Designed for serial adventurers, if you take more than one trip a year, then an annual policy could save you money and take the hassle out of buying individual policies every time you travel. Benefit from unlimited trips per year, 21 days free wintersports cover, access to a UK GP online for 12 months, and our most comprehensive levels of cover.


24/7 medical helpline and free online GP access*

Over 100 adventure activities included*

Cover for mobile phones, laptops and more^

Up to £15 million medical expense cover

Up to £10,000 cancellation cover

Up to £3000 personal possessions cover

Push Doctor
Picture this, you're confined to your hotel room with the stomach bug from hell, too sick to drag yourself out of bed to mime your symptoms to a local doctor. Well fear not, because we include a FREE 12 month Push Doctor subscription with all our annual policies. Feel safe at home and on the road, knowing that you can contact a UK doctor at the push of a button. Be seen in minutes or schedule a time that suits you; speak face-to-face with a UK GP via the Push Doctor App or website; and start to feel better with qualified medical advice, instant prescriptions and referrals.
Pre-existing medical conditions
Pre-existing medical conditions
You must declare any pre-existing medical conditions you would like to be covered for on your policy. We consider cover for all conditions on our standard, premier and premier plus policies. Once you have purchased your policy you will need to call the confidential STA medical screening helpline on 020 8603 9573 to discuss whether your condition can be covered and if there is any additional premium to pay. If you would prefer not to pay for additional cover you can either choose to travel on your policy without cover for the pre-existing condition you have declared or you can cancel your policy within the 14 day cooling off period without penalty.


Contact US

Confused? Speak to one of our travel experts today.

Annual multi-trip insurance is available as a Blue policy for those under the age of 35 and Gold policy for those under the age of 66. There are three geographical areas of cover – Europe (42 days per trip), Worldwide Excluding the USA (60 days per trip) and Worldwide Including the USA (60 days per trip) - and you can choose between Premier or Premier Plus to get the appropriate cover for your trip.

Compare each policy

Click on items for detailed explanation

Premier Annual Multi Trip



per day

Policy Summary

Premier Plus Annual Multi Trip



per day

Policy Summary
  • Abseiling
  • American Football*
  • Archery
  • Ballooning (organised excursion)*
  • Bamboo Boat Rafting
  • Baseball
  • Big Foot Skiing*
  • Black Water Rafting*
  • Bobsleigh/Skeleton/Luge*
  • Boogie Boarding*
  • Bouldering
  • Bungee Jumping*
  • Canoeing
  • Canyoning
  • Cave Tubing
  • Caving
  • Cricket
  • Cycle Touring
  • Cycling
  • Deep Sea Fishing
  • Dog Sleighing*
  • Elephant Trekking
  • Fencing
  • Football*
  • Frisbee
  • Glacier Crossing/Hiking
  • Gliding*
  • Go-Karting
  • Hang Gliding*
  • Helicopter/Light Aircraft (as a passenger)
  • Heliskiing/Boarding*
  • High Diving (platform only)*
  • Hiking under 6000m
  • Hockey (field only)*
  • Horse Riding (casual with no jumping)*
  • Horse Trekking
  • Hot Air Ballooning*
  • Ice Climbing
  • Ice Skating
  • Jet Boating/Shotover Jet
  • Jet skiing*
  • Kayaking
  • Kite Buggying
  • Kite Skiing
  • Kite Surfing
  • Lacrosse
  • Marathon Running/Triathlon*
  • Martial Arts Training*
  • Micro Lighting*
  • Motorcycling up to 125cc when a valid UK motorcycle licence is held and wearing a helmet
  • Mountain Biking (not off road)
  • Mountaineering (with ropes)
  • Off-Road Mountain Biking
  • Overland Expedition
  • Paintballing
  • Parachuting*
  • Paragliding*
  • Parapenting
  • Parapenting (behind a motorised vehicle)
  • Parasailing (behind a boat)
  • Potholing/Caving (as part of a group)
  • Quad Biking
  • River Boarding*
  • River Kayaking*
  • Rock Climbing (with ropes)
  • Roller Blading
  • Rugby*
  • Safari
  • Sail Boarding
    Sand Boarding*
  • Scrambling
  • Scuba Diving (down to 30 meters only)
  • Sea Canoeing
  • Sea Kayaking*
  • Shark Cage Diving
  • Show-jumping*
  • Skate Boarding*
  • Skiing (off piste with a guide)*
  • Skiing (on piste only)*
  • Skiing Cross Country*
  • Skydiving
  • Snow Blading (on piste only)*
  • Snow Kiting*
  • Snow Mobiles/Skiddoos*
  • Snow Shoeing*
  • Snowboarding (off piste with a guide)*
  • Snowboarding (on piste only)*
  • Surfing
  • Tobogganing
  • Trekking under 6000 metres
  • Wake Boarding*
  • Water Polo
  • Water Skiing*
  • Weightlifting
  • White Water Rafting (grade 4-5)*
  • White Water Rafting (grades 1-3)*
  • Windsurfing
  • Yachting (in territorial waters)*
  • Zip Wiring/Climbing

Activity inclusions are based on the Premier/Premier Plus policies. Check the individual policy details for your selected policy for full activity inclusions. *If any of the activities marked with an asterisk are the main purpose of your trip you must purchase a sport trip or winter sports policy.