Tipping Point: When should you take multi-trip travel insurance?

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When should you take multi-trip travel insurance?

Other than frequent travellers, if you holiday with your family abroad two-three times a year, annual multi-trip travel (AMT) insurance will work out to be cheaper than buying a policy every time you travel. The premium varies, depending on the number of days a traveller stays abroad. Some insurers may impose a 30-day limit for each trip. 

What are the exclusions in an AMT?