4.5
Annual Multi Trip Insurance Benefits
If you take several holidays a year, an annual policy is just what you need. Annual Multi-Trip travel insurance covers you for multiple trips within a year, avoiding you the hassle of buying a new policy every time you travel. You will also save money as it works out cheaper than taking out many single trip policies throughout the year.
IMPORTANT INFORMATION REGARDING TRAVEL INSURANCE & COVID-19/CORONAVIRUS
This policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:
Section 1.2 - Cancellation cover as a result of COVID-19
Section 3 - Emergency Medical Expenses & Repatriation and Section 4 - Additional Hospital Benefit in respect of COVID-19
Please click read more and read the important information below.
Planning your next holiday?
What’s the worst that could happen?
- Well, you may need to cancel or curtail your trip due to illness or injury of you or a loved one.
- You may need emergency medical treatment whilst overseas and that may result in the need for medical repatriation.
- If you were injured or worse still were to die as a result of an accident there would be significant legal costs and expenses.
- Your outward or return journey could be seriously delayed.
- You may need to abandon your trip if you were involved in an accident en route to your departure point.
- You may have an accident during your trip.
- Your baggage could be lost or delayed.
- Cash or important documents, including your passport, could be lost or stolen.
- You may cause an accident or an injury to someone and be faced with heavy legal expenses and legal liability.
Is it worth the risk?
Ibex offers comprehensive travel insurance cover from as little as €119.40 for Annual Multi-Trip cover. No matter how many trips you’ve got booked we’ll cover you just as long as you’re away for no more than 31 days (for Annual Multi-Trip Standard cover) or 45 days (for Super & Super Plus cover). With Super & Super Plus you can extend up to 60 or 90 days with our optional covers – additional premium & T&C’s apply.
We offer cover to residents of Portugal, Spain & Gibraltar. Our friendly and highly trained customer service staff can ensure you have the cover you need.
What are the key points to consider?
- That you are covered for the entire duration of your trip.
- You have the correct cover for the country you are visiting.
- That every member of your party is covered.
- That your policy covers any activities and sports you intend to participate in.
- That you declare any existing medical conditions and find out if these can be covered, maybe with an addition to the premium.
- How often do you travel? If you are a regular traveller an annual multi policy trip is much more cost effective.
- To bear in mind that all the potential risks we refer to above are just as likely to happen during a weekend away as they are on a longer trip, further afield
Travel Insurance Summary of Covers
Choose from 3 levels of cover to suit your needs and pockets. Standard, Super and Super Plus.
Annual multi-trip policies and single trip policies are available up to the age of 79. Premium loadings are applied to travellers aged 65 and over.
Optional cover is available for winter sports (up to age 70), golf, business trips, gadget cover and option to double the excess.
Many medical conditions covered.
We also offer travel policies from other insurers with differing terms and conditions.
With English speaking staff and 24 hour emergency assistance you can rest assured that we have your holiday covered.
Cover
Standard
Super
Super Plus
Cover
Cancellation (Excess: €/£70)
Ibex Standard
2,000
Ibex Super
5,000
Super Plus
10,000
Cover
Curtailment (Excess: €/£70)
Ibex Standard
2,000
Ibex Super
5,000
Super Plus
10,000
Cover
Emergency medical expenses and Repatriation (Excess: €/£70)
Ibex Standard
5,000,000
Ibex Super
10,000,000
Super Plus
10,000,000
Cover
Additional Travel & Accomodation Expenses in respect of COVID-19 (Excess: €/£70)
Ibex Standard
2,000
Ibex Super
2,000
Super Plus
2,000
Cover
Additional Hospital Benefit
Ibex Standard
1,000 (25/24hrs)
Ibex Super
2,000 (25/24hrs)
Super Plus
2,000 (25/24hrs)
Cover
Travel Delay (Excess: €/£70)
Ibex Standard
140 (28/12 hrs)
Ibex Super
300 (30/12hrs)
Super Plus
300 (30/12hrs)
Cover
Abandonment (Excess: €/£70)
Ibex Standard
2,000
Ibex Super
5,000
Super Plus
5,000
Cover
Personal Accident
Ibex Standard
Ibex Super
Super Plus
Cover
Accidental Death
Ibex Standard
5,000
Ibex Super
10,000
Super Plus
15,000
Cover
Accidental Death (Under 16)
Ibex Standard
1,500
Ibex Super
1,500
Super Plus
1,500
Cover
Permanent Disability
Ibex Standard
15,000
Ibex Super
25,000
Super Plus
35,000
Cover
Lost Limb(s), Loss of Sight
Ibex Standard
7,000
Ibex Super
14,000
Super Plus
14,000
Cover
Missed Departure (Excess: €/£70)
Ibex Standard
400
Ibex Super
1,000
Super Plus
1,000
Cover
Baggage & Personal effects
Ibex Standard
750
Ibex Super
2,000
Super Plus
3,500
Cover
Delayed Baggage
Ibex Standard
35
Ibex Super
100
Super Plus
100
Cover
One article, pair, set or collection
Ibex Standard
70
Ibex Super
350
Super Plus
350
Cover
Total all Valuables
Ibex Standard
No Cover
Ibex Super
250
Super Plus
250
Cover
Spetacle or Sunglasses
Ibex Standard
70
Ibex Super
70
Super Plus
70
Cover
Personal Money (Excess: €/£70)
Ibex Standard
No Cover
Ibex Super
500
Super Plus
500
Cover
Cash Limit (Excess: €/£28)
Ibex Standard
No Cover
Ibex Super
150
Super Plus
150
Cover
Loss of Passport & Travel Documents (Excess: €/£70)
Ibex Standard
210
Ibex Super
500
Super Plus
500
Cover
Hijack & Mugging Benefit
Ibex Standard
1,400 (70/24 hrs)
Ibex Super
7,000 (280/24 hrs)
Super Plus
7,000 (280/24 hrs)
Cover
Personal Liability (Excess: €/£140)
Ibex Standard
2,000,000
Ibex Super
2,000,000
Super Plus
2,000,000
Cover
Legal Expenses (Excess: €/£280)
Ibex Standard
10,000
Ibex Super
25,000
Super Plus
25,000
Cover
Pet Care Expenses
Ibex Standard
Not Covered
Ibex Super
50 per day up to 250
Super Plus
50 per day up to 250
Cover
Business Plus Cover (Optional) (Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Replacement Business Colleague (cancellation/curtailment)
Ibex Standard
1,400
Ibex Super
2,800
Super Plus
2,800
Cover
Business Equipment, laptops, documents and samples
Ibex Standard
700 (400 single item limit)
Ibex Super
1,400 (500 single item limit)
Super Plus
1,400 (500 single item limit)
Cover
Replacement Business Documents & Sample
Ibex Standard
420
Ibex Super
720
Super Plus
720
Cover
Business Money
Ibex Standard
500 (Cash limit 250)
Ibex Super
1,000 (Cash limit 500)
Super Plus
1,000 (Cash limit 500)
Cover
Golf Cover (Optional) (Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Golf Equipment
Ibex Standard
2,100
Ibex Super
3,500
Super Plus
3,500
Cover
Green/Club Fees
Ibex Standard
280
Ibex Super
560
Super Plus
560
Cover
Golf Hire
Ibex Standard
140
Ibex Super
210
Super Plus
210
Cover
Hole-in-one (Nil Excess)
Ibex Standard
70
Ibex Super
140
Super Plus
140
Cover
Winter Sports Cover (Optional) (Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Piste Closure & Avalanche Delay (Nil Excess)
Ibex Standard
up to 280 (28/day)
Ibex Super
up to 560 (28/day)
Super Plus
up to 560 (28/day)
Cover
Winter Sports Hire
Ibex Standard
up to 280 (28/day)
Ibex Super
up to 560 (28/day)
Super Plus
up to 560 (28/day)
Cover
Winter Sports Pack (inc ski school and lift pass)
Ibex Standard
up to 210 (21/day)
Ibex Super
up to 420 (21/day)
Super Plus
up to 420 (21/day)
Cover
Owned winter sports equipment
Ibex Standard
420
Ibex Super
700
Super Plus
700
Cover
Hired winter sports equipment
Ibex Standard
210
Ibex Super
420
Super Plus
420
Cover
Cruise Plus Cover (Optional) (Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Missed Cruise Departure
Ibex Standard
300
Ibex Super
300
Super Plus
300
Cover
Cabin/ Stareroom Confinement (Nil Excess)
Ibex Standard
300 (50/ complete day)
Ibex Super
300 (50/ complete day)
Super Plus
300 (50/ complete day)
Cover
Cabin/ Stareroom Confinement (Nil Excess)
Ibex Standard
300 (50/ complete day)
Ibex Super
300 (50/ complete day)
Super Plus
300 (50/ complete day)
Cover
Unused Pre Booked Excursions
Ibex Standard
300
Ibex Super
300
Super Plus
300
Cover
Missed Port Itinerary Change Benefit
Ibex Standard
300 (50/ day)
Ibex Super
300 (50/ day)
Super Plus
300 (50/ day)
Cover
Cruise Connection
Ibex Standard
1,500
Ibex Super
1,500
Super Plus
1,500
Cover
Sports Equipment & Cycle Cover (Optional)(Excess: €/£70)
Ibex Standard
Ibex Super
Ibex Super
1,500
Cover
Owned, Hired Sports & Cycle
Ibex Standard
Not Covered
Ibex Super
1,500
Super Plus
1,500
Cover
Single Article Limit
Ibex Standard
Not Covered
Ibex Super
500
Super Plus
500
Cover
Hire or Replacement Equipment
Ibex Standard
Not Covered
Ibex Super
20 per day up to 400
Super Plus
20 per day up to 400
Cover
Enhanced Missed Departure & Travel Disruption Cover (Optional)(Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Missed Connection
Ibex Standard
1,000
Ibex Super
1,000
Super Plus
1,000
Cover
Substitute Accomodation
Ibex Standard
3,000
Ibex Super
3,000
Super Plus
3,000
Cover
Enforced Stay
Ibex Standard
1,500
Ibex Super
1,500
Super Plus
1,500
Cover
Gadget Cover (Optional) (Excess: €/£70)
Ibex Standard
Ibex Super
Super Plus
Cover
Number of Gadgets Insured (per person)
Ibex Standard
Not Covered
Ibex Super
5 (2,000 Overall Limit) (750 Maximum per item)
Super Plus
5 (2,000 Overall Limit) (750 Maximum per item)
Cover
Screen Repair Maximum Payable
Ibex Standard
Not Covered
Ibex Super
100 Non-iPhone
200 iPhone
400 Samsung Curved Screen
Super Plus
100 Non-iPhone
200 iPhone
400 Samsung Curved Screen
Cover
Unauthorised Usage Costs (per Incident)
Ibex Standard
Not Covered
Ibex Super
500 (100)
Super Plus
500 (100)
Cover
Trip Extension Cover (Optional) (Annual policies only)
Ibex Standard
Not Covered
Ibex Super
60 days
90 days (Max Age 66)
Super Plus
60 days
90 days (Max Age 66)
Area Definitions: Where we cover
Europe
- Albania
- Andorra
- Armenia
- Austria
- Azerbaijan
- Azores
- Belarus
- Belgium
- Bosnia-Herzegovina
- Bulgaria
- Channel Islands
- Corsica
- Croatia
- Cyprus
- Czech Republic
- Denmark (including Faroe Islands)
- Egypt
- Estonia
- Finland
- France (including Corsica)
- Georgia
- Germany
- Gibraltar
- Greece (including Greek Islands)
- Hungary
- Iceland
- Ireland
- Italy (including Aeolian Islands, Sardinia & Sicily)
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Macedonia
- Madeira
- Malta
- Moldova
- Monaco
- Montenegro
- Morocco
- Netherlands
- Norway (including Jan Mayen, Svalbard Islands)
- Poland
- Portugal (including Azores & Madeira)
- Romania
- Russia (West of the Urals)
- San Marino
- Serbia (including Kosovo)
- Slovakia
- Slovenia
- Spain (including Balearic & Canary Islands)
- Sweden
- Switzerland
- Tunisia
- Turkey
- Ukraine
- United Kingdom (including Great Britain, NI and the Isle of Man)
- Vatican City
Worldwide
- Worldwide (excluding USA, Canada & the Caribbean) and Worldwide (including USA, Canada & the Caribbean)
Exclusion: You are not covered for travel to a country or specific area if this is against advice issued by the UK Foreign & Commonwealth Office unless this has been agreed in advance by us.
Eligibility Criteria
1. This policy is only available if you are permanently resident in either Gibraltar, Portugal, or Spain.
2. By purchasing this policy, you have confirmed you understand that all claims, complaints and sales will be handled using the English Language.
3. You and your travelling companions named on this policy meet the age limits for cover:
Aged 79 or under for Single & Annual Multi Trip policies (70 in respect of Winter sports).
For Annual Multi Trip policies the age limit applies at the start date of your policy. For Single Trip Policies the age limit applies on the day you first travel.
4. You may not be insured if you are going to take part in sports & activities where there is a generally recognised risk of injury. Please refer to the 'SPORTS & ACTIVITIES' Section and check that this insurance covers you, or ask us.
5. If you have any pre-existing medical conditions, you must declare these fully to us during the application process as part of the medical screening process
Party Type Definitions
Couple: 2 adults living together at the same address as spouses, civil partners or a similar long term relationship.
Family: Any person that is related to you by blood or marriage. A family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.
Single-Parent Family: a single parent family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.
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