Annual Travel Insurance

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Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£4,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£5,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£2,500
Cancellation Cover up to
£3,000
Medical Cover up to
£5m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£2,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,000
Cancellation Cover up to
£3,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£1,250
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
N/a
Cancellation Cover up to
N/a

Annual Travel Insurance

 If you take a number of trips a year – whether holidays, business trips, or both – you should consider getting annual travel insurance as you could save money.

Covering you for multiple trips with just one policy, annual travel insurance could save you time and money.

Check out our free, easy to use the annual travel insurance comparison table.

Is annual travel insurance right for you?

Are you likely to go on more than one holiday or business trip abroad this year?
If so, it may be well worth considering an annual travel insurance policy as it could cover travel mishaps like holiday cancellations, loss of personal items and injury abroad for all your trips – and can work out cheaper than taking out individual travel insurance policies. Other benefits of annual travel insurance could include:
  • You could be covered for an entire year from the policy start date – so there’s no need to apply for a new policy each time you go away as you will be covered for a whole year
  • Usually covers up to 31 days per trip (select specialist insurers could offer up to 45 and 60 days cover)
  • Domestic and regional travel may also be included on some annual travel insurance policies – ideal for UK-based breaks

How does annual travel insurance work?

Annual Travel Insurance Cover is available for as many trips as you wish to take during a 12 month period, with each trip usually covered for between 30 and 60 days depending on the travel insurance provider and the level of cover.
You can also decide to add optional extras to your annual travel insurance policy, to create a bespoke multi-trip travel insurance package that suits you. Option extras you might want to consider include:
  • Golf Equipment cover – protection for your golf clubs when you travel with them
  • Wedding cover – this could cover you for items such as lost rings, wedding dress damage in transit, or venue cancellation if you are planning on getting married abroad
  • Business Equipment cover – ideal if you plan on taking several business trips in a year
  • Winter sports cover – if you are a keen skier or snowboarder you will usually need to add specialist insurance to your policy

Things to remember when choosing annual travel insurance

However, it is important to compare annual holiday travel insurance policies before settling for one deal.
Factors to bear in mind include:
  • The online discount on offer
  • The level of medical expenses covered
  • Whether you are covered for scheduled airline failure
  • Some annual policies will limit the number of days you can spend abroad in one trip, or the total number of days abroad for the duration of the policy – so check the terms and conditions of your policy to make sure that your cover is adequate before you buy

When booking any holiday or trip abroad, travel insurance is an important consideration, and so is the price. We have a selection of market leading travel insurance deals for you to choose from, helping you to keep costs down, while ensuring you are covered for whatever you need to be. Use the table to compare some of the best travel insurance deals, and apply online today.

Why do I need travel insurance?

It’s very easy to get so caught up in planning your trip that you neglect to buy travel insurance – or just buy the first no-frills policy you can find, which isn’t much better. After all, none of us like to think about something going wrong on our travels. But here are few good reasons why you should always take the time to buy an appropriate travel insurance policy before you set foot on a plane:

  • Your flights could be delayed or cancelled: This may not be a life-or-death situation, but it’s still a major irritation – no one wants to have to hang around an airport for longer than is absolutely necessary. Many policies will compensate you if your flight is delayed for a certain length of time, or if it’s cancelled altogether.
  • You could become ill and need to go to hospital: Living in the UK with the benefit of NHS treatment, it’s easy to forget that much of the world’s healthcare systems operate on a pay-as-you-go premise – so if you need hospital treatment while on holiday and you don’t have adequate travel insurance, you could find yourself being discharged with a very large bill to pay. For example, if you break your leg while on holiday in the USA, your treatment could cost you a small fortune.
  • You could have an accident: If you’re planning on going skiing, snorkelling or skydiving, remember that many standard insurance policies won’t pay out for accidents that occur while taking part in ‘high-risk’ activities like those mentioned above. You will usually need to buy extra cover for these kinds of activities.
  • You might need to cancel your trip at short notice: If a family emergency or illness arises just before you’re scheduled to depart, you could stand to lose a lot of money if you need to cancel or postpone your journey. Check that your insurance provider covers you for as wide a range of cancellation reasons as possible.
  • Your possessions might get stolen: From major thefts to pickpockets in tourist hotspots, the risk of your money or belongings getting taken is a very good reason to ensure you’ve got the cover you need before you leave.
  • Your baggage might get lost or damaged in transit: Bags ended up in Tunisia rather than Toronto? Or has your suitcase arrived off the plane looking decidedly worse for wear thanks to careless handling in transit? A comprehensive travel insurance policy may mean you’ll be covered for these situations.

What’s covered by travel insurance?

The Foreign Travel Commission advises taking out a travel insurance policy that offers:

  • Medical and health cover for an injury or sudden illness abroad – with a minimum of £2m
  • 24-hour emergency service and assistance – useful if you get stranded
  • Personal liability cover – in case you damage something or injure someone and are sued
  • Lost/stolen possessions cover – look for a policy that covers both scenarios
  • Cancellation and curtailment cover – essential if you need to cancel or cut short your trip due to an unforeseen emergency at home
  • Terrorism – this is now covered by the majority of travel insurance policies, but check before you buy

What’s not usually covered by travel insurance?

The following are usually excluded from standard travel insurance policies:

  • Incidents related to drink or drugs
  • Incidents in which you have not taken reasonable care of your belongings – in the eyes of the insurance provider, you have a responsibility to do your best to ensure the security of your possessions or you won’t be covered

Types of travel insurance

  • Single trip – This will cover you for one trip, and is most cost-effective if you’re only planning on going away less than 2-3 times in a year.
  • Annual multi-trip – If you’re a frequent traveller, annual cover may be more cost-effective. This will usually cover you for an unlimited number of trips in a year, up to a maximum duration per trip (usually around a month)
  • Gap year/backpacker travel insurance – If you’re travelling for between three months and a year, you are likely to need specialist backpacker or gap year insurance, which is offered by many providers.
  • Winter Sports/Hazardous activities cover – You’ll need to take out extra cover for activities that are commonly excluded from standard policies – if you’re going skiing, bungee jumping or mountaineering, look for a policy that covers hazardous activities.
  • Specialist cover – if you have a pre-existing medical condition or are over a certain age, you’ll often need to find a specialist travel insurance provider. Cover may be more expensive than standard because you’re deemed a higher risk by the insurance company.