When you think of travel, what comes to mind? Do you like exploring historic sights, immersing yourself in the local culture and indulging in its cuisine? Do you enjoy a more active break – one that’s packed full of sports and adventure. Or is your ultimate vacation all about rest and relaxation in an exotic idyll?
In reality you may be someone that likes to mix it up and enjoy all different types of holidays and if you’re planning to head away multiple times over the next 12 months then it’s important to ensure that you protect yourself for the unexpected.
Whether it’s for medical emergencies, cancellation costs or personal possessions, having the peace of mind that you’re covered when you’re thousands of miles from home is invaluable and a Spectrum Annual Multi-Trip policy is likely to be the perfect option for you.
An Annual Multi-Trip policy from Spectrum gives you the freedom to travel as many times as you like over a 12 month period for a one off payment. There are four cover levels to choose from so it’s easy to select the policy that fits your needs.
There’s a 50 day maximum per trip duration limit included as standard (age dependent), over 100 adventure sports and activities are covered for free and a 24 hour emergency medical helpline is available so you’ll have someone to support you when you need it most.
Taking out an annual policy offers you the freedom to know that you’re insured to head away over the year without the need to arrange cover for each and every trip. It’s also likely to work out cheaper than if you were to take out several Single Trip policies.
It’s important that when you select your annual policy that you think about where you may head over the year. That’s because Spectrum Annual Insurance is area based so when you purchase your cover you will be asked to choose between Europe, Worldwide excluding USA, Canada & the Caribbean and Worldwide including USA, Canada & the Caribbean.
Also, if you take out a couple or family policy all those named on the insurance are covered to travel independently so you can head away separately knowing you’re protected.
You have two choices with annual cover. You can start your cover on the day you purchase your policy or you can start it in the future, say to coincide with your first day of travel.
While you might be tempted to start your cover as close to your departure date as possible, it’s important to be aware that you won’t be covered for cancellation between your purchase date and your date of travel.
As such should anything happen to cause you to cancel your trip there’d be no way to recoup this expense from Spectrum. So it’s best to start your policy at the time of booking to know you’re fully protected for all aspects of the policy from the get go.
Spectrum’s Travel Insurance covers a whole host of aspects and with four levels to choose from – Bronze, Silver, Gold and Platinum – you can select the policy that best fits your individual requirements. Some key aspects are:
Plus much more – you can find a full outline of all Spectrum cover levels by visiting our Cover Levels page.
There’s no limit to the number of trips you can take but there is a restriction in terms of the duration that each trip can be for and this is based on your age.
The number of days you can be covered for per trip, from the first day of travel to when you return home, is outlined below:
Why Choose Spectrum Travel Insurance?
All those named on a Spectrum Annual Multi-Trip policy are covered to travel independently.
Single Trip policies cover you for one trip only and you have to arrange cover for each time you travel. With an annual policy you can cover all your trips for the year with a one off premium. As such if plan to travel more than twice a year it may work out cheaper, and will definitely be more convenient, to take out an Annual Multi-Trip policy.
We realise that you might be concerned about declaring a condition – whether it’s the fact that you don’t feel comfortable talking about it or answering lots of questions, or you’re concerned about what the cost might be. With Spectrum you don’t need to worry as we’ve made the process of declaring your condition as straightforward as possible as you can do so online or over the phone.
If you have a medical condition then it’s important to declare it when you take out your cover. That’s because if something happens that’s linked to your condition and you haven’t told us about it then it is likely that any related claim will be declined.
So don’t risk travelling without cover – get a quote today.
To keep things simple we offer three area options:
For example, if you were planning on heading to Italy, Florida and Croatia over the year you’d need to select Worldwide including USA, Canada and the Caribbean. Also if you plan to head off to enjoy some time on the slopes don’t forget to add Winter Sports cover.
Here at Spectrum we aim to ensure that you can build a policy to fit your individual needs. Not only do we offer a comprehensive range of cover, we also provide the following seven additional options: