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.

Read more.

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?

Get a quote

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.

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.

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