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.
Medical Helpline
Emergency Medical Assistance Information
If you need emergency medical assistance whilst travelling away from your home, please contact Global Response.
Please quote your Certificate Number (which is shown on your policy documentation) and Scheme Reference Number VOY/IBX/2023/24
Global Response
Tel: +44 (0)2920 468 794
Email: operations@global-response.co.uk
Interested in getting a quote?
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.
The maximum trip duration for single trip is 180 days.
Cover
Standard
Super
Super Plus
Cover
Maximum trip duration for Annual trip
Ibex Standard
31 days
Ibex Super
45 days
Super Plus
45 days
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
Car Hire Excess Waiver Cover
Ibex Standard
Ibex Super
Super Plus
Cover
Excess Reimbursement
Cover
Europe
Ibex Standard
Not Covered
Ibex Super
€/£5,000
Super Plus
€/£5,000
Cover
Worldwide
Ibex Standard
Not Covered
Ibex Super
€/£10,000
Super Plus
€/£10,000
Cover
Towing Costs (following an accident)
Ibex Standard
Not Covered
Ibex Super
€/£500
Super Plus
€/£500
Cover
Key Cover and Lock Out €/£500
Ibex Standard
Not Covered
Ibex Super
€/£500 (per year)
Super Plus
€/£500 (per year)
Cover
Curtailment of Rental
Cover
Per Day
Ibex Standard
Not Covered
Ibex Super
€/£30
Super Plus
€/£30
Cover
Per Car Hire Agreement
Ibex Standard
Not Covered
Ibex Super
€/£300
Super Plus
€/£300
Cover
Drop-off Charges
Ibex Standard
Not Covered
Ibex Super
€/£300
Super Plus
€/£300
Cover
Mis-Fuelling
Ibex Standard
Not Covered
Ibex Super
€/£500 (per year)
Super Plus
€/£500 (per year)
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.
