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Freedom251 › Blog › Allianz travel insurance

Allianz Multi-Trip Review: Who the UK Policy Suits—and Who It Doesn’t

By Freedom251 Team · · 5 min read

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New Allianz Assistance UK Annual Multi Trip policies are temporarily unavailable. Allianz says policies bought before 25 September 2025 remain covered until they expire, but it has not announced when sales will resume or what a relaunched policy will include. For existing policyholders, the key fit test is whether each trip lasts 31 days or less: the February 2024 handbook says a longer trip is not covered at all.

Is Allianz annual multi-trip travel insurance worth it?

There is no current Allianz UK price or new policy to assess, so a value verdict for new customers is not possible. Allianz’s product page says it has temporarily stopped providing travel insurance while it upgrades its offers. If you already hold a policy, whether it is worthwhile depends on your itinerary, selected cover level, region, health eligibility and the terms on your insurance confirmation.

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Annual cover is designed for multiple trips within a 12-month policy period. Allianz describes its policy as covering an unlimited number of trips, subject to a 31-day maximum per trip. Compare the annual premium with the cost of separate single-trip cover for the journeys you actually plan, but do not assume annual cover will be cheaper: current Allianz pricing is unavailable while sales are paused.

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The available product description and detailed limits are not the same thing. The levels and figures below come from Allianz Assistance UK / AWP P&C SA’s February 2024 handbook; they should not be treated as terms for a future relaunch. Your own schedule and confirmation govern an existing policy.

Does Allianz multi-trip insurance cover trips over 31 days?

No, under the February 2024 handbook. It says there is no cover for a trip longer than 31 days—not even for the first 31 days. The current product page also sets a maximum of 31 days per trip. If any planned journey exceeds that limit, this annual policy is not suitable for that journey; check specialist long-stay or single-trip options instead.

The annual policy’s “unlimited” description refers to the number of trips during the 12-month period, not their duration. Check the trip-length condition in the exact wording applying to your policy before travelling.

What do Bronze, Silver and Gold cover?

Allianz’s UK product page presents Bronze, Silver and Gold levels, with different regional choices and optional winter-sports cover. The February 2024 handbook shows different limits and some sections absent at Bronze. The following are selected limits from that handbook only:

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Benefit Bronze Silver Gold
Cancellation or cutting a trip short £1,000 £2,500 £5,000
Emergency medical and associated expenses £2 million £5 million £10 million
Excess £100; £150 for personal liability £75 £50
Personal possessions No cover £1,500, with item and valuables sub-limits £2,000, with item and valuables sub-limits
Personal liability £1 million £1.5 million £2 million
Missed departure £500 £1,000 £1,500
Legal expenses £5,000 £15,000 £25,000
Personal accident £5,000 £15,000 £20,000
End-supplier failure cover Not included Not included £1,500

All limits in the table are from Allianz Assistance UK / AWP P&C SA’s February 2024 handbook. They are not a promise of cover for every claim: exclusions, conditions, excesses and sub-limits can change what is payable. In particular, the possessions limits have inner limits for individual items and valuables. Check the schedule and wording for the exact cover you hold.

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Can I get Allianz annual travel insurance with a pre-existing medical condition?

The current Allianz UK product page says a person with pre-existing conditions to declare is not eligible to purchase its Annual Multi Trip policy. The February 2024 handbook also says it does not cover claims relating to existing medical conditions. These are separate considerations: eligibility to buy and whether a particular claim is covered. Read the health declaration and policy terms that apply to your cover.

Allianz directs people seeking cover for serious medical conditions to MoneyHelper’s travel insurance directory, which lists specialist providers. That directory is an option to explore, not a guarantee of eligibility or cover.

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Who is eligible, and which region should you choose?

Under the February 2024 handbook, the policy is available only to people whose main home is in, and who are registered with a doctor in, the UK, the Channel Islands (Jersey, Guernsey, Sark, Alderney and Herm), or the Isle of Man.

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The handbook distinguishes three areas: Europe, worldwide excluding the USA and Canada, and worldwide including the USA. Cover does not apply outside the area selected. Do not rely on a generic idea of what “Europe” means; check the definition in the wording and the region shown on your own schedule. Allianz’s policy information hub identifies the policy documents available, including the February 2024 handbook: Allianz Assistance UK policy information.

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What should existing policyholders check before relying on the cover?

  • Policy dates and version: Confirm your policy is still in force and use the wording and schedule issued for it. The limits in this review are from the February 2024 handbook, not a future offer.
  • Trip length and destination: Check that every journey fits the policy’s duration limit and selected area of cover.
  • Benefit limits and excesses: Compare cancellation needs, medical and repatriation cover, baggage and valuables sub-limits, and the applicable excess. The 2024 handbook says the excess applies per insured person, per section and per incident.
  • Health and exclusions: Review the health declaration and exclusions, including the handbook’s exclusion for claims relating to existing medical conditions.
  • Activities and options: Check whether winter-sports cover was selected if your trip requires it, and review section-specific exclusions and conditions.
  • Travel advice: The handbook says not to travel contrary to relevant official travel advice.

How does annual cover compare with single-trip insurance?

Annual insurance can make sense for someone taking several eligible trips in a year, while single-trip cover may be more appropriate for one journey or a trip that exceeds the annual policy’s duration limit. The right comparison is the total cost and scope for your itinerary—not the label alone.

For any policy you compare, check these points side by side:

  • Annual premium versus the cost of separate policies for each trip.
  • Number of trips and maximum permitted length per trip.
  • Cancellation limit and whether it applies per trip or across the policy.
  • Emergency medical and repatriation limits.
  • Regional scope, particularly whether the USA and Canada are included.
  • Medical-condition eligibility and exclusions.
  • Excesses and sub-limits for baggage, valuables and cash.
  • Whether winter-sports cover is needed and included.

Because Allianz has paused new UK sales, its current annual premium cannot be compared here. Its page gives no date for resuming sales and does not state the terms of a future offer. The general Allianz FAQ, last updated 2 March 2022, describes the distinction between single-trip and annual cover but is older than the product page and February 2024 handbook: Allianz Assistance UK travel insurance FAQs.

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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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