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Annual multi-trip travel insurance

Annual multi-trip travel insurance

Cover for unlimited travel for one year. Underwritten by Great Lakes Insurance UK Limited.

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What is annual multi-trip travel insurance?

Annual multi-trip travel insurance provides you, your family or your partner with essential cover for an unlimited number of trips abroad for a year. It can be more cost effective than taking out single trip cover every time you go abroad. You could travel worldwide, including the United States, Europe, India and Australia*, knowing you’ll get the same benefits. Discount doesn't apply to premiums for pre-existing medical conditions or enhanced gadget cover.

The benefits of Sainsbury’s Bank Annual Multi-trip Travel Insurance

With our Annual Multi-trip cover, you’ll get:

  • Up to 20% off if you’re a Nectar member. Exclusions apply*
  • The choice of 3 levels of cover – Silver, Gold and Platinum
  • Cover for a wide range of pre-existing medical conditions – make sure you declare them when you get a quote
  • Cover for most sports and activities including wakeboarding, tennis, ice skating and marathon running. A full list can be found in our policy booklet
  • A 24-hour helpline available in case of medical emergencies while you’re away

Not a Nectar member? No problem. Just download the Nectar app or register at

What's covered?

Choose from three levels of cover with our annual multi-trip travel insurance – Silver, Gold or Platinum – for protection that best suits your needs.

Excesses may apply; please see the policy booklet for full details.

Key Benefits Silver Cover (up to) Gold Cover (up to) Platinum Cover (up to)
Medical emergency expenses £10 million £15 million unlimited
Cancellation or cutting short your trip £3,000 £5,000 £7,500
Personal baggage £1,250 £2,000 £3,000
Personal accident - £25,000 £50,000
Gadget cover £500 £750 £750
Personal money £400 £500 £750
Mugging cover - £250 £500


Covid-19 Cover

Covid-19 cover is included as standard on all of our policies. Don’t forget to check the latest Foreign, Commonwealth and Development Office (FCDO) and local government travel advice before you go. You won’t be covered if you travel against it.

For full details of the Covid-19 cover provided on new and existing policies take a look at our policy booklet.

Covid-19 Cover

Silver (up to)

Gold (up to)

Platinum (up to)

Medical emergency and repatriation expenses £10 million £15 million Unlimited
Cancellation and cutting short your trip £3,000 £5,000 £7,500


Optional extras

Planning on a golf trip or going skiing? Will you be renting a car or packing valuable electronics?

Either way, it's helpful to have extra cover for the accidents and delays that can be associated with activities like this.

Our optional extras can help you travel with confidence that you’re covered. Just add them to your annual multi-trip insurance cover (additional costs apply) when you get a quote.

Excesses may apply; please see the policy booklet for full details.

Optional Benefits Silver Cover (up to) Gold Cover (up to) Platinum Cover (up to)
Enhanced gadget cover £1,000 £2,000 £3,000
Golf cover £1,000 £1,500 £2,000
Wedding cover £1,000 £1,500 £2,000
Winter sports cover £500 £750 £1,000
Vehicle hire excess waiver £2,000 £2,000 £2,000


Things to think about before you go

We want to help make sure that you and your loved ones have the right level of cover. Here’s some important information you need to know before you start a quote:

  • The number of trips covered is unlimited. However, the maximum length of any trip is 62 days for Silver and Gold cover, and 92 days for Platinum cover
  • Annual policies start from the date that you requested and end after 12 months
  • There is an upper age limit of 80 years at the start date of the policy
  • Policy holders must be UK residents and registered with a GP
  • Trips must start from and return to the UK
  • The insurance period will automatically extend if you’re unable to return to the UK due to injury, illness, or transport delay
  • Policies must be bought before you leave the UK, except when your renewal date is during a trip

For more information about this policy take a look at our annual cover policy booklet, our annual cover Insurance Product Information Document (IPID) and our Travel Insurance Customer Support  page.

For useful travel information, check out our travel guides.

Only going on one trip this year?

Selecting the right policy can save time and money.

Planning just one trip abroad this year? Instead of taking out an annual holiday insurance policy, have a look at our single trip or extended trip policy options.

Other limits, exclusions and excesses also apply, you’ll find details in the policy summary.

Single trip

Single trip

Cover for any age, with no upper age limit

Extended stay

Extended stay

Under 65 and planning a longer trip like a round-the-world adventure?

Cruise cover

Cruise cover

Going on a cruise? Don’t forget to add cruise cover to your travel insurance

Need to talk to us?

Get in touch with any questions about our travel insurance policies. Our friendly team is ready to help.

Call 0345 305 2621.

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers.

Terms and Conditions

* No cover is provided under either a single trip or annual multi trip policy for any trip in, to, or through Afghanistan, Iran, Iraq, Liberia, North Korea, South Sudan, Sudan or Syria.

* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.