Are you a regular jet setter?
If you're a frequent traveller, then our Annual multi-trip travel insurance may be the option for you. The maximum trip duration is dependent upon your age and the destination.
The maximum trip duration is dependent upon your age.
- Aged 18-65 years - 62 Days
- Aged 66-75 years - 45 Days
- Aged 76-80 years - 31 Days (excludes Worldwide including USA, Canada & the Caribbean)
The maximum age for Worldwide including USA, Canada & the Caribbean is 75 years at the point of purchase.
What's included?
Here's what you can get with our Annual multi-trip travel insurance:
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Cover for Covid included as standard - Cancellation and medical expenses are covered by us, as standard, if you’re diagnosed with Covid-19.
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Optional extras – a variety of optional extras are available so you can tailor your cover to your needs, these range from Winter sports cover, to Car hire excess waiver and more (fees apply).
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24/7 emergency helpline - Help if and when you need it, 24 hours a day, 365 days a year.
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Cover for medical expenses - up to £20 million of cover for medical expenses – if you choose our Rias Platinum Travel Insurance.
- Manage your account online 24/7 - Review and check details of your cover or download documents.
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1. Choose your level of cover:
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Rias Silver Travel Insurance
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Rias Gold Travel Insurance
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Rias Platinum Travel Insurance
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2. Then tailor it your to suit your travelling needs.
For full details on the terms of cover, exclusions and limitations, please read our policy wording.
Each section of cover detailed in the tables below shows the most you can claim. All cover limits and excesses* shown are per person and apply to each insured trip separately.
Where a claim is made for the same incident only one excess will apply per trip, per insured person (max 2). An incident is one single scenario where more than one claim is made under different sections.
| What's included? | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
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| Medical expenses | £10,000,000 | £15,000,000 | £20,000,000 | |
| Cancellation or cutting your trip short |
£3,000 | £5,000 | £7,500 | |
| Personal belongings | £1,250 | £2,000 | £3,000 | |
| Personal money | £1,000 | £1,250 | £1,500 | |
| Standard gadget cover | £500 | £500 | £750 | |
| Missed departure | £300 | £1,000 | £1,250 | |
| Pet care | £250 | £500 | £750 | |
| Legal expenses and assistance | £15,000 | £25,000 | £25,000 | |
| Excess* | £100 | £75 | £50 | |
*excess payable only when applicable, please check policy wording for more detail.
Optional Sections of Cover
Winter Sports Cover
| Benefit | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
| Winter sports equipment (you own) | £500 | £750 | £1000 |
| Hired winter sports equipment | £300 | £350 | £400 |
| Including: one item/pair or set of items | £300 | £350 | £400 |
| Winter sports equipment hire | £20 per day up to £300 | £30 per day up to £300 | £50 per day up to £300 |
| Ski pack | £20 per day up to £400 | £30 per day up to £400 | £50 per day up to £400 |
| Piste closure | £30 per day up to £400 | £30 per day up to £400 | £50 per day up to £400 |
| Avalanche and landslide closure | £15 per day up to £250 | £20 per day up to £400 | £25 per day up to £500 |
| Physiotherapy in the United Kingdom | £150 | £350 | £500 |
Cruise Cover
| Benefit | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
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| Missed port | £50 per port up to £500 |
£75 per port up to £750 | £100 per port up to £1,000 | |
| Stateroom/Cabin confinement | £50 per 24 hours up to £250 |
£75 per 24 hours up to £375 | £100 per 24 hours to £500 | |
| Unused excursions | £300 | £500 | £750 | |
| Additional baggage | £2,500 | £3.000 | £3,500 | |
| Single Item/Pair/Set limit | £400 | £500 | £750 | |
| Valuables limit | £500 | £500 | £500 | |
Golf Cover
| Benefit | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
| Golf equipment | £1,000 | £1,500 | £2,000 |
| Including: One item/pair or set of items | £300 | £375 | £500 |
| Golf equipment hire | £50 per day up to £450 | £50 per day up to £450 | £50 per day up to £500 |
| Green fees | £40 per day up to £200 | £40 per day up to £200 | £50 per day up to £500 |
Car Hire Excess Waiver
| Benefit | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
| Car hire excess waiver | £2,000 | £2,000 | £2,000 |
Gadget Cover
| Benefit | Rias Silver Travel Insurance |
Rias Gold Travel Insurance |
Rias Platinum Travel Insurance |
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| Gadget cover | ||||
| Accidental or malicious damage, loss or theft | £500 | £500 | £750 | |
| Unauthorised usage | £1,000 | £1,000 | £1,000 | |
| Gadget cover extension | ||||
| Accidental or malicious damage, loss or theft |
£1,000 | £2,000 | £3,000 | |
| Unauthorised usage | £1,000 | £1,000 | £1,000 | |
