If you travel more than once or twice a year from Spain — back to the UK, across Europe, or further afield — annual travel insurance is the most convenient and cost-effective way to stay covered.
Get Your Quote Speak to Our TeamMost expats in Spain travel more frequently than they perhaps realise. Return trips to the UK to visit family or friends, short European breaks, winter escapes, business travel, or visits to grandchildren — it all adds up. Arranging a new travel insurance policy before every trip is time-consuming and, for frequent travellers, significantly more expensive than a single annual multi-trip policy.
Annual multi-trip travel insurance covers every trip you take during a 12-month period, up to the maximum duration per trip allowed by the policy. Most policies allow trips of 30, 45, or 60 days — which is sufficient for the vast majority of expat travel patterns. A single annual policy replaces the need to think about insurance before each journey.
At 247 Expat Insurance, we help expats in Spain find annual travel insurance that fits their actual travel habits — whether that means European-only cover for regular UK and continental trips, or worldwide cover for those who travel further. We arrange it in English and make the process simple.
An annual multi-trip policy for expats in Spain will generally include the following elements. The exact cover and limits depend on the policy level and options you choose.
The most important element. Covers the cost of medical treatment abroad if you fall ill or are injured during a trip. Limits typically range from €1 million upwards. Higher limits are needed for travel to the US.
The cost of bringing you back to Spain following a serious illness or injury requiring medical transport. This can be an extremely expensive cost without insurance in place.
Reimbursement of prepaid, non-refundable costs if you have to cancel a trip due to illness, injury, bereavement, or other covered reasons. Applies to trips booked after the policy start date.
Compensation for lost, stolen, or damaged baggage and personal belongings during your trip. Electronic items such as laptops and phones are often subject to separate limits.
Compensation or cost recovery if your flight is delayed beyond a certain threshold or you miss a connection due to a reason outside your control.
Cover if you accidentally cause injury to someone or damage their property during a trip and are held legally responsible for the costs.
Annual multi-trip cover is the most practical and cost-effective option for expats who travel regularly from Spain. It is particularly well suited to the following situations.
Annual travel insurance is straightforward, but there are a few areas where expats commonly run into problems. Being aware of them helps you get the most from your policy.
We are a specialist expat insurance team in Spain. We understand how expats actually travel — frequent UK trips, European breaks, and occasional longer haul journeys — and we find annual cover that fits your real travel pattern.
We know that expat travel patterns differ from tourists. We find annual policies that cover how you actually travel from Spain, including regular UK visits.
Whether you need European-only cover or worldwide protection including the US and Australia, we have options for your specific travel destinations.
We help you navigate the declaration process and find annual policies that cover pre-existing conditions as fairly as possible.
Everything is explained in English — policy terms, what is covered, what to watch for, and how to claim if you need to.
We are available every day for quotes and cover arrangements. Annual renewal reminders too — so your cover does not lapse without you realising.
Annual cover means you can book a trip and know you are covered. No last-minute policy searching before every departure from Spain.
This varies between policies, but most annual multi-trip policies cap individual trips at 30, 45, 60, or 90 days depending on the level of cover chosen. If you need to travel for longer periods — for example, spending extended time in the UK or visiting family abroad — you may need to check the maximum trip duration before purchasing. We make sure to clarify this when arranging cover so you are not caught out.
Yes, most annual travel insurance policies for expats in Spain will cover return trips to the UK. This is one of the most common uses for British expats who travel back regularly to visit family, attend medical appointments, or deal with property or financial matters. We confirm that your trips to the UK are covered when arranging your annual policy, as some policies have specific terms around cover in your home country.
As a specialist expat insurance agent, we cover all the main insurance needs you may have in Spain — not just one product.
We also offer a range of other travel cover options for expats living in Spain.
Speak to our English-speaking team about annual multi-trip cover. We are available 7 days a week and will match the right policy to how you actually travel.
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