa Compliant.

Exceptional Price Tag

Whether you are heading near or far, our annual & single trip covers comes at an affordable price letting you get on with your holiday.

Cover Plans To Suit You

AIG offer 3 types of Travel insurance cover plans with optional additions to ensure that we have a policy to match your needs.

Covid-19 Covered

• COVID-19 Medical Expenses up to $250,000 under Platinum plan
• COVID-19 Medical Expenses up to$100,000 under Gold plan
• COVID-19 Medical Expenses up to$50,000 under Silver plan.
• USD 150 per day, per person for up to 14 consecutive days if you test positive for COVID-19 and are unexpectedly placed into mandatory quarantine while overseas.

Enjoy a worry-free holiday with a comprehensive travel insurance from AIG UAE

Pick up a travel policy and explore more with our fantastic cover that provides a range of benefits.

Get Your Travel Insurance in Dubai, Abu Dhabi & The Rest of Emirates Online From AIG UAE

24/7 worldwide support.

Whenever you need us, our 24/7 emergency assistance helpline are here to help as standard.

Get your Travel Insurance online in 4 easy steps

Provide trip information

Enter details about the trip.

Select the preferred plan

Choose the Silver, Gold or Platinum plan.

Fill out personal details

Provide personal information about the traveller.

Review & Pay

Pay online, and the system will successfully issue the policy.

What is AIG Travel Insurance?

AIG Travel Insurance is insurance that is designed to protect your health, belongings and the cost of your trip should anything go wrong while you are abroad or in some cases before you leave.

Travel Guard FAQs

What is travel guard.

Travel Guard is a travel insurance product, underwritten by American Home Assurance Co (Dubai Branch) a subsidiary of American International Group, Inc (AIG). Travel Guard provides coverage in case of unforeseen circumstances that may force you to cancel or shorten your trip or seek emergency medical treatment while traveling. Your travel insurance also offers coverage for the loss or delay of your baggage, in addition to many other benefits described in the policy, which you can review before making your purchase. All coverage is subject to the policy terms and conditions.

How do I buy a Travel Guard policy?

You can buy a Travel Guard policy via  www.aig.ae .

Who is eligible to be covered under a Travel Guard policy?

Individuals in the age bracket from 3 months to 74 years and 364 days who are residents or citizens the United Arab Emirates.

Is there a special rate for children?

Yes. There is a 50% reduction on standard rates for a person aged between 3 months and 17 years and 364 days.

Does the Travel Guard policy cover a family traveling together? How is family defined?

Yes. There is a family rate under the Travel Guard policy. Family is defined as insured person, his/her spouse, and unlimited number of their children.

What is the Annual Multi Trip option?

The Annual Multi Trip option covers you for one-year period for unlimited number of trips, but each trip should not exceed 90 days.

Who do I contact for an emergency assistance or if I need to be admitted to a hospital while overseas?

For 24-hour emergency assistance or if you need to be admitted to a hospital, please contact  +1 (817) 826 7276  and quote your policy number.

Can I amend my policy?

Yes, the Travel Guard policy can be amended in special cases, but amendment can only be made prior to the departure of the first part of the journey.

Do I have to carry a copy of my certificate of insurance with me while traveling?

No, you don't need to carry a copy of your certificate of insurance with you. All you need is your policy number which can be found on your certificate of insurance.

What do I do if I lose my certificate of insurance?

Please  Click here  to download your certificate of insurance.

When does my coverage begin?

For Trip Cancellation:

• For a single trip policy, cover starts at the time that you book the trip or pay the premium, whichever is later;
• For an  annual multi trip policy  cover starts at the time you book a trip, or the effective date shown on the certificate of insurance, whichever is later.

For other benefits, coverage begins when you leave your country of residence. The initial departure point has to be from the United Arab Emirates.

How will my out-patient medical expenses be paid ?

The medical expenses incurred will be reimbursed to you subject to policy T&Cs. Please retain all original medical bills/invoices, medical reports, and laboratory tests (if applicable) and submit them as part of your claim.

Does the Travel Guard policy cover sports and other similar activities?

Travel Guard policy offers an optional coverage for hazardous & winter sports with 100% loading on standard rates.

Can I cancel my trip for any reason and get all my money back under the “Trip Cancellation” Benefit?

The Trip Cancellation Benefit provides coverage for specific reasons as described in your policy terms and conditions and reason for cancellation should be amongst those reasons for the claim to be covered.

Can I buy a Travel Guard policy, if I have a pre-existing medical condition?

Yes. However, Travel Guard policy has an exclusion for pre-existing medical conditions as detailed in the policy wording.

Does “Baggage & Personal Effects” benefit cover theft?

Yes, Travel Guard policy covers theft (and damage due to an attempted theft) as long as incidence occurs while travelling outside of your country of residence and within the period of insurance as stated in your certificate of insurance. Please refer to the Terms & Conditions of the Travel Guard policy to know more on this benefit.

How do I report a claim?

You can submit your claim online by clicking  here

Alternatively, you can contact our local office with the below contact details:

How long is the claim processing time?

Claims will be processed within 7 working days after you have submitted all the required documentation.

Can I cancel my Travel Guard policy?

Yes, provided it is before the policy effective date as stated in your certificate of insurance and there is no claim registered under your policy.

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Travel Insurance

Top 5 reasons to buy travel insurance

• Lost, damaged or stolen luggage. Whatever the case, it can often be expensive to replace the contents in your case.
• Missed trip due to illness of injury. If someone on the trip happens to get sick and you have to cancel or leave early, you could lose the full cost of the trip. Without insurance, in many cases it will be hard to get reimbursement.
• Work gets in the way. Work can get in the way more often then we'd like to admit. Having the right travel insurance is a way to protect your trip if you have to reschedule for a work-related reason.
• Hospital cover.  Health insurance usually will not apply in a foreign country when you are traveling. And this cost can add up depending on where you have travelled to! The right travel insurance can help cover you if disaster strikes.
• Emergency airlifts. For more adventurous trips you may need to think about travel insurance for emergency cover. For example, if you need to be flown to airlifted from danger, helicopter transport can be a substantial cost that the right travel insurance may cover.

How we save you money on your insurance?

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Fill in our short form and get live home insurance quotes from leading insurance providers in Dubai and the UAE.

If you find a home insurance policy that’s right for you, use our secure checkout to immediately buy online.

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Travel Insurance to the UAE

Travel insurance for the united arab emirates doesn’t have to be complicated.

Travel Insurance for the United Arab Emirates doesn’t have to be complicated The UAE is also known as the United Arab Emirates or the Emirate and is made up of seven breath-taking emirates; Abu Dhabi, Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah and Fujairah.

Exploring the Emirates

Based on the eastern coast of the Arabian Peninsula, the largest city in the UAE is Dubai, a popular destination for British tourists and home to the world’s tallest and most modern architecture. A year-round destination, there’s no surprise Dubai has been declared as the world’s most popular tourist destination of 2022 and was named on Tripadvisor’s Travellers’ Choice Awards for 2022s Best of the Best Destinations. However, other regions in the UAE also offer unique attractions: Abu Dhabi is famous for its luxurious resorts and cultural landmarks like the Sheikh Zayed Mosque, while Sharjah is known for its rich cultural heritage. Al Ain, the “Garden City,” offers green landscapes and historical sites, and Fujairah is renowned for its historical mosques and natural beauty.

The Importance of UAE Travel Insurance

No matter where you choose to visit in the UAE, one thing you’ll need to have in place is your UAE Travel Insurance. We’ll compare multiple insurers for you to find the best policy at the right price – there’s no age limit, and cover for pre-existing medical conditions.

Popular Destinations

Before you take flight, here are our Top Travel Tips for the United Arab Emirates

The culture in UAE is very different to that of the UK. At Just Travel Cover we have set out our top travel tips to make sure you have a safe and memorable holiday to the United Arab Emirates.

There’s more to UAE than Dubai and skyscrapers than skyscrapers

Go for the luxury, but stay for the culture. There’s more to the UAE than excessive spending and modern architecture. The country is a combination of new and old, urban and rural. Make time to explore both. From the opulent Sheikh Zayed Mosque in Abu Dhabi and the cultural heritage of Sharjah to the green landscapes of Al Ain and the historical depths of Fujairah, there’s a world to explore in the UAE. Explore the adventurous Ras al-Khaimah or relax on the serene beaches of Umm al-Quwain. Each emirate in the UAE brings its unique blend of luxury and tradition. The UAE has it all.

Public signs of affection are frowned upon in the UAE. This includes kissing, hugging, and everything in between. These acts are classified as more than just socially unacceptable, but illegal and can lead to an arrest. This applies to both married and unmarried couples.

Respect the sun

Summer in the UAE runs from May until October. The summer months average 45°C. Air conditioning provides relief in the towering skyscrapers of Dubai, Abu Dhabi, and other emirates. However, outdoor activities like beach visits require A LOT of sunscreen and hydration. Be careful, take precautions, and make sure you have suitable Travel Insurance for UAE should anything go wrong.

Appreciate the culture

The westernisation of the UAE only goes so far; its roots remain deeply traditional and conservative, with a predominantly Muslim population. It is important to understand the customs and traditions of the UAE before travelling there. Familiarise yourself with the country and make a conscious effort to learn about its people and their traditions.

Shop til’ you drop

The UAE, particularly Dubai, is renowned as a haven for retail therapy. Tourists worldwide visit to indulge in its lavish lifestyle. Beyond Dubai, other emirates also offer unique shopping experiences. From gold and diamonds to luxury items, electronics, and traditional spices, the UAE’s shopping scene is a treasure trove for everything from opulent to authentic and traditional items.

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Home » List of Top 10 Travel Insurance Companies in UAE

List of Top 10 Travel Insurance Companies in UAE

Written by Kritika

If you are someone who travels a lot, whether for work or for leisure, then it is time to consider taking travel insurance. Many travelers and expats think that buying travel insurance in the UAE is not beneficial. But that’s not true. From whichever part of the world you are, if you are traveling to a new destination, you should take a travel insurance plan. Travel insurance companies in UAE smoothly facilitate the process of obtaining coverage tailored to your needs and destination, providing peace of mind during your travels.

What is travel insurance?

Travel insurance is an agreement between the insurer and the insurance service provider wherein the insurance company protects the individual from unforeseen circumstances during travel.

It is not mandatory for you to get travel insurance to and from the UAE, but for your own safety it is recommended that you take the best travel insurance plan.

Best travel insurance companies in the UAE

 These are the top 10 travel insurance companies in the UAE that offer some amazing plans –

Allianz Travel Insurance

Allianz Insurance, a subsidiary of Allianz care is one of the leading insurance companies in the world. If you are looking for comprehensive and robust travel insurance plans in the UAE, then Allianz Travel Insurance would be a great choice. Different types of travel insurance plans are provided by the company –

• Schengen Travel Insurance
• Global Travel Insurance
• Inbound Travel Insurance UAE
• Annual Multi-Trip

Barring the exceptions of certain countries, Allianz Travel Insurance is accepted the world over.

The inclusions are –

• Accidental death coverage
• Trip cancellation coverage
• Trip inconvenience benefits – travel delay, missed departure, trip cancellation
• Medical related benefits  
• Personal liability coverage
• Worldwide coverage
• Emergency family travel coverage
• Maximum duration per trip – 90 days

Get a Quote Now!

AIG Travel Insurance

AIG Insurance has an experience of more than 100 years and it is a reckoned name in the industry. A lot of people know AIG Insurance for their health and car insurance, but their travel insurance plans are also top-notch. The plans are provided under the name – Travel Guard. The plans offer worldwide coverage and various benefits to help you travel hassle free.

Types of AIG travel insurance plans

Currently there are three travel insurance plans by AIG –

• Platinum Plan: The plan provides the maximum benefits including medical bills, legal expenses, and so on
• Gold Plan: You can avail of medical expenses and travel inconvenience coverage with this plan
• Silver Plan: AIG travel guard silver plans cover solely emergency medical expenses

With an easy claim process, highly dedicated team of experts, essential coverage, and affordable premium, AIG travel insurance is the leading choice of people.

Sukoon Travel Insurance

Formerly known as Oman Insurance, Sukoon Insurance is one of the biggest insurance providers in the Middle East. Their health insurance plans are the most sought-after. But you might not know that Sukoon travel insurance plans are also great value for money and offer complete coverage.

All the travel insurance plans offered by Sukoon Insurance are Schengen compliant, and provide coverage for single and multiple trips, with the policy tenure extending up to one year in some cases. Two of their most popular travel insurance plans are –

• Travel Easy – This can further be divided into different kinds of plans like Elite Plan, Ultimate Plan, Family Plan, Annual Family Plan, and Annual Individual Plan. All these travel insurance plans come with a packed list of covers to protect your finances and belongings while traveling.
• Visitor Health – Explicitly designed for visitors in the UAE, this travel plan offers coverage for accidental death, emergency medical expenses, repatriation of mortal remains, and more. You can purchase the plan for up to 90 days.

Get Covered for Peace of Mind!

Orient Travel Insurance

Next on the list of best travel insurance companies in the UAE is Orient Travel Insurance. It has been in the UAE for more than three decades and the service has been impeccable. The company offers comprehensive travel insurance plans covering inbound and outbound travel insurance plans with excellent coverage that includes baggage delays, loss of personal belongings, repatriation of mortal remains, and more.

There are three kinds of plans offered by the company –

• Travel Outbound : Designed for UAE residents traveling outside the UAE
• Travel Inbound: Specifically for travelers visiting the UAE
• Annual Multi-Trip Cover: Under outbound travel insurance, Orient provides a single trip cover of up to 92 days. However, it also offers the annual multi-trip option for any number of trips throughout the policy if none of the trips exceeds 92 days. 

All Orient travel insurance plans are Schengen visa compliant. This allows users to visit any Schengen country they prefer and enjoy the trip, with the travel insurance plan aligning with their budget and requirements.

Adamjee Travel Insurance

Whenever we list the best travel insurance companies in the UAE, we cannot miss Adamjee Insurance. They have been a leading name in the Middle-East for insurance since more than three decades. Adamjee Travel Insurance plans are divided into the following main groups –

• Individual international insurance plans

GoSecure Delight, GoSecure Bliss, Secure Plus, GoSecure Care, and Schengen Active are the plans offered by Adamjee under travel insurance. You can opt for any of the plans as an individual or family plan.

• Student travel insurance plans

There are three types of standard travel insurance plans – student delight, student basic, and student bliss. All student insurance plans come with the option of tuition fee coverage.

• Hajj, umrah, and ziarat plans 

These plans are specifically designed for travelers willing to take trips to Hajj, Umrah, and Ziarat during the year. You can take the annual trip cover for both individuals and families.

With so many plans available, travelers can choose the best option suiting their needs and also customize the trip duration coverage. The other features include – easy claims process, worldwide coverage, all-inclusive coverage including – personal accident cover, travel inconvenience, loss of passport and baggage, trip delay etc.

Plan Your Adventure Safely!

AXA Travel Insurance

AXA Insurance is now known as GIG Insurance. They are a renowned insurance provider not just in the UAE, but the world over. GIG provides a vast network of hospitals supporting all your financial requirements. Travelers can receive cashless facilities, thereby avoiding the hassles of the claim process. 

Some of the main travel insurance plans offered by the company are –

• Inbound Travel
• Inbound Travel Plus
• Travel Schengen
• Travel Smart
• Travel Family

The main inclusions in their travel insurance plans are –

• Emergency dental care
• Personal liability cover
• Terrorism extension (optional)
• Delayed baggage and departure cover
• Loss of passport cover
• Emergency medical transportation

AXA travel insurance provides COVID-19 coverage including all the emergency costs associated with COVID-19.

HDFC Ergo is one of the best insurance companies in the world. If you are looking for the best travel insurance online in UAE, go through the multiple plans offered by the company. The main features are – health check-up requirement, COVID – 19 coverage, 25 Schengen countries and 18 other countries covered.

• Emergency medical expenses
• Hospital daily cash allowance
• Medical and body repatriation
• Accidental death
• Personal liability
• Hijack distress allowance
• Medical evacuation
• Financial assistance allowance
• Flight delay, passport loss, and baggage delay
• Emergency dental expenses

Emirates Travel Insurance

With almost 60 years of experience, Emirates Insurance has become one of the most popular names in the insurance industry. Emirates travel insurance is renowned for its services, with customer service being available 24×7 to help customers in their time of need. The best part about their plans is the flexibility, which means that users can modify their travel insurance online. There are three types of travel insurance plans offered by Emirates Insurance –

• Basic Europe Travel Insurance Plan – Covers all European and Schengen countries
• Travel Insurance Plan – All countries barring the USA and Canada covered
• Travel Worldwide Insurance Plan – Worldwide coverage

 The inclusions are –

• Passport assistance coverage
• Winter sports and golf add-ons available
• Personal accident cover
• Personal liability and legal expenses covered

Explore Insurance Options!

RSA Travel Insurance

RSA Insurance is one of the world’s oldest insurance companies and it is loved by many across the Middle East, especially the UAE. The people of UAE trust this brand and the company has carved a niche for itself. The travel insurance plans offered by RSA offer a wide range of benefits with comprehensive coverage and a relatively high age limit for purchasing the plans.

Types of travel insurance plans by RSA Insurance

There are three types of travel insurance plans available – 

• Executive Travel Insurance Plan
• Holiday Travel Insurance Plan
• Schengen Travel Insurance Plan

RSA offers easy online and offline claim travel insurance plans that can help customers seek the required assistance as per their requirements. The inclusions of the plans are –

• Dependent child protection
• Legal expenses covered
• Hijack coverage
• Funeral benefits
• Accidental death or permanent disability
• Coverage for pet care
• Emergency telephone charges 

Union Travel Insurance

Union Insurance was established in 1998 and ever since there has been no looking back. It has become one of the most reputed travel insurance companies in the UAE. Whether you are traveling for work or leisure, do consider the comprehensive travel insurance plans by Union Insurance.

There are three different types of plans available –

• Silver Travel Insurance Plan: The standard travel insurance plan provides coverage for emergency medical expenses and other non-medical related issues
• Gold Travel Insurance Plan: Along with medical expenses cover, it covers transportation & accommodation expenses, travel delay, trip cancellation, personal belongings, and so on.
• Platinum Travel Insurance Plan: Platinum plans offer maximum coverage for your travels among all the categories here. Medical expenses, travel delays, and trip cancellations are all covered under this plan (along with a higher reimbursement rate).

They also offer tailor-made insurance products that cater to both corporates and individuals. The claims process is really simple and hassle free. You can get in touch with their dedicated claims settlement team for any assistance.

Some of the inclusions are –

• Emergency family travel
• Trip cancellation
• Accidental death cover
• Dental expenses coverage
• Transportation and accommodation expenses coverage
• Funeral expenses coverage 

Travel Securely with Us!

Best Travel insurance companies in UAE with BuyAnyInsurance

Get the best travel insurance online with BuyAnyInsurance . Visit the website, compare different plans and get quotes online, pay using any convenient online payment method, and get your travel insurance policy delivered to your inbox in just 60 minutes.

Author Bio: –

Kritika Manchanda is a content writer with BuyAnyIsurance. She has more than a decade of experience of churning out SEO friendly content. When she is not writing, she is either reading, or making travel plans.

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Travelling abroad to a foreign land entails a degree of risk in terms of any unforeseen events, but Travel Insurance policies, can assure you to enjoy your trip with peace of mind by providing cover to protect your investment you make in travel plans. This is like any other insurance plan as it protects you from additional expenses due to hospitalization, trip cancellation, Luggage Loss or other incidental expenses.

Dubai National Insurance (DNI), has teamed up with professional providers to assist you in getting the right cover for your global travel protection.

An Online Travel Insurance policy provides you with compensation in certain cases, including trip cancellation that also covers flight delay or cancellation and medical expenses.

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Travel insurance can protect your investment you make in travel plans. This is like any other insurance plan as it protects you from additional expenses due to trip cancellation & Luggage Loss.

Provide travel details to DNI like Date of Travel, Destination, Period of Travel & Date of Birth, cover will commence only when this application has been accepted and premium received

Any resident or citizen of the United Arab Emirates, who is 70 years of age or younger.

It is possible to get travel insurance until the day before you plan to travel.

Travel Insurance covers conventional non-working holidays, or business trips that do not involve manual labor. This coverage is not available to people leaving their country of residence permanently.

It is not necessary that your medical or life policy will provide you with adequate travel protection. You should check these policies before you travel to assess just how you would be covered in case you have an emergency.

Health insurance plans do not cover your expenses directly when you are in a foreign country and they may also have deductibles and won't cover the cost of emergency medical transportation unless you have optionally selected the extra cover.

Europe Assistance Medical Emergency : +44 1444 442020 Travel Assistance : +44 1444 442030 Europe Assist Code : 09ISI

Medical expenses:  In the event of sudden illness or injury of the insured person outside the usual country of residence, insured has to call the Europe Assistance prior to his admission. Assistance will guarantee the direct payment subject to any deductible.

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• 24/7 Emergency Medical Assistance, wherever you are
• You could save time and money

Annual Travel Insurance covers you for selected countries and destinations for one year. You choose your preferred cover region, and you’re covered for any trip within that region throughout the year.

This type of insurance can cover all pre-existing medical conditions , too, allowing you to travel with complete peace of mind.

What is Annual Multi-trip Travel Insurance – and why do you need it?

Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year.

Research from Which? found that Annual Multi-trip Travel Insurance often offers better value than buying separate Single Trip Travel Insurance policies, especially if you’re planning two or more trips annually. 

With this type of insurance, you’re continuously protected against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, providing peace of mind throughout a twelve-month period.

• Hassle free : Cover for all your getaways with one annual policy instead of arranging new insurance each time you travel
• You could save time and money: If you’re taking multiple trips, you may find Annual Travel Insurance cheaper than buying a new policy every time. Opting for annual cover could save you money and time by protecting multiple trips under one policy
• Easy to renew cover : You can renew your Annual Multi-trip Insurance each year, making sure you have the same continuous cover for all your trips. You only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have another 12 months of hassle-free travel.

What does AllClear’s Annual Multi-trip Travel Insurance cover?

Annual Multi-trip Travel Insurance provides a wide range of benefits for your trips in the year. From emergency medical cover across different countries to cancellation and curtailment should you encounter unexpected circumstances during your trips.

What’s covered?

• Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
• Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
• Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
• Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
• Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday

What’s not covered?

• Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
• Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
• Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Find the best Annual Multi-trip Travel Insurance for your travels

Annual Multi-trip Insurance may be a more cost-effective option if you plan to take several trips in a year. According to independent research by the Evening Standard , the more you travel every year, the better value an annual policy can be.

We can help you find the best Annual Multi-trip Insurance for your travels:

• Choosing your cover area : Choose from UK trips , European destinations , or worldwide cover , including options for USA, Canada, Mexico, and the Caribbean.
• Cost considerations : When determining the price of your policy, factors such as your age , destination, pre-existing conditions , and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
• Cruise cover inclusions : If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
• Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf or winter sports , we have options to tailor your policy to your travel style

AllClear’s Annual Travel Insurance for pre-existing medical conditions

As a specialist Medical Travel Insurance provider , our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. We can cover over 1,300 different conditions, and we can help cover yours too.

If you have a pre-existing medical condition, you must declare this before travelling. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.

Below are just a few of the common conditions we provide cover for:

• Heart conditions
• High blood pressure
• Multiple sclerosis
• Crohn’s disease

How our Annual Multi-trip Travel Insurance works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive cover across all your trips. 

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start your quote, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Receive your quote

You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.

What our Customers Say

Excellent personal service.

“After a lot of online research, I have booked a Gold Annual Multi-Trip Policy with AllClear Travel Insurance. I found the online application fairly straightforward. But I had a couple of questions and was pleased to have the assistance of Douglas. He guided me through the application and made a couple of necessary adjustments. Very patient and helpful – well done! “- Mr Wollarcott

Frequently Asked Questions on Annual Multi-Trip Travel Insurance

How does annual travel insurance work.

Annual Travel Insurance covers you for multiple trips within 12 months, offering convenience and peace of mind throughout your travels.

Once you buy an annual policy, you’re covered for an unlimited number of trips during the policy period (be sure to check your policy). This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.

However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.

Is it better to get Yearly Travel Insurance?

This depends on how many trips you take each year.

If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.

How much is holiday insurance for a year?

Annual Travel Insurance lasts for a whole year and will cover trips up to the maximum duration shown on your travel documents. If you’ll be travelling for longer than this, a Single Trip policy can cover holidays of up to 365 days.

When should you buy your Annual Multi-trip Insurance policy?

We would recommend buying Annual Multi-trip Insurance as soon as you book your holiday,

Money saving expert Martin Lewis also recommends this. He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.

The start date of your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.

Why can Annual Multi-trip Travel Insurance be better value than a single trip?

Annual Multi-trip Travel Insurance can offer better value than a single-trip policy because it covers multiple trips over a year, rather than just one.

So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.

With an Annual Multi-trip policy, you only need to select your preferred cover region, not every country you plan to visit. You’ll then be covered for any trip you take to the region throughout a 12-month period.

However, there are restrictions on the length of time you can be away for any one trip.

Can you get Annual Multi-trip Travel Insurance for a group trip?

Yes, our annual cover is available for groups of up to 10 people. 

Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

When does an Annual Multi-trip policy start?

You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy. 

However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.

Do you need extra cover for sports and activities?

AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding. 

Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.

Is a GHIC card enough to cover Annual Multi-trip Travel Insurance?

A GHIC (Global Health Insurance Card) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland. 

While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance. 

Annual Multi-trip Travel Insurance provides a wide range of benefits beyond healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to make sure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re planning a skiing holiday or a relaxing golf trip, remember to add extra cover to your policy for a worry-free trip.

• United Kingdom
• Winter Sports
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 3 April 2024

† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.

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Single-Trip Travel Insurance vs. Multi-Trip Travel Insurance 

Travelling is an exciting and insightful part of life, which most of us partake in sometimes numerous times a year. Others choose to adventure only once; it all depends on our circumstances. Although travelling can be fun, it can be an unpleasant experience if not properly prepared and planned for. An unfamiliar environment can lead to unfortunate circumstances, such as illness, the loss of personal documents, medical emergencies, etc. 

This is where travel insurance can provide peace of mind and benefit you during single or multiple trips overseas. Travel insurance helps evade the consequences of not having cover for yourself and your belongings while travelling abroad.

We discuss when to choose single-trip or annual multi-trip travel insurance.

What’s the difference between Single Trip Travel Insurance and Annual Multi Trip Travel Insurance? 

Single-trip travel insurance.

Single-trip travel insurance is designed to provide financial protection against various emergencies or misfortunes during a single round-trip abroad. Reputable insurance providers like Allianz Travel offer excellent travel insurance for trips of 90 days or less.  Signing up is simple, and you’ll need to stipulate your trip's start date and end date.

Single-trip travel insurance covers you even if you go to multiple destinations in one trip, so if you go to Europe, you will be covered, no matter the destinations you choose to explore within Europe. This is because the plan covers you from the moment you board your flight and will continue until you return at the end of your trip. It is however important to list the countries or geozones you are going to visit when you buy your travel insurance. 

Depending on the single-trip travel insurance option you choose, you can enjoy cover for a host of inconveniences, emergencies, and other things you may face during your travels, which may include:

• Trip Cancellation
• Emergency Medical Expenses
• Dental Cover
• Hospital Cash
• Loss of travel document
• Delayed personal possessions
• Loss of personal possessions
• Loss of sight or limbs
• Missed departure
• Credit card fraud

Annual Multi-Trip Travel Insurance

This travel insurance is ideal for people who frequently travel throughout the year, whether for business, leisure or both. Annual multi-triptravel insurance from Allianz Travel covers you for trips throughout the year if you are a frequent traveller. This means that, no matter how many times you travel within a year with annual multi-trip travel insurance, you wouldn’t have to purchase multiple insurance packages for every time you plan a trip in one year.

Plans from Allianz do not cover you for individual trips you take that are more than 90 days in a row. It only covers you if your stay abroad lasts for 90 days or less. The Annual Multi-Trip Insurance also comes as a Schengen Annual Travel Insurance option for those travelling to Schengen countries.

Multi-trip travel insurance from Allianz covers you for inconveniences, emergencies, and other things you may face during your travels. The benefits are the same as for single-trip travel insurance. The only difference is that the annual multi-trip insurance covers you for more than one trip. 

Which travel insurance should you opt for?

To simplify your choice when purchasing travel insurance, consider all factors that influence why you need it in the first place. Consider things like your chosen destination, the duration of your trip, the reason for your trip, medical expenses, cost of living, trip cancellations, insurance plan limitations, and even the crime rate of your end destination. 

Choosing between annual trip travel insurance and single trip travel insurance will depend on how frequently you plan to travel. One is perfect for frequent travellers, while the other works for occasional travellers who travel once a year; choose one based on which category you fall into and ensure it’s the best option for all your needs.

About Allianz Travel

Introduction to Aegis Travel Insurance

• Coverage Options
• How to Purchase and Manage Your Policy
• Customer Service and Claims Process

Compare Aegis Travel Insurance

• Why You Should Trust Us

Aegis Travel Insurance Review 2024 (Formerly GoReady)

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes thinking about the ways things can go wrong, but the truth is that anything can happen. Travel insurance can protect you from financial loss if something goes wrong while you're away and even cover pre-paid trip costs if you must cancel your trip for a qualified reason.

There are many different types of travel insurance, so it's important to choose the right policy for your needs. And Aegis General Travel Insurance offers a variety of policies to suit different travelers. Keep reading to find out how Aegis performs and whether its coverage makes sense.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

Aegis General Insurance Agency provides several types of insurance such as homeowners, life, and pest insurance. Aegis added travel insurance to its list of offerings, when it acquired April Travel Protection in early 2021, operating as GoReady.

Now Aegis General, the Pennsylvania-based company offers five single-trip insurance plans and two multi-trip plans that have a wide range customization options including CFAR and sports coverage. The plans also offer a diverse range of coverage from its more comprehensive VIP and Pandemic Plus options to its Trip Cancellation, which offers low-cost coverage for cancellations and trip interruption. The Aegis Trip Cancellation plan is even included in our guide on the best cheap travel insurance .

That said, Aegis has a relatively complicated claims process that has received mixed reviews from customers. You're required to get in contact with a claims agent to start the process, which can be difficult.

Coverage Options with Aegis

Aegis travel insurance offers a variety of plans from which to choose. Picking the right one will depend on your trip and whether you want single-trip coverage or something like an annual plan. The answer to the question of what travel insurance covers varies.

If you're looking for a single-trip plan, you'll have a few different choices:

Aegis Annual Multi-Trip Plans Available

Annual/Multi-Trip Preferred plan – This annual travel insurance plan is ideal for those who take multiple trips per year that are less than 31 days. It provides comprehensive coverage for an unlimited number of trips, including important types of protection like travel delay ($750), trip inconvenience ($200), baggage coverage ($1,000), and baggage delay ($200). In addition, the plan includes $100,000 per person for medical emergency assistance and transportation. The Preferred plan is not available for New York residents.

Annual/Multi-Trip Primary plan – This policy is ideal for you if you're a frequent flyer who goes on three or more trips each year or travels for up to 90 days at a time. It includes baggage coverage ($1,000), baggage delay ($100 per person, $300 policy limit), and $30,000 in initial coverage for emergency accident and sickness medical expenditures.

Aegis Additional Coverage Options

Some Aegis travel insurance plans offer the option to upgrade for improved coverage. For instance, Aegis's Choice plan includes $250,000 in emergency medical assistance and transportation — but with an upgrade, you can buy up to double that amount ($500,000).

There are add-ons, too, like CFAR (cancel for any reason) coverage , which reimburses you 75% of your prepaid trip expenses, or "cancel for work reasons." which covers 100%. CFAR coverage is only available for the Choice, Pandemic Plus, and Cruise plans.

Depending on the play you choose, other upgrades include coverage for rental car damage, missed port of call, sporting equipment coverage, and more.

Aegis Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate Aegis's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Aegis travel insurance quotes:

• Trip Cancellation: $43
• Choice: $53
• Pandemic Plus: $105
• Cruise: $112

Premiums for Aegis plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

Aegis provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Trip Cancellation: $59
• Choice: $70
• Pandemic Plus: $140
• Cruise: $142

Once again, premiums for Aegis plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Aegis quotes:

• Trip Cancellation: $438
• Choice: $404
• Pandemic Plus: $372
• Cruise: $620

Premiums for Aegis plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

Aegis Annual Travel Insurance Cost

Quotes for Aegis' annual plans are as follows for a 35-year-old from Iowa:

• Preferred Plan: $145
• Primary Plan: $198

How to Purchase and Manage Your Aegis Policy

To purchase an Aegis policy, you'll have to obtain a quote on its website. You'll need to be able to provide information about yourself and your trip including: 

• Destination(s)
• Total trip cost
• Age of traveler(s)
• Primary email
• Travel dates
• Date of deposit
• State of residence

Aegis gives you quotes on all five of its policies on one page. Once you make a decision, you can also add any available upgrades to your policy, such as pre-existing condition waivers, CFAR coverage, rental car damage, and higher coverage limits. 

How to File a Claim with Aegis

To start a claim, you need to first contact a claims agent over the phone at 866-753-0945 (option 3), sending an email on Aegis' website, or through its live chat service. They'll help you determine which benefits you should file for and supplementary documents you should provide. Your files may even be pre-screened to ensure you have the correct information.

You'll receive an email that gives you access to Aegis's claims portal, where you can file claims and monitor their statuses. Aegis says that claims will be processed within seven to 10 business days. 

Aegis Customer Service and Claims Process

Customer reviews of Aegis are almost solely concentrated on SquareMouth, where it has 4.06 stars out of five across over 1,100 reviews. Reviews that focused on the process of buying a policy were almost unanimously positive. Customer service was helpful in adjusting any policies pre-departure.

However, reviews on Aegis's claims process were more mixed. According to customers, the claims team was hard to get a hold of and the process often took over a month, well over the promised processing window.

Learn more about how Aegis Travel Insurance stacks up against the competition. 

Aegis Travel Insurance vs. HTH Worldwide Travel Insurance

HTH Worldwide's most popular TripProtector Preferred plan comes with $500,000 in emergency medical coverage, $50,000 in trip cancellation, $2,000 in baggage loss/damage, and $2,000 in trip delay insurance.

With Aegis's Choice plan, you'll get $250,000 in emergency medical assistance, 150% of trip cost in trip cancellation, $500 in baggage loss/damage coverage, and $200 for baggage delays, and you can get upgraded protection.

In comparing the two plans, you'll see that Aegis travel insurance offers better coverage when it comes to medical protections, but falls short, compared to HTH Worldwide, when it comes to travel coverage.

Read our HTH Worldwide Travel Insurance review here.

Aegis Travel Insurance vs. Allianz Travel Insurance

Like Aegis travel insurance, Allianz offers single-trip policies as well as policies for those who plan to travel for a longer period of time. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz's most popular single-trip option is the OneTrip Prime plan, which offers trip cancellation coverage up to $100,000, trip interruption coverage up to $150,000, emergency medical coverage for $50,000, coverage for baggage loss, theft or damage up to $1,000, and travel delay coverage up to $800.

In comparison, Aegis's Choice plan offers $250,000 in emergency medical assistance, evacuation and repatriation insurance. And it comes with up to $500 in baggage loss or damage coverage and $200 if your bags are delayed. Upgraded protection is also an option.

Read our Allianz Travel Insurance review here.

Aegis Travel Insurance vs. Credit Card Travel Insurance

Be sure to take a look at your travel credit card's insurance coverage before buying a separate policy. Some coverages, like rental car coverage, might already be included.

Let's say, for example, you're taking a road trip and have very minimal (if any) pre-paid or non-refundable trip expenses. In that case, the coverage from your credit card will likely suffice. Or maybe your main concern is trip and baggage delay and cancellation coverage because your current health coverage covers you overseas. That's another instance where credit card insurance coverage might do the trick!

Worth noting, though, is that sometimes credit card coverage is secondary. This means you'll have to make a claim with your other applicable insurance before making a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed Aegis Travel Insurance

When reviewing Aegis travel insurance travel insurance, we considered various factors such as types of coverage, claim limits, available policy add-ons, and costs. We then compared these findings to similar plans from other top travel insurance companies.

In the end, the best policy is the one that offers an adequate amount and type of coverage depending on your needs and budget. It should also be user-friendly in case you have to make a claim sometime in the future.

Read more about how Business Insider reviews insurance products here.

Aegis Travel Insurance FAQs

Aegis covers COVID-19 like any other illness under its medical and cancellation coverage. It also offers coverage for travel delay due to COVID quarantine.

No, you cannot purchase an Aegis plan for a trip in progress.

To file a claim with Aegis, you must first contact a claims agent, who will email you access to the Aegis claims portal, where you can file your claim and keep track of any updates.

Aegis will cover pre-existing medical conditions as long as you purchase your policy within 24 hours or 14 days of your initial trip deposit, depending on your policy. Aegis's Choice plan offers pre-existing condition coverage as an upgrade instead of an inclusion, though the 14-day window still applies.

Aegis' Pandemic Plus, Choice, and Trip Cancellation coverage can be extended by up to seven days.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Collinson and World Nomads Team Up on Travel Cover

World Nomads,  the global travel insurance provider, has announced the launch of its new Annual Multi-Trip (AMT) product in the UK & Ireland, following a new strategic underwriting partnership with Collinson, one of the UK’s leading travel insurance providers, dedicated to helping the world travel with ease and confidence. The new product will enhance the customer experience with the addition of increased coverage limits and new benefits that apply to both AMT and single-trip policies, as well as innovative parametric service SmartDelay, ensuring comfort, convenience and tranquillity during unexpected flight delays.

Introducing the Annual Multi-Trip (AMT) Policy for Frequent and Adventurous Travellers

World Nomads’ AMT policy offers comprehensive and cost-effective coverage for frequent international and domestic travellers, allowing for multiple trips within a one-year period under a single policy. This product caters to World Nomads’ core demographic: independent travellers with a passion for adventure and high-energy activities, including coverage for over 150 adventure sports activities under the Standard and Explorer Plan.  Additionally, a higher age limit (up to 69 years) and free coverage for children (aged under 18) when travelling with adult relatives or friends applies, making the AMT policy ideal for multigenerational travel.

New Services to Tackle Airline Travel Delays and Simplify Medical Access 

World Nomads is also introducing new and additional innovative services for AMT Standard and Explorer Plan policyholders, including:

·          SmartDelay:  Providing access to over 1500 airport lounges or alternative benefits such as spa, sleep pods and restaurant discounts for travellers experiencing flight delays of more than 90 minutes

·          Air Doctor:  Connecting travellers to private doctors and medical advice in destinations where public health services may be overstretched and/or unable to treat international travellers.

Enhanced Benefits across Single-trip and AMT Insurance Products 

Drawing upon Collinson’s 35+ years of industry experience, the new underwriting partnership brings a range of additional benefits to both AMT and Single-trip policy holders. Customers will enjoy increased coverage limits and enhanced benefits for trip cancellation and delays, emergency medical expenses, personal baggage, and personal liability*. These enhancements ensure that travellers are better protected against a wider range of travel-related issues.

The AMT product will be available for purchase on the World Nomads website from 27 June.  

For more information, please visit  worldnomads.com . 

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