Multi Trip PREMIER

We have made arrangements with Free Spirit Travel Insurance to provide Multi Trip PREMIER insurance for us, designed to provide cover with these features in mind -

* Cover for all persons without age limit.

* Pre existing health conditions covered once declared

* COVID-19 Covered


Extended COVID-19 cover

Provides cover if an insured person has to cancel their trip due to being taken ill with or testing positive for COVID-19. Also, if this occurs abroad, cover is included for necessary emergency medical and repatriation expenses. Note – There is no cover if the insured travels against government or other regulatory authority (i.e. The Foreign and Commonwealth Development Office (FCDO) advice.



AREA 1. United Kingdom (England, Wales, Scotland, Northern Ireland and Isle of Man).

AREA 2. Europe - including: United Kingdom and Andorra, Austria, the Azores, Balearics, Belgium, Bulgaria, Canary Islands, Channel Islands, Corsica, Croatia, Czech Republic, Cyprus, Denmark (and the Faroe Islands), Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Liechtenstein, Luxembourg, Madeira, Malta, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russia (west of the Ural mountains), San Marino, Sicily, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, Tunisia and Turkey.

AREA 3. Worldwide - excluding Canada, Caribbean, China, Hong Kong, USA, Afghanistan, Liberia and Sudan but including Egypt and Israel.

AREA 4. Worldwide - including Canada, Caribbean, China, Hong Kong, USA but Excluding Afghanistan, Liberia and Sudan.

PLEASE NOTE that until further notice, insurers are unable to offer cover to Areas 3 or 4 at this time.



It is a condition of this policy that unless you have been given our agreement you will not be covered.

You will need to answer some questions about your health as part of the online quotation process which is accessed by clicking GET A QUOTE if you or anyone else to be insured on this policy answer ’YES’ to the following:

  • are you or anyone else to be insured on this policy awaiting tests or test results for a condition for which you’ve received a diagnosis?
  • do you or anyone else to be insured on this policy have any medical condition(s) for which you have received a diagnosis and are on a waiting list for, or have knowledge of the need for - surgery, or inpatient treatment, or investigation, or referral to a specialist consultant?
  • have you or anyone else to be insured on this policy received a terminal prognosis?
  • In the last 5 years been treated (including prescribed medication) for any:

Respiratory condition (relating to the lungs or breathing); Heart or heart related condition; Circulatory condition (relating to the blood or circulation); Kidney or renal condition; Liver condition; Condition relating to the pancreas e.g. diabetes; Cerebral or neurological condition (relating to the brain); Type of cancer; Type of stroke; Central nervous system disorder; Irritable bowel disease; Psychiatric or psychological conditions.

  • Received any surgery, inpatient or outpatient treatment or had any tests or investigations in a hospital or clinic or been seen by a specialist consultant within the last 2 years?
  • Been prescribed medication for any medical condition in the last 2 years?

Unfortunately we will not be able to offer cover if you answer YES to any of the following:

  • do you or anyone else to be insured on this policy have any medical condition you are aware of but for which you have not had a diagnosis?
  • are you or anyone else to be insured on this policy travelling against the advice of a doctor, or would be considered to be if they had sought the advice of a doctor before beginning a trip?
  • are you or anyone else to be insured on this policy travelling for surgery, treatment or investigations?

If you are not sure of any of the information you are giving us or do not know the answer, please check with the treating doctor. 



Claims arising from

(1) Winter sports, any hazardous pursuits, any work of a non sedentary nature. 

(2) Self inflicted injury or illness, suicide, alcoholism or drug abuse, sexual disease. 

 (3) war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

(4) Bankruptcy/liquidation of any tour operator, travel agent, airline, transportation company or accommodation supplier. 

(5) you travelling to an area that is classified as ’Advise against all travel or Advise against all but essential travel’ by the Foreign Commonwealth & Development Office at the time of your departure.

(6) any deliberate or criminal act by an insured-person.



The following is a summary of the cover representing the Significant and Key Features of the policy including Exclusions and Limitations that apply per person in respect of the basic (Super) level of cover.  Increased cover is also available.  Other terms and conditions apply. A full copy of the policy document is available on request.


2      EMERGENCY MEDICAL EXPENSES £5,000,000 including emergency dental £200, Kennel & cattery costs £500

3      AFTERCARE AT HOME FOLLOWING HOSPITALISATION:  Home help £500 - Cosmetic surgery £3,000 -   Dental treatment £300 – Physiotherapy £750 – UK convalescence after hospitalisation abroad (5 days+) £750

4      HOSPITAL BENEFIT Per Day £25 per 24 hrs up to £1,000

5      BAGGAGE AND PASSPORT £1,500: Single article, pair or set £300, Valuables limit £500, Baggage delay £150, Loss of  passport £200, Loss or damage to medical aids £1,000, Loss or damage to prescribed medications £250

6      PERSONAL MONEY & DOCUMENTS £500: Cash limit £200

7      PERSONAL ACCIDENT Death (aged 18-69) £10,000, Death (aged 70 or over) £5,000, Death (aged 17 and under) £3,500, Loss of limbs/sight (aged up to 69) £10,000, Loss of limbs/sight (aged 70 or over) £5,000, Permanent total disablement (aged up to 69) £10,000, Permanent total disablement (aged 70 or over) Nil

8      PERSONAL LIABILITY £2,000,000

9      DELAYED DEPARTURE (a) £30 per 12 hrs up to £120, (b) Trip cancellation (after 12 hours delay) £2,500


11    TRAVEL RISKS Hijack/kidnap £2,500, Mugging £250, Natural Disaster £750

12    LEGAL EXPENSES £25,000 (£50,000 policy max)

13    GADGET COVER £1,000

POLICY EXCESS £95 under parts 1,2,3,5,6,8,9b, £50 part 13



This insurance is suitable for multiple round trips starting and finishing in the UK & Channel Islands, for any age and is available to residents of the United Kingdom (England, Wales, Scotland, Northern Ireland and Isle of Man), the Channel Islands or for British Forces Posted Overseas (BFPO) who are registered with a medical practitioner in their home country. You must not have started your trip and must be travelling with the intention of returning to the United Kingdom, the Channel Islands or BFPO. You must not have spent more than six months abroad in the year before buying this policy. 

If you would like more information or are unsure of any details contained herein, you should ask Global Travel Insurance Services Ltd for further advice.  

UK COVER:  The insurance covers any UK trips that have been pre booked and for which the duration exceeds 3 nights. 

TRIP ELIGIBILITY:  This insurance provides travel insurance for multiple round trips which all start and finish in the UK for various durations.  


This insurance is arranged by Global Travel Insurance Services Ltd. We are authorised and regulated by the Financial Conduct Authority and our status can be checked on the FCA Register by visiting or by contacting the FCA on 0800 111 6768.  This policy is arranged in association with Free Spirit, a trading name of PJ Hayman & Company Ltd.

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