Worldwide annual travel

Gives you the freedom to travel as often as you want with the assurance of tailored cover for members of the armed forces.

Key Features

Worldwide Annual Multi-trip Insurance

Whatever takes you away from home in your leisure time, worldwide annual multi-trip insurance cover, arranged by PAX Insurance, gives you the freedom to travel  as often as you want.

This policy also covers cancelling or cutting short your holiday due to your approved leave being cancelled or March Out orders being received.

Individual Couple Family Single Family
Standard multi-trip £107.82 £165.20 £175.32 £158.71
*Including winter sports £144.87 £203.00 £218.62 £191.13

If you are 66 to 74, the premium will be increased to double the individual premium quoted.

All premiums quoted include UK Insurance Premium Tax at 20%

*Includes cover for up to 17 days in total for winter sports in any one policy period.

No cover is provided under this travel insurance for any trip in, to or through Afghanistan, Cuba, Iran, Iraq, Lebanon, Liberia, Libya, Syria, Sudan, North Korea or the Crimea region.,

There is no limit to the number of trips you can take, as long as none of them are longer than 60 days.

Cover

Here is an overview of the key covers and limits for PAX Insurance Worldwide Annual Multi-Trip and Single Trip Insurance schemes

Section Cover up to Excess
Cancelling you trip
£5,000 £100**
Emergency medical expenses outside of your country of residence or the United Kingdom £5,000,000 £100
Emergency dental expenses outside of your country of residence or the United Kingdom  £200 Nil
Hospital benefit  £25 for every 24 hours up to max £500
Nil
Mugging benefit
 £500 Nil
Cutting your trip short  £5,000 £100**
Missed departure £1,500 £100**
Travel delay £20 after each 12 hours delay up to £120 Nil
Abandoning your trip £5,000 £100**
Personal belongings and baggage1  £2000 £100
Including: Single article limit / pair OR set of items limit  £250 Nil
Including: Valuables and electronic/other equipment limit  £250 Nil
Including: Property in a motor vehicle limit  £100 Nil
Delayed baggage1 £150 for a 12 hour delay up to £150 Nil

Personal Money1

Including: Cash limit

Including: Cash limit (aged under 18)

£500

£150

£150

£100**
Passport and Travel documents1 £300 £100**

Personal Accident:

Loss of limb

Loss of sight

Permanent total disablement

Death benefit (aged 18 to 64)

Death benefit (aged under 18 or 65 and over)

 

£15,000

£15,000

£15,000

£15,000

£2,500

 

Nil

Nil

Nil

Nil

Nil

Personal Liability £2,000,000 Nil
Legal Expenses £25,000 Nil

Hijack

 

£200 per 24 hours up to maximum £5,000 Nil

1Cover is only available if the appropriate premium has been paid by you as shown on your certificate of insurance

Activity Cover Section Cover up to Excess

Activity Cover is only available if the appropriate premium has been paid for covered activities in relation to adventure (Single trip policies only) or Winter sports as shown on your certificate of insurance

Equipment  £1,000 £100
Including: one item/pair or set of items (owned)  £400 Nil
Equipment Hire  £30 for every 24 hours up to £300
Nil
Ski Pack  £75 for every 24 hours up to £300
Nil
Piste Closure  £20 for every 24 hours up to £200
Nil
Avalanche Cover £200 Nil


If you need to make a claim under the sections listed in the table above, we will deduct the amount shown in respect of the policy excess from the sum we pay you for any valid claim. The excess will apply to each and every person claiming and to each incident and to each section of the policy under which a claim is made.

** Denotes an excess per claim, per insured person.
A maximum of £200 per family is deductible.

Claims

You must register a claim under all sections by contacting the following company:

Please note: All claims must be notified as soon as it is reasonably practical after the event which causes you to submit a claim.


The Medical Emergency Assistance Company, AIG Travel, will provide immediate help if you are ill, injured or die outside the United Kingdom. They provide a 24-hour emergency service 365 days a year. The contact details are as follows:

Please have the following information available when you (or someone on your behalf) contact the Medical Emergency Assistance Company so that your case can be dealt with swiftly and efficiently:

  • Your name and address;
  • Your contact phone number abroad;
  • Your policy number shown on your certificate of insurance; and
  • The name, address and contact phone number of your GP.

Conditions of Cover

Certain terms and conditions apply to your Annual Multi-Trip cover.

  • All insured persons must be 74 years of age or under at the date of buying or renewing this policy
  • A family is defined as an individual and his or her partner provided they live together and up to four of their dependent children (which can include fostered or adopted children) who are 17 years of age or under at the date of buying this policy and are either in full-time education or living with them
  • Single parent family: An individual and up to nine of his or her dependant children (which can include fostered or adopted children) who are 17 years of age or under at the date of buying this policy and are either in full time education or living with them
  • If you are 66 to 74, the premium will be increased to double the individual premium shown on this website
  • There is no limit to the number of trips you can take, as long as none of them are longer than 60 days

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FP.PAX.1759.CMh