Annual multi-trip travel insurance

Nothing quite beats the excitement before a holiday. Setting your out-of-office notification, packing your bags and researching your destination’s hot spots are all part of the thrill, but unfortunately, no matter how much you prepare, things don’t always go according to plan.

Whether you’re flying out to visit friends, travelling around Asia, planning a couple of weeks relaxing by the pool or seeing the sights on a cruise, we believe that nothing should stop you enjoying your well-earned trip. With the right travel insurance, you don’t need to worry about covering costs if there’s a spanner in the works, allowing you to focus on having fun.

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What is annual travel insurance?

A multi-trip travel insurance policy lasts for one year, so you can enjoy as many trips abroad (up to 31 days per trip as standard) as you like within a 12-month period without having to worry about your insurance. Most policies cover a variety of eventualities, including illness and injury, and cancelling your holiday or coming home early.

Is annual travel insurance right for me?

Got lots of holidays coming up in the next year? Or do you take regular trips to visit a loved one? If you’re a frequent traveller, multi-trip travel insurance is designed for you.

Annual multi-trip travel insurance can be cheaper and easier than taking out multiple single trip policies, making it popular with regular holiday makers and business travellers.

What is covered by annual travel insurance with M&S Bank?

We all expect different things from our travel experiences, and we all have different budgets. That’s why M&S Bank offers flexible insurance policies that can be tailored to you.

Our annual travel insurance policy can cover:

  • Cancelling or coming home early
  • Emergency medical and other expenses
  • Personal money, passport and documents
  • Travel disruption protection
  • Up to £2million personal liability
  • Legal expenses and assistance

For an additional premium, you can add cover for your belongings and winter sports to your annual trip policy.

You’re automatically covered for up to 31 days for each trip you take within the year. This can be extended to 45, 60 or 90 days for longer holidays.

Sport and activity cover

Enjoy an activity packed holiday? Good news: annual travel insurance from M&S Bank covers a variety of sports and activities as standard, so in case of any mishaps, you can rest assured that costs are covered provided the conditions associated with each of the activities are met. All we ask is that you take reasonable precautions to protect yourself against mishaps by using the safety equipment and following any instructions provided.

There are some activities which aren’t covered, these include:

  • Training for, or taking part in a race, competition or tournament
  • Professional sports participation

You can find a full list in the excluded activities section of the M&S Travel Insurance policy document.

To view the full list of activities that can be covered and to find out what conditions apply to each activity, read the M&S Travel Insurance policy document.

If skiing is your thing, multi-trip travel insurance from M&S Bank also offers optional winter sports cover. Winter sports cover offers protection for things such as ski equipment damage, delays caused by an avalanche or a lost lift pass. Winter sports cover comes at an additional premium but allows you to fully embrace the slopes.

Winter sports cover includes:

  • Loss or theft of ski equipment, personal or hired
  • Piste closure
  • Lost lift pass
  • Ski pack
  • Avalanche or landslide

Looking for a quote?

Getting a multi-trip travel insurance quote is quick and easy; we only need a few details, and you can apply straightaway.

Get a quote for M&S Travel Insurance

M&S Travel Insurance is underwritten by Aviva Insurance Limited. Annual multi-trip travel has an age limit of under 80.


How do I make a claim?

If you need to make a claim and your policy number begins 820, please call us on 0330 024 6848 as soon as possible. Lines are open 8am–6pm Monday to Friday and 9am–5pm Saturday.

If your policy number begins MTV, please call us on 0800 051 4780 to make a claim. If you are overseas and need to make a claim, please call +44 1603 603 783. Lines are open 24 hours a day, 7 days a week.

Please have your policy number to hand when you call.

What's a policy excess?

This is the amount of money you have to pay if you make a claim.

M&S Travel Insurance has an excess of £100 per person per claim and you can choose to reduce the excess to £50 which will increase your premium.

Are there any charges to change or cancel my policy?

To make sure that you have the right cover in place, please let us know of any changes during the annual policy term. We do not make any charges for mid term changes.

If you cancel your policy within 14 days of receiving your policy documentation we will refund all premiums paid provided you have not travelled or made a claim, and there has been no incident which may result in a claim being raised.

If you wish to cancel the policy after the 14 days then there will be no cancellation charge and no refund of premium will be made.

Will I have to declare any medical conditions?

You need to tell us if you, or anyone else on your policy, have had any illness, injury or disease within the last 12 months where they have:

  • Been prescribed medication and/or
  • Received or are awaiting, medical treatment, tests or investigations and/or
  • Been referred to, or had a follow up with, a specialist and/or
  • Been admitted to hospital or had surgery