- The best annual multi-trip travel insurance plans
- What exactly is annual multi-trip travel insurance?
- The price of annual multi-trip travel insurance
- What annual multi-trip travel insurance covers
- The conditions of annual multi-trip travel insurance
- Why take out annual multi-trip travel insurance?
- How to choose the right annual multi-trip travel insurance?
- Do my current insurance policies cover annual multi-trip travel insurance?
- FAQ
- On the same topic
Annual multi-trip travel insurance: key takeaways
1. Definition: This policy covers unlimited trips within a year, making it cost-effective for frequent travellers from the UAE.
2. Price: An annual policy covering trips to Europe typically costs between 800 and 1,500 AED for a UAE resident.
3. Coverage: It typically covers medical emergencies and trip cancellation but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: UAE bank cards and local health plans (DHA, Daman) provide minimal or no comprehensive international travel coverage.
5. Tips: Verify the per-trip day limit and ensure high-cost destinations like the USA or Canada are adequately covered.
6. Other useful info: For Schengen visas, ensure your policy meets the minimum medical coverage requirement of approximately 120,000 AED.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the UAE, our experts share here everything you need to know to choose the best annual multi-trip travel insurance.
The best annual multi-trip travel insurance plans
Here is a selection of the best annual multi-trip travel insurance plans available for residents of the UAE in 2025. These options have been selected for their high coverage limits, low deductibles and simplified conditions, ensuring consistent protection for frequent travelers.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | 550,000 AED | 100 AED |
|
| Cap Assistance 24/24 | 450,000 AED | 150 AED |
|
| Tourist Card | 550,000 AED | 200 AED |
|
| World Travel | 400,000 AED | 100 AED |
|
| Globe Partner | 450,000 AED | 180 AED |
|
| Globe Traveller | 367,000 AED | 150 AED |
|
- Multi-trip coverage worldwide.
- 24/7 emergency assistance.
- Fast digital claims process.
- Family plan options for cost savings.
- Unlimited trips per year.
- Mobile app for claims.
- Flexible trip duration.
- Direct hospital payment.
- Adventure sports included.
- Easy WhatsApp support.
- Family discounts.Multi-lingual assistance.
- No age limit for policyholders.
- Pre-existing condition options.
- Telemedicine services available.
- Emergency cash advance.
- Special features for business travel.
- Student discounts.
- Online policy management.
- Middle East and global coverage.
- Direct billing with hospitals.
- Strong regional expertise.
- Focus on multi-country travel.
- Fast online enrolment.
The best annual multi-trip travel insurance depends on the frequency of your travel and your unique needs. Use HelloSafe’s travel insurance comparison tool to find the right plan and subscribe directly online.
Compare the best travel insurance for freeI compareWhat exactly is annual multi-trip travel insurance?
Annual multi-trip travel insurance is a policy that provides continuous coverage for unlimited journeys taken by UAE residents within a 12-month period.
It is designed for frequent travelers, offering protection for multiple trips, each usually limited to a maximum duration set by the insurer, often 30, 60, or 90 days per trip.
This insurance eliminates the need to arrange new coverage for each journey and is cost-effective for both business and leisure travelers who travel abroad several times a year.
It is distinct from long-stay or single-trip insurance, which only covers one extended trip.
Expert advice
Here are the situations where taking out annual multi-trip travel insurance is especially relevant if you live in the United Arab Emirates:
- If you plan on travelling more than twice per year.
- For spontaneous weekend trips to nearby regional destinations.
- When visiting countries with high healthcare costs like the USA.
- For regular trips to Europe requiring Schengen visa insurance.
- When your local health insurance offers no overseas medical cover.
- To save money and time versus buying single trip policies.
- For business travellers who need consistent, reliable trip protection.
The price of annual multi-trip travel insurance
On average, annual multi-trip travel insurance costs between 3% and 7% of the total amount you would spend on multiple trips abroad in a year.
| Trip | Trip cost (AED) | Indicative price per person (AED) |
|---|---|---|
| 4 business trips per year to Europe (5 days each) | 28,000 | 900 to 1,400 |
| 3 family holidays (Asia, Middle East, Africa, 10 days each) | 30,000 | 1,300 to 1,900 |
| Monthly regional short getaways plus one long-haul trip | 24,000 | 850 to 1,500 |
| 5 weekend getaways and 1 summer holiday in Europe | 18,000 | 800 to 1,200 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your annual multi-trip travel insurance depends on several factors:
- trip frequency and duration: the more trips you take during the year and the longer each trip lasts, the higher the premium.
- destination: travel to countries with expensive healthcare, such as the US or Switzerland, increases the cost.
- traveller’s age: older travelers usually pay more.
- level of coverage: comprehensive plans with high medical limits and additional options cost more.
- selected options: extras such as adventure sports, high-value items, or business coverage add to the total price.
What annual multi-trip travel insurance covers
Annual multi-trip travel insurance provides coverage for multiple journeys within a year, with each trip covered up to a maximum length set by the insurer. It is designed for UAE residents who travel frequently for business, leisure, or family reasons.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| ✈️ Trip cancellation | Refund of pre-paid travel costs if a trip is cancelled for a covered reason. | We recommend at least AED 10,000 per year, with a deductible under AED 200. Cancellations for known events or work reasons are rarely covered. |
| 🧳 Baggage loss or theft | Compensation for luggage lost, stolen, or damaged during any trip. | At least AED 4,000 cover per trip is advisable, with deductibles below AED 150. High-value electronics, cash, and business items are usually excluded. |
| 🕒 Travel delay | Compensation for significant delays to flights or transport. | Look for cover above AED 500 after 4 hours, no deductible. Delays under 4 hours or lacking official proof are not covered. |
| 🏥 Emergency medical expenses | Key guarantee. Pays urgent medical bills for illness or injury abroad. | Choose coverage of at least AED 300,000 per trip, deductible under AED 200. Pre-existing conditions and routine check-ups are excluded. |
| 🚑 Medical repatriation | Key guarantee. Covers return to the UAE for necessary treatment after an emergency. | This should be unlimited or at least AED 500,000, with low or no deductible. Non-urgent returns or refusal by authorities are not included. |
| 🦷 Emergency dental care | Pays for urgent dental care after accident or severe pain abroad. | A minimum cover of AED 1,000 per event is good, deductible under AED 50. Routine or cosmetic dental treatment are excluded. |
| 🪪 Personal liability abroad | Protects against claims for accidental injury or damage caused to a third party. | Minimum AED 200,000 recommended, deductible below AED 300. Damage to rented vehicles or family property is typically excluded. |
| 💔 Trip interruption | Refunds for unused travel services if a trip is cut short for urgent covered reasons. | At least AED 5,000 in cover, deductible under AED 150. Voluntary early returns or minor reasons are not covered. |
| 🧍♂️ Personal accident cover | Compensation for accidental death or disability during travel. | AED 40,000+ is usually sufficient, with no deductible. Excludes professional sports and incidents under the influence of alcohol or drugs. |
| 🛂 24/7 Emergency assistance | Support hotline for medical, legal, and travel emergencies on all trips. | Ensure service is truly 24/7 and multilingual. Non-urgent queries or unrelated assistance may not be included. |
Cancellations for known events or work reasons are rarely covered.
High-value electronics, cash, and business items are usually excluded.
Delays under 4 hours or lacking official proof are not covered.
Pre-existing conditions and routine check-ups are excluded.
Non-urgent returns or refusal by authorities are not included.
Routine or cosmetic dental treatment are excluded.
Damage to rented vehicles or family property is typically excluded.
Voluntary early returns or minor reasons are not covered.
Excludes professional sports and incidents under the influence of alcohol or drugs.
Non-urgent queries or unrelated assistance may not be included.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the annual multi-trip travel insurance best suited to your profile and your travel plans, easily compare offers on HelloSafe.
The conditions of annual multi-trip travel insurance
Annual multi-trip travel insurance applies under several standard conditions for UAE residents and frequent travelers.
- Residency requirement: you must be a legal resident of the United Arab Emirates at the time of subscription.
- Purchase timing: you must purchase the policy before your first departure, not after leaving the UAE.
- Trip frequency: coverage applies only to multiple short trips during the policy year, not a continuous year-long stay.
- Maximum trip duration: each trip must not exceed the maximum duration set in the contract, often 30, 60, or 90 days.
- Covered destinations: your travels should align with the geographical coverage selected, such as worldwide or excluding specific regions.
- No existing travel: you must not already be abroad when initially activating the policy.
- Notification obligations: you must inform the insurer promptly of incidents such as illness, accidents, or theft during a trip.
- Exclusion zones: travel to countries under official government travel bans or sanctions is generally not covered.
Watch out!
A major misunderstanding with annual multi-trip insurance is the per-trip duration limit. While it covers unlimited trips, each journey has a maximum length (e.g., 30 or 60 days). Staying longer on one trip can invalidate your coverage for that entire journey, leaving you unprotected.
Why take out annual multi-trip travel insurance?
Unexpected incidents and medical emergencies can occur at any time during a trip, and such costs can be very high when traveling abroad.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to 100%, subject to annual policy limit |
| Medical repatriation |
| Usually fully covered if medically necessary |
| Appendicitis surgery and hospitalization |
| Up to 100% within medical limits |
| Stitches after a fall |
| Typically full cost after any deductible |
| Consultation and treatment for intestinal infection |
| Usually up to policy maximum |
- Europe: AED 800–1,200
- North America: AED 1,500–2,500
- Asia: AED 400–800
- Europe: AED 25,000–50,000
- North America: AED 40,000–80,000
- Asia: AED 15,000–35,000
- Europe: AED 15,000–30,000
- North America: AED 35,000–70,000
- Asia: AED 8,000–20,000
- Europe: AED 600–1,000
- North America: AED 1,200–2,000
- Asia: AED 300–600
- Europe: AED 400–800
- North America: AED 800–1,500
- Asia: AED 200–500
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Annual multi-trip travel insurance may also cover expenses such as trip cancellation or interruption, lost or stolen luggage, travel liability, repatriation assistance, and access to 24/7 emergency services, useful for frequent travelers.
Good to know
For frequent UAE travellers, an annual policy is the smartest choice. It's more cost-effective than single-trip cover and protects all your journeys for a year. Avoid huge medical bills and travel with peace of mind, knowing 24/7 support from providers like AVA is just a message away.
How to choose the right annual multi-trip travel insurance?
Not all annual multi-trip travel insurance policies are the same: reimbursement limits, deductibles and eligibility may differ significantly.
That’s why it’s important to compare based on your travel habits and needs in the UAE.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Insufficient limits can leave you exposed to high foreign medical or evacuation expenses | Choose medical coverage of at least AED 300,000, or AED 500,000 for travel to North America or Europe. |
| 📉 Deductible | Deductibles affect how much you pay before the insurer reimburses you | Look for plans with deductibles no higher than AED 200 per claim or per year to avoid large out-of-pocket expenses. |
| 📋 Policy conditions | Some benefits may be restricted by policy start date or eligibility requirements | Always read the terms and confirm activation before your first trip to ensure all benefits apply. |
| 👵 Traveller’s age | Age may impact premiums or exclusions, especially for travelers over 65 | Check age limits and medical questionnaire requirements—some UAE insurers cater to all ages with no surcharge. |
| 👨👩👧 Traveller profile | Profile (solo, couple, family, business) influences cost and coverage level | Select a policy tailored to your frequent companions or business needs for better value and practicality. |
| 📆 Trip duration | Each trip under annual cover has a max length (usually 30, 60 or 90 days) | Ensure the maximum trip duration per journey covers your longest planned trip this year. |
| 🌍 Geographic area | Coverage can be worldwide, regional, or exclude costly regions like USA/Canada | Confirm your main destinations are included, and consider worldwide cover if you plan trips to North America. |
| 🛡️ Existing coverage | Benefits may overlap with your bank cards, employer, or home insurance | Audit your existing cover before purchase, and do not pay for duplicate protection you already have. |
| 🧗 Planned activities | Sports or adventure activities may be excluded without special options | Declare all leisure and sporting activities in advance to avoid claims rejections based on exclusions. |
Do my current insurance policies cover annual multi-trip travel insurance?
It is legitimate to wonder if your current insurances like credit card insurance or public health system can offer you an annual multi-trip travel insurance, but unfortunately it is often not enough.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | annual multi-trip travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Dubai Health Authority) | Never | Covers health expenses at network hospitals in UAE only with no benefits abroad, no repatriation, no baggage. No trip cancellation, travel delay, or lost baggage covered abroad. | Travel insurance can cover up to AED 1,000,000 for global medical, evacuation and lost baggage, which public health insurance never includes overseas. |
| Private health insurance (Daman Health Insurance, AXA Gulf) | Almost Never | May include emergency care abroad with strict limits (AED 20,000 to AED 50,000), no trip cancellation, baggage loss or full repatriation. No coverage for flight delays, personal liability, or travel disruption. | Travel insurance provides up to AED 500,000 for worldwide emergency care, repatriation, cancellation, and major non-medical travel incidents. |
| Classic credit card (ADCB Traveller, Emirates NBD Classic) | Almost Never | Covers some emergency health abroad, medical limited to AED 10,000 to AED 50,000, some baggage cover. No trip cancellation, limited travel assistance or extended hospitalisation. | Travel insurance covers up to AED 500,000 for all trips in a year, including non-medical risks like cancellations and missed departures. |
| Premium credit card (FAB World Elite, HSBC Premier World) | Limited coverage | Includes emergency medical abroad (max AED 100,000), some baggage and travel accident cover, but limited trip cancellation. No comprehensive evacuation, personal liability, or uninterrupted 24/7 support. | Travel insurance offers AED 500,000 to AED 1,000,000 total annual coverage, full 24/7 support, disruption and liability—none of which premium cards fully match. |
No trip cancellation, travel delay, or lost baggage covered abroad.
No coverage for flight delays, personal liability, or travel disruption.
No trip cancellation, limited travel assistance or extended hospitalisation.
No comprehensive evacuation, personal liability, or uninterrupted 24/7 support.
Expert advice
Essential situations, like trip interruption due to a relative's illness, are often excluded from bank card and health insurance policies. Read the conditions carefully to avoid unpleasant surprises. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance policy tailored to your trip.
FAQ
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is mandatory only if required by the country you are visiting, such as for Schengen visa applications or certain business events. While not obligatory for most destinations, it is strongly recommended—especially for frequent travelers from the UAE—since unexpected medical emergencies abroad can cost tens of thousands of AED, far exceeding the price of a yearly policy.
When is it recommended to purchase annual multi-trip travel insurance?
It is best to purchase annual multi-trip travel insurance before starting your first trip within the policy year. Early purchase ensures you are covered from the outset, including for trip cancellations or last-minute emergencies, and helps you maximize financial benefits throughout all your planned and spontaneous journeys for the entire year.
How do I purchase annual multi-trip travel insurance?
Start by comparing options with HelloSafe’s travel insurance comparison platform tailored to UAE residents. Carefully check guarantees and exclusions, paying attention to trip duration limits, medical coverage, and worldwide scope. Purchase your chosen plan securely online and promptly receive your official insurance certificate by email for easy use or visa applications.
Can I purchase annual multi-trip travel insurance after booking my flights?
Yes, you can purchase annual multi-trip travel insurance even after booking your flights or accommodation, as long as you have not yet departed from the UAE. However, for full trip cancellation benefits to apply to each journey, it’s best to arrange your policy as soon as you finalize travel plans.
How do I make a claim under my annual multi-trip travel insurance?
If you need to claim, contact your insurer’s 24/7 emergency assistance line or access their online claims portal. Submit supporting documents such as receipts, medical certificates, or police reports as required. Claims are usually processed in AED, and many UAE-focused insurers pay hospitals and providers directly to reduce your out-of-pocket costs.
Does annual multi-trip insurance cover travel with my family?
Many annual multi-trip policies offer family coverage options, allowing you to insure a spouse and children under a single plan, often at a discounted rate. Confirm the exact definition of “family” in your policy and check for limits on the number of people included, as requirements may vary between insurers.
Are adventure sports and activities included in annual multi-trip insurance?
Standard annual multi-trip policies may exclude high-risk activities such as skiing, scuba diving, or trekking unless you add optional sports coverage. If you plan to take part in adventure sports, be sure to select a policy or add-on that specifically covers these activities for your safety and peace of mind.
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is mandatory only if required by the country you are visiting, such as for Schengen visa applications or certain business events. While not obligatory for most destinations, it is strongly recommended—especially for frequent travelers from the UAE—since unexpected medical emergencies abroad can cost tens of thousands of AED, far exceeding the price of a yearly policy.
When is it recommended to purchase annual multi-trip travel insurance?
It is best to purchase annual multi-trip travel insurance before starting your first trip within the policy year. Early purchase ensures you are covered from the outset, including for trip cancellations or last-minute emergencies, and helps you maximize financial benefits throughout all your planned and spontaneous journeys for the entire year.
How do I purchase annual multi-trip travel insurance?
Start by comparing options with HelloSafe’s travel insurance comparison platform tailored to UAE residents. Carefully check guarantees and exclusions, paying attention to trip duration limits, medical coverage, and worldwide scope. Purchase your chosen plan securely online and promptly receive your official insurance certificate by email for easy use or visa applications.
Can I purchase annual multi-trip travel insurance after booking my flights?
Yes, you can purchase annual multi-trip travel insurance even after booking your flights or accommodation, as long as you have not yet departed from the UAE. However, for full trip cancellation benefits to apply to each journey, it’s best to arrange your policy as soon as you finalize travel plans.
How do I make a claim under my annual multi-trip travel insurance?
If you need to claim, contact your insurer’s 24/7 emergency assistance line or access their online claims portal. Submit supporting documents such as receipts, medical certificates, or police reports as required. Claims are usually processed in AED, and many UAE-focused insurers pay hospitals and providers directly to reduce your out-of-pocket costs.
Does annual multi-trip insurance cover travel with my family?
Many annual multi-trip policies offer family coverage options, allowing you to insure a spouse and children under a single plan, often at a discounted rate. Confirm the exact definition of “family” in your policy and check for limits on the number of people included, as requirements may vary between insurers.
Are adventure sports and activities included in annual multi-trip insurance?
Standard annual multi-trip policies may exclude high-risk activities such as skiing, scuba diving, or trekking unless you add optional sports coverage. If you plan to take part in adventure sports, be sure to select a policy or add-on that specifically covers these activities for your safety and peace of mind.
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