Multi-Trip Travel Insurance | Travel Insurance (2024)

Travelling more than once this year?

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person listed on the policy, and up to 3 appointments per event. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. You may need to pay for your prescription upfront and claim on your return home.

(4) Increased to £750 if you bought your foreign currency from Post Office.

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

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  Trip disruption cover

  This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19

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  Excess waiver

  If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees

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  Gadget cover

  Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles

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  Winter sports cover

  Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes

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  Cruise cover

  If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more

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  Trip extensions

  Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check theMoney and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

An award-winning provider

• Policies purchased from 28 March 2024 onwards provide cover if:

  • You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
  • A medical practitioner certifies you as too ill to travel due to Covid-19
  • You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
  • You, an immediate relative (6)or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

  If an insured trip has to be cut short, the unused portion of it can be claimed for if:

  • You, an immediate relative (6), or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

  There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment. If needed, we can also arrange to bring you back to the UK.

  There’s no other coronavirus cover on our policies, but for extra reassurance you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

  If you bought your policy with us between 31 March 2022 and 27 March 2024, some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

  Should the FCDO advise against all travel to your destination, there’s no cover under any section of the policy if you decide to travel.

  It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email travelinsurancefeedback@postoffice.co.uk.

  Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

• This is a type of policy that covers you for multiple trips within one year.

  This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

  All our policies have a maximum 31-day trip duration limit. This can be extended up to 45 or 60 days for an additional premium.

• Post Office offers three levels of travel insurance. These are economy, standard and premier.

• Buying an annual multi-trip travel insurance policy may not be cheaper outright than a single-trip travel insurance policy. However, multi-trip insurance allows you to take as many trips as you like within the 365-period of the policy. You can take these trips in both the UK and overseas. So it can be more cost-effective and work out cheaper in the long run.

  Whether you’re popping abroad to watch the football, fancy a weekend shopping trip to Paris or are taking a two-week family holiday, if you expect to travel more than once in a year, it’s worth considering multi-trip cover.

• The start date can be up to 31 days in advance. If you have a pre-booked trip and need cancellation cover, make the start of your policy the date you take it out, not the date your trip starts.

  The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

• You can cancel your policy within 14 days of receiving your insurance documents. But you can only cancel if you’ve not started a trip, made a claim or intend to make a claim. If you meet these criteria, we’ll give you a full refund.

  If you cancel after the 14-day cooling-off period, you won’t qualify for a refund. For annual multi-trip policies, the cancellation period is extended up to the start date of the policy, even if this is more than 14 days from the date you received your documents.

  However, we’ll consider any exceptional events that may allow us to repay you for any unused cover. These include bereavement, or an unexpected change to your policy that means we’re no longer able to carry on insuring you.

  The unused premium will be calculated on a sliding scale. You can find more information on this in your policy wording.

• Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account. If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account. You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

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  Annual multi-trip cover

  • Cover for multiple-trips for a 12-month period
  • 31-day trip limit, with extensions available up to 45 and 60 days
  • Available for everyone aged up to 75 years

  Get a quote

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  Single-trip cover

  • Cover for a one-off trip in the UK or abroad (7)

  • Perfect for short or long trips for anywhere in the UK or abroad

  • No age limit

  Single-trip cover

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  Backpacker cover

  • Cover for a one-off trip up to 18 months
  • Option to return home for up to 7 days on 3 occasions.
  • For people aged 18 – 60 wanting to travel the world for a gap year or career break

  Backpacker cover

Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover.

• Economy, standard and premier
• Core, extra and max

About our travel insurance

Things you need to know