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Travel insurance

Travel insurance

Cover yourself, your family and any other travel companions with our comprehensive travel insurance policy..

Our travel insurance is available exclusively to UK residents with up to £15,000,000 cover for medical expenses and up to £5,000 per person for cancellations.

If you are a British national travelling to a country where the FCDO advise against travel at the time you are due to depart, then your insurance policy may be invalid. This could include destinations which Virgin Atlantic are flying to.

Please check here for up to date information: https://www.gov.uk/foreign-travel-advice

  Covid-19 cover included

Covid-19 cover is included as standard with our travel insurance, to take care of the health and cancellation costs that arise should you fall ill or need to cancel due to Coronavirus.

 Cruise cover included

Our policy includes additional benefits including cruise connection, missed port, cabin confinement and excursions cover.

virgin travel insurance annual

Key policy terms

Providing peace of mind for your trip

- Covid-19 cover for medical expenses and cancellation if you become ill or have to quarantine due to Covid-19

- Up to £15,000,000 medical assistance cover in the event of illness or an accident while away

- Up to £5,000 cancellation cover or if you have to cut your trip short

- Up to £2,000 in the event of loss, theft or damage to your personal possessions

Please ensure this insurance is suitable for the country you're travelling to.

If you are a British national travelling to a country where the FCDO advise against travel at the time you are due to depart then your insurance policy may be invalid. This could include destinations which Virgin Atlantic are flying to.

Please check here for up to date information:  https://www.gov.uk/foreign-travel-advice

Our partner, Allianz Assistance UK, is dedicated to providing answers to any questions, as well as claims information on  +44 (0) 20 8239 4030 .

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Best Annual Travel Insurance in 2024

Carissa Rawson

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you’re a frequent traveler, annual travel insurance may be something you’ve been considering. Unlike single-trip insurance, annual travel insurance plans can cover you for an entire year, no matter how often you’re on the road.

Let’s look at the best yearly travel insurance companies, why we choose them and the coverage you can expect.

Factors we considered when picking travel insurance companies

We used the following criteria when choosing which companies we thought were best:

Cost . Annual plans can be expensive — depending on the type of coverage you choose — so we wanted ensure that they stayed affordable. 

Types of coverage . Travel insurance for annual travelers can be limited in its coverage. We picked the ones with the broadest range of coverage for possible travel disruptions.

Coverage amounts . Annual trip insurance isn’t worth much if your limits are too low. Instead, we wanted plans with reasonable coverage amounts. 

Customizability . If your travels take you to different places, you’ll want the ability to customize your plan. The best annual travel insurance plans can provide this. 

» Learn more: What does travel insurance cover?

An overview of the best annual travel insurance

We gathered quotes from various travel insurance companies to determine the best annual travel insurance policies. In these examples, we used a year-long trip by a 22-year-old from Alabama. We indicated the main countries of travel as France and Malaysia, and when asked, put the total trip costs at $6,000.

The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386.

Let’s take a closer look at our top recommendations for annual travel insurance.

virgin travel insurance annual

1. Allianz Travel

What makes Allianz travel insurance great:

Lower than average cost.

Provides health care and travel insurance benefits.

Includes rental car insurance up to $45,000. 

Here’s a snippet from our Allianz Travel insurance review :

“AllTrips Basic (annual plan) is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.”

virgin travel insurance annual

2. Seven Corners

What makes Seven Corners great:

Offers up to $20,000 for acute coverage of pre-existing conditions. 

Includes up to $1 million for emergency medical evacuation. 

Optional add-on for adventure sport activities.

$0 deductible available. 

Here’s a snippet from our Seven Corners review :

“Seven Corners offers one annual policy called Travel Medical Annual Multi-Trip. The policy can be customized depending on how long you plan to be away from home for any one trip. You can travel as much as you like during the 364 days, so long as any one trip doesn’t exceed the option selected — 30, 45 or 60 days.”

virgin travel insurance annual

What makes IMG great:

Good customizability with medical evacuations and sports coverage. 

Low $250 deductible.

Includes coverage for semi-private hospital rooms. 

Here’s a snippet from our IMG review:

“Some policies provide emergency medical evacuation coverage, while others skip this benefit entirely. This benefit may be more important to you if you travel to a remote location or engage in physical activity such as trekking.

More comprehensive plans may include other benefits such as assistance with acquiring a new passport, reimbursing reward mile redeposit fees or coverage for pre-existing conditions. If these are something you’re interested in, be sure to check that your policy includes these options.”

virgin travel insurance annual

4. Trawick International

What makes Trawick International great:

100% coverage for trip cancellation and trip interruption. 

Emergency medical evacuation included. 

Trip delay reimbursement coverage. 

Here’s a snippet from our Trawick International review :

“Trawick International is a comprehensive travel insurance provider that offers trip delay and cancellation insurance, baggage delay coverage, medical coverage and medical evacuation, rental car damage protection, and even COVID-19 coverage among its various policies.

Trawick covers trips for worldwide destinations, including for foreign nationals coming to the U.S.”

What does travel insurance cover?

You’ll find a wide variety of coverage types offered by travel insurance policies. This is true whether you're purchasing a single-trip or annual travel insurance plan. Here are some common types you can expect to find:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip interruption insurance .

How to choose the best annual travel insurance policy

While we’ve highlighted some of the best annual travel insurance companies, the truth is that the best plan for you isn’t going to be the best plan for someone else. If you’re interested in buying annual travel insurance, you’ll want to collect a variety of quotes to see which policy best fits your needs.

This may mean opting for a plan that covers pre-existing conditions or one that specifically includes high-risk activities. Or, if you’re in a country where health care is notoriously expensive, you may want to choose a policy with higher maximums.

Many credit cards come with complimentary travel insurance .

Whatever the case, do your research first and review all the plan details before making your purchase.

» Learn more: How to find the best travel insurance

If you want to buy annual travel insurance

Annual travel insurance can be a great option if you’re often out of town. With such a wide range of policies available, selecting a plan that fits your needs is easy. We’ve done some of the work for you by choosing the best annual travel insurance companies, all of which made the top of the list for their cost, customizability, types of coverage and plan maximums.

Like any travel insurance policy, the cost of your plan is going to vary. Factors that may affect the cost of your annual travel insurance include your age, where you’re going, how long you’ll be traveling, your policy maximums and whether preexisting conditions are included.

Although not all travel insurance providers offer annual travel insurance, many of them do. We’ve gathered together the five best, including Allianz Travel, World Nomads, Seven Corners, IMG and Trawick International.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

virgin travel insurance annual

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

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Countries Visited: 197 U.S. States Visited: 50

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For the Frequent Traveler: The 11 Best Annual Travel Insurance Policies

GeoBlue Trekker Choice

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If you take multiple trips every year, insuring each one can be a hassle. There are forms to fill out, comparison shopping over and over again, and then remembering the policy documents for each specific trip. And then there’s the risk you might forget to take out travel insurance for one of your trips.

Plus, those costs add up. There must be a better way.

Enter annual travel insurance. Also known as multi-trip travel insurance, taking out an annual policy covers you for a whole year of travel. Not only is it simpler, it may be cheaper than taking out multiple single-trip policies. But is it right for you?

Annual travel insurance policies aren’t exactly the same as the trip insurance you’d buy for a weeklong holiday with your family. Here are the best annual travel insurance policies, what they do and don’t cover, and how to decide whether taking out a yearly policy might be right for you.

The 11 Best Annual Travel Insurance Policies

GeoBlue Travel Insurance annual plan comparison chart

GeoBlue offers 2 Trekker plans for annual coverage, which are unique in several ways. These plans cover preexisting conditions, COVID-19, and all travel outside the U.S.

However, they don’t cover any trips inside the U.S. or provide any coverage for canceled, delayed, or interrupted trips. Instead, these are travel medical insurance plans . With the GeoBlue Trekker Choice plan , you’ll get higher maximum payouts in all categories and pay a lower deductible ($100). However, note that this is still secondary coverage .

You’ll get unlimited access to telemedicine and coverage for trips up to 70 days in length . Additionally, coverage is available up to age 95, which isn’t offered on most other policies.

The GeoBlue Trekker Essential plan offers the same pros and cons as the Choice plan. The main differences are the lower maximum payout values and the higher deductible ($200 instead of $100). You also won’t get the Choice plan’s lost baggage and personal effects coverage, which can provide up to $500 per trip. Again, this secondary medical insurance policy is only valid on trips outside the U.S.

Trawick International Safe Travels Annual Basic page banner

Trawick International offers 2 annual plans, and the Safe Travels Annual Basic plan is more economical. You’ll have coverage for everything you expect in a trip insurance policy , such as 100% coverage for trip cancellation or interruption (up to a $2,500 annual maximum) and coverage for delays, lost luggage, delayed luggage, and even medical expenses. To make up for the lower cost of the plan, coverage limits are lower than what you’ll find elsewhere . However, if you want peace of mind while traveling, you can get it for a year and cover trips up to 30 days in length.

While Trawick International’s Safe Travels Annual Deluxe plan offers higher maximum coverage limits than the Basic plan, its maximum payouts for medical and evacuation benefits are lower than what you’ll find with competitors . Where this plan shines is in the coverage for change fees, lost deposits on tours, and coverage for lost items if an airline misplaces your luggage.

You’ll be covered for up to $300 per trip for prepaid excursions, up to 100% of your trip cost (with an annual maximum of $5,000) for trip cancellations or interruptions, and up to $150 per item and $750 per trip for personal effects. After signing up for a plan, you’ll also get a 10-day free look period.

If you want an annual plan with a low price tag , this could be what you’re looking for. The Allianz Travel AllTrips Basic plan covers you for unlimited trips up to 45 days each over the course of a year. Coverage includes emergency medical, emergency medical evacuation, baggage loss and delays, travel delays, rental car theft and damage, and travel accident coverage.

However, there’s a fair list of exclusions from this plan . That includes trip cancellation, trip interruption, missed connections, and change fees. As the name implies, you’ll get basic coverage at a basic price.

Allianz AllTrips annual plan options

The Allianz Travel AllTrips Prime option covers 365 days of trips, though the maximum trip length is just 45 days. While you’ll get coverage for all the standard travel insurance benefits, including trip cancellation, trip interruption, emergency medical, delays, and baggage mishaps, there are limits you should know about with this plan.

The travel accident coverage, which applies to death or the loss of a limb, maxes out at $25,000 per trip, baggage delay maxes out at $200, and baggage loss or damage maxes out at $1,000. The maximum coverage for emergency medical is $20,000, and costs can exceed that quickly in a true emergency.

However, this is a decent option if you want a fair amount of coverage across numerous categories without a high price tag.

For those worried about expensive business equipment or losing points and miles, this plan has you covered. On top of higher maximum payouts in categories such as trip cancellation, emergency medical transportation, or travel delays, you’ll also get rental car damage and theft coverage, change fee coverage, and reimbursement for renting business equipment if yours is lost, stolen, damaged, or delayed during a trip.

Moreover, you can be reimbursed up to $500 to cover fees for reinstating your points and miles if a covered trip is canceled or interrupted. The Allianz Travel AllTrips Executive plan also provides coverage for preexisting medical conditions if you meet certain criteria and buy at least 14 days before the first trip.

Allianz AllTrips Premier start quote page

Allianz also has a customizable AllTrips Premier plan , allowing you to choose between several payout tiers for trip cancellation and interruption. You’ll pay more when choosing higher maximums, but this allows you to choose exactly what you want in coverage and not pay for more than you need. Another positive is coverage for preexisting medical conditions if you meet certain criteria and buy your policy at least 14 days before your first trip.

You’ll also get rental car damage and theft coverage , $500,000 of emergency medical transportation coverage, $50,000 of emergency medical, and coverage for travel delay expenses after a delay of 6 hours or more. The baggage delay coverage is up to $2,000, but it requires a delay of 12 or more hours. The maximum trip length allowed is 90 days.

The AIG Travel Guard Annual Travel Insurance plan isn’t available to Washington state residents. Still, it provides coverage for trip interruption, trip delay, lost baggage, delayed baggage, and missed connections, as well as both medical and security evacuation, accidental death and dismemberment, and travel medical expenses. However, the coverage limit for dental is just $500, and the maximum coverage for travel medical expenses is just $50,000. Those are lower limits than other plans. Additionally, trip cancellation isn’t included.

However, Travel Guard has some strengths. Trip delay coverage applies for up to 10 days and requires a delay of just 5 hours, and the missed connection benefit applies after just 3 hours. You get a “free look” period of up to 15 days to cancel for a refund, so long as you haven’t started your trip or filed a claim. Maximum coverage for any particular trip is 90 days.

ASI Affinity Voyager annual plan

USI Affinity’s Voyager plan has a Silver and Gold option , and pricing is easy to determine from the chart. Simply find your age bracket and the associated cost. The key differences between the plans are in the higher maximum payouts for nearly every coverage type with the Gold plan, other than emergency dental and accidental death and dismemberment. However, the Gold plan also includes coverage types the Silver plan doesn’t: political and natural disaster evacuation, airline ticket change fees, and trip interruption. However, trip cancellation isn’t included with either plan .

The maximum trip length is 90 days, and coverage for Silver and Gold plans lasts for 364 days. An unlimited number of international and domestic trips are covered, and you’re covered for trips as little as 100 miles from home. That’s a lower requirement than most other plans (which tend to require 150 miles).

This plan is ideal for those who don’t live in the U.S., as other plans on this list are only available to U.S. residents and citizens. While the plan technically lasts for 364 days, Seven Corners’ Travel Medical Annual Multi-Trip plan is customizable. It lets you choose a maximum trip length of 30, 45, or 60 days and include or exclude coverage for the U.S. Note U.S. citizens and residents cannot add coverage for inside the U.S.

Seven Corners also provides coverage for travelers aged 14 to 75 years, though maximum payouts decrease in some categories for those aged 65 and older. If you receive medical care in the U.S., Seven Corners will pay 90% of the first $5,000 of covered expenses and 100% of the cost afterward. You’re covered 100% outside the U.S. Note that coverage doesn’t apply to your home country (which includes the U.S. if you’re a citizen, even if you live in another country) and isn’t available in Antarctica, Cuba, Iran, Israel, North Korea, Russia, Syria, or Ukraine.

We considered another plan. Here’s why this annual travel insurance policy didn’t make our “best of” list.

IMG Patriot Multi-Trip International : For trips inside the U.S., you may be on the hook for 20% of your medical expenses if you visit a provider outside IMG’s PPO network. Additionally, the maximum trip length is 30 days, and coverage limits are quite low in multiple categories. These include $50,000 for emergency medical evacuation and $10,000 for political evacuation, a maximum of $50 per item and $250 overall for lost luggage, a $100 maximum for dental treatment, and $25,000 for accidental death and dismemberment 24/7 coverage.

Annual travel policy plans vary considerably. Most provide secondary medical insurance, so you may need to submit to your other coverage (home healthcare plan, credit card insurance provider, etc.) first and then submit to your travel insurance provider for any remaining expenses or deductibles. If you won’t have other coverage, you may want to look for a plan that provides primary health coverage instead. Also, understand that most plans provide reimbursement, so you would pay out of pocket for overseas hospital visits and then submit to your insurance provider for reimbursement after the fact.

What Is Annual Travel Insurance?

Annual travel insurance covers you for many trips over the course of a year (or sometimes 364 days). Rather than needing to buy a travel insurance policy for each trip separately — which can add up — you can buy a single policy that covers all your trips for the next year. It’s important to understand the terms of these policies, though. Some may require buying coverage in advance, such as 14 days before your first trip, while that requirement normally doesn’t exist on single-trip travel insurance.

It’s also important to note which types of trips and destinations are covered by your policy — and which aren’t. Look for how far from home you must travel to be covered and whether domestic trips are included. Moreover, consider what benefits you’re looking for. These can vary from medical-only to all the bells and whistles, such as baggage delay and medical evacuation. Once you know the type of coverage you want, you can find a policy or policies that align with your needs, helping you narrow down your options to conduct a more effective comparison.

Annual travel insurance works as an umbrella policy, covering all your trips during the policy period. You don’t need to inform the policy provider about each trip’s start and stop dates or destinations. You simply buy a policy, and then you’re protected for every trip that meets the conditions while your policy is in effect. Some regions may be excluded from coverage, and you may be subject to a maximum trip length.

Trip length is an important element to pay attention to. Annual travel insurance doesn’t cover you for a year-long trip. It covers you for a year for many small trips within that time, typically up to 30 or 45 days per trip. If you’re looking for a plan to cover you during a year-long trip to another country, you should look for specialized plans for study abroad, mission work, or other situations that apply to you. Traveling full-time? You may need a policy geared toward digital nomads and backpackers.

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and determine that the cost of insuring each alone would be higher than that of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want.

Considering that single-trip plans can sometimes be found for $10, yet an annual trip is likely to cost $150 or more per adult, you’d need 15 trips to justify the annual policy. However, that’s not really an apples-to-apples comparison, as a $10 basic travel insurance policy won’t provide as much coverage as you’re likely to find on even the most basic of annual policies.

It’s also not just about the number of trips you take but the types of trips, the complexity of the trips, and money at risk in nonrefundable costs. The more of these you foresee in your next year of travels, the more likely an annual plan would be good for you.

Couple reviewing financial documents

We already highlighted that annual policies don’t cover traveling nonstop for a year due to their restrictions on the maximum trip length. Annual travel insurance policies also restrict how far you must travel for coverage to kick in. Driving to the next town over may be a trip in your kids’ eyes, but it’s probably not far enough for your travel insurance to kick in.

While coverage varies by policy, you’ll typically have coverage for sickness, accidental death and dismemberment, lost or delayed luggage, trip cancellation, and possibly injuries during skiing or snowboarding. However, it’s important to read the terms of each policy because coverage maximums and inclusions vary widely. Some policies only provide medical coverage, while others offer robust coverage across the board.

Each policy specifies a maximum trip length. How trips longer than that are treated can vary. Most policies won’t cover any expenses related to a trip longer than the maximum trip length. Suppose you take a trip of 41 days on a policy with a maximum of 40 days. In that case, claims for delayed luggage or medical expenses may be rejected when the claim evaluator asks for your trip confirmation details.

However, GeoBlue covers the first 70 days of any particular trip. If something goes wrong during that time, you’re covered. You’re on your own for anything that happens on days 71 or beyond. Still, you’re covered on those first 70 days, despite taking a longer trip.

If you foresee long trips in the future, make sure you understand these rules.

For some travelers, yes, annual travel insurance is worth it. For others, it’s not.

Annual travel insurance is worth it when it costs less than what you’d pay to insure each trip individually. It’s also worth it if you think you might forget to purchase some of those individual policies throughout the year and would prefer to be done with them for another 365 days.

However, annual travel insurance isn’t worth it if you only take a few trips a year, they’re mostly domestic, and you don’t have major nonrefundable expenses. If you’re traveling within the U.S. with your standard health insurance policy in effect and you have credit cards that provide trip insurance for delays or cancellations, that coverage may be sufficient.

Family playing at the beach with snorkel

Costs will vary by your home state, age, and number of people included in the policy. Here are the “starting at” costs for our best annual travel insurance policies, sorted from lowest to highest:

Yes and no. Using a credit card to pay for your trip can provide some built-in protections. However, you should be mindful of annual maximums on any policy. You may run into limitations such as a maximum of 2 claims per 12-month period or similar exclusions. If you take many trips, that could be an issue.

To better understand what is and isn’t covered, check out our complete guide to credit card insurance .

To choose the right policy, look beyond the cost alone. Rather than immediately choosing the cheapest policy, find the policy or policies that provide the coverage types you want with payout maximums that cover your travel plans for the next year — both confirmed bookings and likely plans.

Consider your coverage needs. Will you be carrying expensive items such as scuba equipment for a trip to the Galapagos or top-notch camera lenses for a bird-watching tour in Papua New Guinea? How many extreme sports will you participate in?

Conversely, how many “never heard of this airline before” flights will you take to get off the beaten path? These are flights where you may be worried about cancelations that lead to extra costs or a misplaced suitcase.

Consider the types of trips you’ll take and the up-front money at risk if something goes wrong or you get delayed, then look at which plans align with your travels. From there, choose the best plan that aligns best with your needs, which may or may not be the cheapest one.

As an annual travel policy holder myself, I promise you that having the right plan is important when you wind up in a remote hospital in Tanzania with malaria.

Woman Sick in Bed Sneezing

Annual travel insurance isn’t right for everyone. However, it makes sense for those who travel often and could save money by taking out a single policy instead of many separate policies. It also makes sense if you’d prefer to avoid filling out paperwork numerous times throughout the year for each trip.

Annual travel insurance policies aren’t great for those who tend to travel closer to home, don’t have major nonrefundable travel expenses, or need to customize coverage for each trip because their travels tend to vary. For example, you might need different coverage for a backcountry ski trip with friends versus a 2-hour drive with your family.

Look at what annual policies do and don’t cover and see if these align with your travel goals and needs. Then, consider the prices for the plans that align well with your situation. After taking an informed look, you should have a good idea of whether an annual policy is right for your situation.

Frequently Asked Questions

Is yearly travel insurance worth it.

For some, yes. For others, no. Annual travel insurance is worth it when the cost is less than what you’d pay to insure each trip separately or you would prefer to just sign up once then be done for a year. However, annual travel insurance isn’t worth it if you only take a few, mostly domestic, trips a year where your healthcare coverage works, and you don’t have major nonrefundable expenses.

How much does annual trip insurance cost?

Costs vary greatly depending on the type of coverage you want. Annual travel insurance plan costs range from $140 to $500 for a single person. If you take a lot of trips, the cost can be worth it over the course of a year, but each person’s situation is different.

When should I take out annual travel insurance?

You should buy your annual travel insurance policy as soon as you know you’ll have multiple trips in the next year and that the cost of insuring each alone would be higher than the cost of a single multi-trip plan. What’s the break-even point on that cost? It depends on the coverage you want. Look at the different types of coverage and your expected costs for insuring each trip separately, then see if it makes sense for you.

Does annual travel insurance automatically renew?

It varies by policy provider, but some companies have an auto-renew feature to ensure you don’t have gaps in coverage.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and now plans to let his wife choose their destinations. Over the years, he’s written about award travel for publications including AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, and Forbes Advisor.

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Virgin Money Travel Insurance Review: Is it Right for You?

Virgin Money

  • All plans include Baggage and SAFI
  • Can buy direct or through comparison sites
  • No compensation for any air miles, cruise miles or holiday points used to pay any part of a trip
  • No cruise specific cover (e.g., Cabin confinement, Emergency airlift to hospital, Missed port, Unused excursion)

Editor's Rating

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here .

Find Cheap Travel Insurance in Your Area

Protect your holiday today. Quick quotes from 20 insurers.

Virgin Money offers solid value across a number of travel insurance plans that cater to a range of needs, from those on a budget up through premium holiday cover. All plans include the three critical aspects of holiday cover: Cancellation, Emergency Medical and Baggage. Plus, you'll get cover for Delayed Departure and Scheduled Airline Failure on most plans, and Winter Sports included on most Annual, Multi-Trip policies. Read our review to learn about features and prices of Virgin Money travel insurance—plus we'll explain the main differences between buying direct from the Virgin Money site versus buying through a comparison site, to help you decide where to buy.

  • Virgin Money Overall Review
  • Virgin Money Price Comparison
  • How Virgin Money Plans Differ on Comparison Sites
  • Virgin Money Features, Policy Limits and Coverage Options

Virgin Money Policy Wording

There is no "best" travel insurance—the best for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Virgin Money Travel Insurance Review: What You Need to Know

Virgin Money offers a series of holiday cover plans for reasonable prices, to suit those wanting a budget plan with just £1,500 of Cancellation and £1,000 of Baggage all the way up to those with more luxury holidays needing up to £7,500 for Cancellation and £3,000 of Baggage cover per person.

The cheapest Virgin Money travel insurance is the "Economy" plan, which is only available through comparison sites . The top-tier plan is the "Gold" plan, and this is only available directly from Virgin Money. Here's a high-level overview of their plans:

What's included?

Trip Cancellation, Emergency Medical, Legal Assistance, Personal Accident and Personal Belongings/Baggage are included on all policies—as is Scheduled Airline Failure . But end supplier failure is only on Premium and Gold plans (the top tier from comparison sites and direct).

Even the lowest tier plan includes some Missed Departure and Baggage Delay cover. However, there's no protection against natural disasters such as tsunamis, earthquakes, landslides, volcanic eruptions (including volcanic ash clouds), hurricanes, etc.

Like many other travel cover plans, kids basically go free (up to 3 children under the age of 18, per insured adult).

For those heading to the slopes, Winter Sports is optional now (they used to include it on annual plans). In terms of other travel insurance add-ons , cruise-specific cover is not an option on Virgin Money travel insurance, so if you're going on a cruise you may want to consider other holiday cover providers for access to features like Cabin Confinement, Unused Excursions and Missed Port.

Pre-Existing Conditions: As part of the online application you'll be asked a series of brief medical questions. If you have a medical condition, Virgin Money may be able to offer cover for some pre-existing medical conditions , for which you'll probably be required to pay a higher premium. Pre-existing conditions are only covered if they've been fully declared, accepted and paid for.

Covid: Virgin offers pretty good Covid benefits. Here's a sample of what's covered, extending Cancellation and Curtailment cover.

Cancellation:

  • You, Your Relative, a member of Your household or travelling companion or a friend with whom You had arranged to stay has a diagnosis of COVID-19 within 14 days of Your booked departure date, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19.
  • You being denied boarding on Your prebooked outbound travel due to You contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.

Curtailment:

  • Death of Your Relative or a member of Your household living in the United Kingdom contracting COVID-19, as certified by a Medical Practitioner following a medically approved test showing a positive result for COVID-19 or having a confirmed temperature above 38 degrees Celsius.
  • The hospitalisation as a result of COVID-19 for treatment with mechanical ventilation, of Your Relative or a member of Your household living in the United Kingdom.

How do Virgin Money Travel Insurance Prices Compare?

Virgin Money travel insurance premiums are in line with market averages. Only Virgin's top-tier Black plans cost more than the average cost of holiday cover (shown by yellow bars in the charts below), whether you're travelling to geographies like Europe or America . Given that Baggage and Travel Delay are covered on all plans, we think Virgin Money offers solid value for money.

However, insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

Buying Direct vs Using a Comparison Site

There are two ways to buy a Virgin Money travel insurance policy: direct from Virgin Money or via a comparison site like MoneySuperMarket. Broadly speaking, the cheapest plan is Economy, which is only available from comparison sites; the plan with the highest cover is the Gold plan, only available from Virgin Money direct.

There are pros and cons to both sources in terms of features and price points. We'll try to explain the differences to help you understand whether buying direct or through an aggregator (e.g., a comparison site) better suits your individual needs.

If the lower limits of the Economy or Standard plan are good enough for your needs then you can probably save money buying through the comparison site because our research revealed that the cost of Virgin Money's "cheapest" cover from each source can easily be 40% to 50% cheaper when buying through the comparison site —that is, Economy plans are consistently cheaper than Red plans.

Benefits of Buying via Comparison Site

If you're after a budget travel insurance plan, the cheapest holiday cover from Virgin Money is the Essential Plus plan, which is available only on comparison sites. Depending on details like geographic cover, you'll probably find cheaper plans on comparison site, but for a given level of cancellation cover, you might get higher limits in some other areas. For example, Red (direct) has £3,000 of cancellation as does Premium (comparison site), but Premium has higher limits for emergency medical, personal accident, personal possessions, financial failure, missed departure and more. But Red has higher travel delay benefits. And the excess is twice as much on the Premium plan. Also, direct plans include some level of gadget cover (and you can buy more), but comparison site plans only cover gadgets if you buy the add on. So there are trade offs.

Types of Virgin Money Travel Insurance Policies

Virgin Money offers five tiers of travel insurance—Economy, Standard, Premium, Red, Silver and Gold. The first three (Economy, Standard, Premium) can be purchased on a comparison site; Red, Silver and Gold are available direct from Virgin Money. All policies include Emergency Medical, Baggage and Cancellation/Curtailment.

Winter Sports cover can be added to Single Trip plans for an additional cost but is INCLUDED in Annual, Multi-Trip plans.

The upper age limits vary depending on whether you buy direct or through an aggregator site. Plans bought from comparison sites have lower upper age limits, so people in their 70s or above may have better success buying direct.

Age Limits When You Take Out a Virgin Money Travel Insurance Policy

While you can take as many trips as you want each year with a Virgin Money Annual, Multi-Trip policy, there are limits on trip length, depending on your age.

Virgin Money Trip Lengths for Annual Policies Vary According to Policy Type

  • Economy: 31 days
  • Standard: 31 days
  • Premium: 45 days
  • Red: 31 days
  • Silver: 45 days
  • Gold: 94 days

Single trips are limited to 90 days, unless agreed by them in writing.

Cover Limits

Here is a quick, high-level recap of what's on offer from comparison sites and direct:

For further information, please review the policy documents. If you would like us to go into more depth here, please let us know in the comments section at the bottom of this review!

Gadget and Valuables Extension:

Direct plans receive some level of gadget cover (e.g. for loss up to £500 for Red and Silver and £750 for Gold); plans bought from a comparison site don't include gadget as standard. But prior to leaving your home area, if you pay the appropriate extra premium Virgin Money can extend your cover to:

Unauthorised usage is limited to £1,000 for all options.

Notable Features

Here are some highlights of features available on Virgin Money travel insurance policies. Standard features like Medical and Personal Liability are also included on Virgin Money policies, limits for which can be found below in the Policy Limits section . For more complete details like inner limits and exclusions, please refer to the policy documents .

Bottom Line: We like that all Virgin Money plans include Baggage, which is the most common reason to claim on holiday cover. A range of reasonably-priced plans mean there's cover for a variety of customer profiles, from those heading on a cheap and cheerful holiday in the sun to those who have more at risk for a premium holiday.

  • Virgin Money Policy Wording for Comparison Sites
  • Virgin Money Policy Wording for Direct Sales

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn .

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All you need to know about annual travel insurance policies

Ashley Kosciolek

As demand for travel soars and everything from weather to staffing issues leads to higher prices and cancellations, it's more important than ever to protect your trip arrangements with travel insurance .

However, it's not always easy figuring out which type of plan to pick. There are standard policies that cover general delays, interruptions and cancellations; "cancel for any reason" plans that account for personal whims in addition to unforeseen circumstances; and lesser-known annual options.

In this article, I'll go over what you need to know about the third type: annual travel insurance coverage.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

What is annual travel insurance?

virgin travel insurance annual

Annual travel insurance plans (also known as multi-trip plans) last for one year and generally cover all trips taken within that period until either the policy expires or the maximum payout amounts are reached. The policy usually kicks in for trips that take you more than a certain distance from home.

For example, my Allianz AllTrips Prime annual plan remains in effect for one year following the purchase date of my policy. I'm covered on all trips during which I'm at least 100 miles from my residence.

This differs from standard travel insurance, which is purchased on a per-trip basis and covers only one specifically insured journey per policy. Standard policies begin when travel for the insured trip begins and end when the insured trip ends, rather than covering multiple travel experiences within a specific period of time.

What does annual travel insurance cover?

Coverage depends on the plan you purchase. There are usually several tiers from which to choose, with the lowest offering the least coverage and the highest offering the most.

Using my policy as an example, I'm covered for up to $3,000 per year in trip interruption expenses, including hotel room coverage at $250 per night, which I used when I was recently isolated for 10 days after testing positive for COVID-19.

My policy also offers a $3,000 annual trip cancellation benefit, $20,000 in emergency medical coverage, $100,000 in emergency transportation (including medevac services), $45,000 in rental car theft and damage protection, $25,000 in travel accident coverage and $1,000 for essentials in the event of baggage loss or damage, along with a handful of other small benefits.

Note that many annual policies do not include things like "cancel for any reason" coverage or trip interruption benefits. If those items are important to you, check with your provider before making a purchase.

How much is an annual travel insurance policy?

Sure, an annual travel insurance policy may sound great, but how much does one cost? I was surprised to find that insuring your trips for a whole year with an annual policy is often not much more expensive than insuring one or two trips individually, depending on the options you select.

A decent annual travel insurance plan will likely set you back a couple hundred dollars. The more coverage you add, the more expensive the plan will become. The cost also changes depending on variables like your age and where you live.

The best thing to do is contact your preferred provider for a quote or check out an aggregator like InsureMyTrip to compare premiums.

Which companies offer annual travel insurance plans?

virgin travel insurance annual

The Points Guy recommends the following travel insurance providers , all of which sell annual or semi-annual policies:

  • Allianz Travel Insurance .
  • Seven Corners .
  • Travel Guard .
  • World Nomads .

When should I purchase annual travel insurance?

There are several reasons why annual travel insurance might be better for you than separate policies for individual trips. If you travel a lot — more than two or three times annually — it could be more cost-effective than purchasing separate policies for each journey.

For me, it makes sense because I travel for a living, often taking a dozen or more trips each year. Also, much of my travel is comped, which makes insurance more difficult to acquire. (If I haven't paid for a cruise, flight or hotel, I can't attach a dollar amount to it and, therefore, often can't insure it. I also wouldn't be able to provide purchase receipts in the event something went wrong and had to file a claim.)

Other factors to consider include your health, how adventurous your travels might be, whether you have coverage as a credit card perk and how much your travel arrangements cost versus how much coverage you can get with an annual plan versus individual policies.

Another consideration right now is COVID-19. For me, the annual plan made sense because most of Allianz's individual plans don't cover issues linked to COVID-19. However, the annual coverage I purchased does.

Other things to know about annual travel insurance policies

Here are a few additional tidbits I learned after filing a trip interruption claim under my annual travel insurance policy. Keep them in mind when deciding if an annual policy is right for you.

  • Before committing to the purchase of any travel insurance plan, make sure to inquire about specific components that are important to you. For me, those were COVID-19 coverage, trip interruption benefits and medevac coverage.
  • Know that your coverage does not reset each time you travel when you opt for an annual policy. So, if you have a trip that goes awry, you file a claim and you max out the benefit allowed by your plan, you won't have that benefit available to you for the remainder of your policy year.
  • Depending on your policy, you might have to return home between travel sessions in order for each trip to be covered. Taking several back-to-back trips could prevent them from qualifying for coverage under your annual insurance plan, so be sure to read the fine print, and plan accordingly.
  • If you purchase annual or multi-trip travel insurance, keep your policy card and provider phone number with the other important documents you bring when you travel so they're easily accessible in a pinch.
  • If you find yourself in a covered situation for which you'd like to seek reimbursement, keep all receipts and take photos that will help to support your claims when they're submitted.
  • Don't assume all your expenses will be reimbursed, even if you think they'll be covered. It doesn't hurt to try, but in my case, my Allianz plan only partially covered the hotel expenses I submitted.
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Virgin Money Travel insurance

Virgin Money Travel Insurance

Find out if virgin money has the right travel insurance for your next trip.

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In this guide

Who is Virgin Money?

Virgin money and pandemic cover.

  • What are Virgin Money's cover options
  • What's covered under these policies?

What is my excess?

What is the claims process for virgin money travel insurance.

virgin travel insurance annual

Virgin Money is a financial services brand from the Virgin Group, and launched operations as Virgin Direct in 1995. The Virgin Money brand was introduced in 2000, and has increased vastly in size since then, now reaching 4 million customers.

Virgin Money now offers banking services, insurance, currency exchange, and numerous more financial services.

Who underwrites Virgin Money's travel insurance?

When planning a trip away, you want the peace of mind that you’re covered if something goes wrong. Travel insurance is the best way to make sure you’re protected in an emergency, and if you’ve had something go wrong when you’re abroad before, you know how important it can be.

Virgin Money has relaunched travel insurance for new customers with additional cover for coronavirus.

New customers can now buy policies which will include cover for medical expenses, cancellation and curtailment as a result of being diagnosed with Coronavirus. Existing customers are now automatically covered.

New customers will benefit from:

  • Medical expenses – policyholders will be covered for medical expenses if they require treatment for coronavirus while abroad. Additional accommodation costs (up to £2,000) will also be included if treatment means customers need to extend their trip.
  • Cancelling or cutting a trip short – customers will also be covered if the policyholder, or a member of their family or travelling party, are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional.

What are Virgin Money’s cover options

Virgin Money offer single-trip, annual multi-trip and backpacker insurance, as well as a range of optional extras.

With each of their cover options, Virgin Money offer four levels of cover: Red, Silver, Gold and Black. With Red being the lowest form of cover, and Black being the highest, the level of cover and other benefits vary for each option.

  • Single trip cover
  • Annual multi trip cover
  • Backpacker travel insurance
  • Optional extras

Virgin Money’s single trip cover is intended to cover you for just one trip you make.

Features of the policy include:

  • Cover for 88 different sports and activities
  • 24/7 emergency medical assistance helpline
  • Exclusive discounts to all Virgin Group customers
  • Cover for lost, damaged, delayed or stolen baggage and money

Virgin Money’s annual multi trip cover allows you to take an unlimited amount of trips within a year. Each trip can be as long as 31 days for Red cover, and up to 90 days with Gold or Black cover.

  • Winter sports are covered as standard
  • Hassle free for all-year cover

Features of the policy:

  • Ideal for student gap years
  • Can add optional extras to suit your needs
  • Cover for up to 88 different sports and leisure activities
  • Travel disruption cover
  • Winter sports cover
  • Adjustable excess levels
  • Business cover

What’s covered under these policies?

All of Virgin Money’s travel insurance policies offer the same four levels of cover. As you would expect, policy payouts increase for each category as you move from red to black cover.

All levels include cover for the following areas:

  • Medical expenses
  • Hospital benefit
  • Delayed baggage
  • Personal money
  • Cancellation
  • Delayed departure
  • Missed departure
  • Trip cut short

An excess is the amount of money you contribute to each claim you make before Virgin Money pay out. The excess is different for each of the policy options, but you have the choice to adjust the excess level to suit what premium you would like to pay.

Make sure to check your policy schedule where your excess information will be shown in detail.

To make a claim with Virgin Money you will need to get in contact by phone. email or by letter. Virgin Money will then reply and send a claims form to you, which you will have to fill out and attach any documents they’ve asked for. Once Virgin Money have your form and documents, they’ll process your claim.

If you need to call Virgin Money in an emergency, call +44 (0)207 748 8908.

For general claims, call +44 (0)330 400 1265, or email: [email protected].

If you would rather write to Virgin Money, the mailing address is: Virgin Money Travel Insurance Claims One Victoria Street Bristol Bridge Bristol BS1 6AA

Travel insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use . When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

virgin travel insurance annual

Chris Lilly

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

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The 5 Best Annual Travel Insurance Plans of 2024

virgin travel insurance annual

Allianz Travel Insurance »

virgin travel insurance annual

AIG Travel Guard »

virgin travel insurance annual

Seven Corners »

virgin travel insurance annual

GeoBlue »

virgin travel insurance annual

Trawick International »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Annual Travel Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • AIG Travel Guard

Buying travel insurance can be a smart move for most trips, but those who travel more than a few times a year should consider an annual travel insurance policy. Whether you regularly travel for business and/or take several vacations a year, annual travel insurance plans can help you get the coverage you need without having to price out and purchase protection every time you leave home.

If you find yourself in a situation where an annual plan makes sense, know that not all travel insurance companies offer this kind of coverage. You'll also want to consider the available annual travel insurance plans to see which options make sense for your travel style and the level of coverage you want.

Frequently Asked Questions

Annual travel insurance plans all work in their own way, but the majority let travelers pay one annual premium for coverage that lasts for up to 364 days. These plans often limit the length of individual trips that are covered within the coverage year. Per-trip and annual limits on coverage can also apply.

In some cases, annual travel insurance plans require a deductible or coinsurance for certain types of coverage. If you're considering an annual travel insurance plan because you take multiple trips each year, make sure you read over the policy details and understand all coverage limits and trip limits that apply.

The cost of annual travel insurance typically varies based on factors like the age of the travelers applying, included benefits and coverage limits. You will want to shop around to compare plans across multiple providers using a platform like TravelInsurance.com or Squaremouth before you settle on a travel insurance policy.

To provide an example of the cost of annual travel insurance, U.S. News applied for a quote for two 40-year-old travelers seeking coverage for eight trips over a 12-month period. The Squaremouth travel insurance portal quoted policies with costs that range from $206 for the GeoBlue Trekker Essential plan to $610 for the Safe Travels Annual Deluxe plan by Trawick International.

Annual travel insurance can be worth it if you take multiple trips each year and want to make sure you always have coverage in place. After all, the alternative to having a multitrip policy is buying a new travel insurance plan for every vacation you take. That's not always feasible for frequent travelers who are always jetting off somewhere new – often at the last minute.

Just keep in mind that annual travel insurance plans tend to come with lower coverage limits than plans for single trips, and that you'll pay a premium for coverage that comes with comprehensive benefits and high limits for medical expenses and emergency evacuation.

  • Allianz Travel Insurance: Best Overall
  • AIG Travel Guard: Best for Basic Coverage
  • Seven Corners: Best for Medical
  • GeoBlue: Best for Expats
  • Trawick International: Best for the Cost

Tailor your annual travel insurance plan to your needs

Most plans include coverage for trip cancellation and interruption, travel delays, medical expenses, and more

Lowest-tier plans (AllTrips Basic and AllTrips Prime) come with no or relatively low coverage limits for trip cancellation

Most annual plans (except for AllTrips Premier) do not cover trips longer than 45 days

  • Trip cancellation coverage worth up to between $2,000 and $15,000
  • Trip interruption coverage worth up to between $2,000 and $15,000
  • Emergency medical coverage worth up to $50,000
  • Up to $500,000 in emergency medical transportation coverage
  • Up to $2,000 in coverage for lost or damaged baggage
  • Up to $2,000 in coverage for baggage delays
  • Travel delay coverage worth up to $1,500 ($300 daily limit)
  • Rental car coverage worth up to $45,000
  • Up to $50,000 in travel accident coverage
  • 24-hour hotline assistance and concierge service

Annual Travel Insurance Plan offers year-round travel insurance protection

Relatively high limits for medical expenses ($50,000) and emergency evacuation ($500,000)

No trip cancellation coverage and relatively low limit ($2,500) for trip interruption coverage

No coverage for preexisting medical conditions

  • Up to $2,500 in coverage for trip interruption
  • Up to $1,500 in coverage for trip delays of five-plus hours ($150 per day limit)
  • Missed connection coverage worth up to $500
  • Up to $2,500 in baggage insurance
  • Baggage delay coverage worth up to $1,000 for delays of at least 12 hours.
  • Up to $50,000 for emergency medical expenses ($500 for emergency dental sublimit)
  • Up to $500,000 for emergency evacuation and repatriation of remains
  • Up to $50,000 in accidental death and dismemberment (AD&D) insurance
  • Up to $100,000 in protection for security evacuation

Provides coverage worth up to $250,000 for emergency medical expenses

Tailor other included benefit levels to your needs

Coverage only applies to trips up to 40 days

Deductible up to $100 applies for emergency medical coverage and baggage and personal effects

  • Trip cancellation coverage worth up to between $2,500 and $10,000
  • Trip interruption coverage worth up to 150% of the trip cancellation limit
  • Up to $2,000 in trip delay coverage ($200 daily limit)
  • Up to $1,000 in protection for missed connections
  • Up to $250,000 in coverage for emergency medical expenses ($50,000 in New Hampshire)
  • $750 dental sublimit within emergency medical coverage
  • Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
  • Up to $2,000 in coverage for baggage and personal effects
  • Baggage delay coverage worth up to $1,000 ($100 daily limit)
  • 24/7 travel assistance services

Get annual coverage for medical expenses and routine medical care

High limits for medical expenses and emergency medical evacuation

GeoBlue plans don't offer comprehensive travel protection

Deductibles and copays apply

  • Ambulatory and therapeutic services
  • Inpatient hospital services
  • Emergency medical services
  • Rehabilitation and therapy
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Choose among three tiers of annual travel protection

Option for basic protection with affordable premiums

No coverage for preexisting conditions

Maximum trip duration of 30 days per trip

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Why Trust U.S. News Travel

Holly Johnson is a travel expert who has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – within their family media business and travel agency .

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Our new direct Virgin Atlantic service commences 22nd October 2023.

Please remember when searching for your holiday to add an additional night, as we operate an overnight service on our outbound flight.

i.e. For a 7 night holiday please search for 8 nights.

Our new direct Virgin Atlantic service commences 30th October 2023.

We will operate from London Heathrow four times a week on Mondays, Tuesdays, Thursdays and Saturdays.

Our seasonal Virgin Atlantic service with up to 4 direct flights, will operate until the 19th May 2024.

Our seasonal direct service will recommence on the 28th October 2024.

Our Virgin Atlantic service operates on Mondays, Wednesdays and Sundays.

Flights include a short touchdown in Barbados.

Our Virgin Atlantic service operates on Tuesdays, Fridays and Saturdays until 29th March 2024. From the 2nd April, this service will reduce to Tuesdays and Saturdays.

Our seasonal service will recommence on the 29th October 2024, with flights operating on Tuesdays, Fridays and Saturdays

Our seasonal Virgin Atlantic service with up to 3 direct flights, will operate until the 11th May 2024. Flights will commence from 23 May 2024 - 24th October 2024 on Thursdays and include a short touchdown.

Our seasonal direct service will recommence on the 29th October 2024.

Daily direct flights from London Gatwick to New York with our partner airline, Delta, operates between 10th April and 26th October 2024.

Our Virgin Atlantic service with direct flights, will operate on Wednesdays and Sundays until the 30th March 2024.

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Money blog: Victoria Coren Mitchell threatens legal action after OVO Energy takes thousands from account

The Only Connect presenter has accused Ovo Energy of "wrongly" taking thousands from her bank account. Read this and all the latest consumer and economic news in the Money blog. Leave your money problem, or comment on any of our stories, below.

Tuesday 12 March 2024 19:57, UK

  • Investigation to be launched into UK vet pricing
  • Your vet stories - from £1,400 tooth extractions to strange prescription rules
  • Electricity prices could differ in different UK regions as 'zonal energy' plan revealed
  • Victoria Coren Mitchell threatens legal action against OVO Energy
  • Wages grow by 6.1% - and they're being closely watched by interest rate setters
  • As four lenders raise rates, what's going on with mortgages?
  • Money Problem : My contract says I must be in office two days a week - but my boss is pushing me to come in more
  • Basically... Non-dom status is being scrapped - but what is it?

Ask a question or make a comment

The value of mortgage balances with arrears was 50.3% higher at the end of 2023 than a year earlier, a Bank of England report shows.

The value of these mortgages was £20.3bn - a reflection of how higher interest rates and the cost of living crisis is impacting British households.

Michelle Lawson, director at Lawson Financial, told Newspage  it made for "grim reading".

"People don't have bottomless pockets and this data places stark emphasis on that fact," she said.

"Household finances are set to spontaneously combust if the current level of pressure on them continues."

And Craig Fish, director at Lodestone Mortgages & Protection, told the industry website that the report "clearly demonstrated the real struggles being faced in the mortgage market right now". 

He said while it was encouraging to see the number of new arrears cases decrease slightly, it was "likely" that this could change during the course of 2024.

Japan is considering its first interest rate hike in nearly 17 years, after narrowly avoiding a recession. 

The economy grew by 0.1% in the fourth quarter of last year.

That leaves the Bank of Japan leeway to raise interest rates for the first time since 2007, with rates having been stuck at -0.1% since February 2016.

Negative interest rates are used in some countries to encourage commercial banks to lend and consumers to borrow more - therefore boosting economic growth.

The bank is set to meet next week to discuss its monetary policy.

By Jess Sharp, Money team, at the LIVE retail event in London

Amazon will introduce drone deliveries in the UK later this year, the company's UK manager has said.

Speaking at the LIVE 2024 event this morning, John Boumphrey told the crowd to "watch this space" for their arrival.

His speech focused on the use of AI in retail and the sustainability of Amazon.

He said the use of advanced robotics had been expanded within Amazon and had allowed new job opportunities to be created.

More than 500,000 robots have been added to the company's fleet and more than a million jobs have been created, he said.

Last year, the quickest delivery was just 75 minutes, he added.

Speaking about the use of generative AI, he said he was "confident" it would be the "most transformational change" to the retail industry since the creation of the internet.

Amazon has already been using the technology to create summaries of customer reviews and in the US it has created an AI shopping assistant called Rufus.

"This is only the beginning, we are all but a few steps into the marathon," he said.

Victoria Coren Mitchell has accused Ovo Energy of "wrongly" taking thousands from her bank account and suggested she will take legal action against the supplier.

The writer and TV presenter described "reaching the end of the road" with the major energy supplier, calling it the "most terrible service provider" she had encountered.

In a post on X, she claimed the supplier had taken "thousands of pounds" from her bank account that "they were not owed", and that it had "driven her to despair".

"Nothing but legal action will do for them now," she added.

In a poll, Ms Coren Mitchell went on to ask her followers which supplier they felt offered better service and said she had heard Octopus Energy were "trustworthy".

In response to her post on X, Ovo Energy said: "We're sorry about your recent experience with us. One of our senior complaint handlers has reached out via email to address this situation for you as a matter of urgency. We hope we can fully resolve this for you quickly."

Ovo Energy was founded in 2009 and has since grown to supply more than 4.5 million homes across England, Scotland and Wales. 

It is among the big six energy companies in the UK.

An OVO spokesperson told Sky News: "We're always striving to provide the best possible experience for all our customers. 

"Our teams work extremely hard to provide help and support and will continue to review lessons learned."

Basically, "non doms" are UK residents whose permanent home, or domicile, is considered to be outside the UK for tax purposes.

For years, the Labour Party has vowed to scrap non-dom status, saying it could raise more than £3bn a year, while the Conservatives have, over recent decades, kept the tax break in law. 

However, Jeremy Hunt announced in his budget last week that the scheme, which helps some of the wealthiest people in the UK, would be abolished.

The chancellor said it would be replaced with a "modern, fairer and simpler residence system".

There will still be a four-year reprieve for foreign citizens living in the UK - but not thereafter.

He said this would raise £2.7bn a year.

What are the current rules?

A non-dom only pays tax on money earned in the UK.

To avoid UK taxation on foreign income, they can pay an annual fixed charge. 

  • £30,000 for those who have lived in the UK for at least seven of the past nine tax years
  • £60,000 for at least 12 of the previous 14 tax years 

After 15 years, UK taxes must be paid, though non-dom status could be reinstated if you move to another country for a time, then return to the UK.

British citizens can be a nom-dom but only if they have links to another country - this includes those who have chosen to leave the UK to live abroad indefinitely. 

The exemption usually applies to people born abroad, or those whose father is from a different country. 

The prime minister's wife

Rishi Sunak's wife, Akshata Murty, is one of this most high-profile nom-doms. 

However, after being criticised in 2022, she agreed to pay UK taxes on all her earnings.

The London School of Economics found a non-dom saves more than £125,000 a year on tax, on average. 

How many nom-doms are in the country? 

According to latest HMRC data, there were 68,800 non-doms in the UK in 2022. 

In that year, they paid £8.5bn in income, capital gains and employment taxes. 

The number of people claiming non-dom status has fallen over the past 10 years after a change in rules stopped people using the benefit permanently. 

Read more from the Basically... series...

 Zonal pricing - whereby electricity costs differ regionally - could be introduced in the UK, it was announced today.

The government says Britons could save an average of £45 a year under the plan - which will now be consulted on.

But people in some regions could end up paying more than others.

How does it work?

At the moment there is lots of energy generation in Scotland, for example - but not as many consumers. Conversely, there is relatively little energy generation in London and the South East - where there are a lot of consumers.

Zonal pricing would aim to address this by seeing generators receive different rates based on the distance between their generating assets and their consumers. 

It would be in their interests to move generation nearer to consumers.

But in the meantime, costs could be passed onto households - potentially spelling bad news for areas such as London and the South East.

This could be rectified by additional solar or wind farms (in theory, although it is really hard to build new wind farms, as  this article  explains).

Zonal pricing is used in Australia and several European countries, including Italy, Sweden, Norway and Denmark.

What does the industry say?

Energy regulator Ofgem has predicted significant saving for customers across Britain from zonal pricing in the long-term, of up to £51bn within 15 years.

Octopus Energy CEO Greg Jackson has backed the plans, suggesting they will not only help consumers but will attract new investors into the sector. 

Any shortfalls? 

Zonal pricing would be a push to more sustainable energy, getting generators closer to our towns and cities. 

However, as this article shows, the strategy is volatile by nature and susceptible to sector-wide energy premiums and outside factors. 

Following our posts on the investigation into vet costs and competition, we've been inundated with comments from readers sharing their experiences. 

One common complaint seems to be the cost of medication - with people finding the same products available for much cheaper online.

Vets are obliged to write a prescription if you ask - meaning you could source medication yourself. But many vets now charge for prescriptions.

Here are a few of the messages we've received this morning...

My vet insists on charging for a written prescription for each item (3x life-saving medicine equates to three separate written prescriptions). Even though a written prescription lasts for six months my vet will only prescribe two months of medication at a time. Is this fair? Lynn
My dog is on regular medication, my vet charges me £35 for a 10ml bottle. I now get a prescription from my vet (who charges £19 for the prescription) and purchase it from an online pet drug company. This is £28 for a 60ml bottle. Pepper pot
My vet sold his practice to a big group. I was charged £16.42 for a bottle of hydration drink. I bought the identical drink from Amazon for £6.50 or a similar make for £4.50. The practice prices have increased a great deal since the sale. Fredtheleg
My vet was charging £50 for a product available online at £14, for long-term pain treatment for an elderly dog. This was provided each month without additional examination. When I asked for a prescription I was charged £27 but was required to have an exam every three months.  Martin Best
Why does my vet charge £108 for an inhaler, £19 for a prescription, when I can get the exact same product from my local pharmacy for £56? Jon_Perry
The vet we used increased the price of providing a prescription from £15 to £25. When I queried it they said it was due to inflation. The same vet charged over £30 for a special shampoo for our dog that was on sale from an online supplier for £16.99. Greedy. Kevin B
I have always had rescue dogs - up to three at a time. Now, due to the soaring costs of vets bills and insurance to keep up with the hiked prices, I have only got one which is having a knock-on effect with animal charity re-homing schemes. Very, very sad. Anomouse
The biggest issue with vet costs in our area is to do with teeth extraction. Our vet wanted to charge us £1,400 to remove some teeth with no guarantee that it wouldn't cost more, so we switched to another local vet who was recommended and the same procedure has been capped at £500. kevind

The British Veterinary Association has responded to a new investigation into pricing and practices.

The Competition and Markets Authority is launching the probe after an initial review raised concerns over weak competition, lack of information for consumers and overcharging for medicines.

One major concern flagged by the CMA is the buying up of vet practices into larger groups.

Now, BVA president Dr Anna Judson has sought to put across a view from within the industry.

She said "the veterinary sector has changed significantly over recent years" and so the investigation is a "valuable opportunity" to take stock.

But while "rising prices are a concern for everyone"...

"It's vital to recognise there is no NHS for pets. Whether they are employed by corporate or independently owned practices, vets deliver highly specialised, tailored care for the UK's pets and the cost is a fair reflection of investment in medical equipment, supplies and medicines, and the time vet teams dedicate to the care of each patient."

Dr Judson also suggested vets had been subject to abuse since the initial review began.

"It's really important not to pre-empt the outcome of the CMA's investigation. When the CMA launched its initial review, vet teams in practice found themselves on the end of really unpleasant, often abusive behaviour, which is unacceptable."

By  Sarah Taaffe-Maguire , business reporter

The UK's top housebuilder by stock market value, Persimmon, is experiencing the biggest share price fall on the FTSE this morning. 

It said it was expecting subdued market conditions throughout the year as the short-term outlook is uncertain.

Profit dropped 52% in 2023, even more than analysts had expected. Share value fell 3.42%. 

Meanwhile, following news that the competition regulator is further investigating the vet sector, after it found pet owners could be paying too much for medicines and prescriptions, the British pet supplies retailer Pets at Home saw shares fall 8.2% at one point before settling around a 2.4% tumble. 

On the currency market, sterling is down against the dollar with £1 buying $1.277 and €1.1698. 

Oil costs $82.76 a barrel.

The travel accommodation site has banned the use of indoor security listings globally. 

Airbnb had previously allowed hosts to have cameras in common areas, as long as the devices were disclosed on the listing page before booking, clearly visible and not located in spaces like sleeping areas and bathrooms. 

Now, the cameras cannot be used under any circumstances. 

"Our goal was to create new, clear rules that provide our community with greater clarity about what to expect on Airbnb," Juniper Downs, Airbnb's head of community policy and partnerships, said. 

Airbnb said it believed the change would only affect a small number of listings. 

The new rules will come into effect on 30 April. 

Hosts will still be able to use doorbell cameras and noise decibel monitors - however, they will need to disclose their use and general location before guests book. 

"These cameras will also be prohibited from monitoring indoor spaces of a listing and are not allowed in certain outdoor areas where there's a greater expectation of privacy, like an enclosed outdoor shower or sauna," the company said in a blog post.

A news article in The Atlantic in 2019 reported on hidden cameras being used by Airbnb hosts.

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Work from a cruise ship: Virgin Voyages launches season pass aimed at remote workers

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Virgin Voyages will help take remote work to the next level later this year.

The adults-only cruise line will offer a Scarlet Summer Season Pass on its Scarlet Lady ship, allowing guests to take four back-to-back cruises – without using all their vacation days. Travelers can book consecutive Mediterranean sailings between June and September at a discounted rate.

“No longer does working from home mean being tied to a desk or home office and eating leftovers for lunch,” Virgin Voyages CEO Nirmal Saverimuttu said in a news release. 

What is the best time to take a cruise? We broke it down by region.

“With our latest WiFi upgrades, Virgin Voyages can now offer our Sailors the chance to see the world while working from a daybed at The Dock (outdoor lounge) and sampling Mediterranean mezzes, then hopping off the ship in between calls to make the most of our incredible ports of call.”

Wi-Fi is already included in the fare on Virgin cruises, but passholders will get the line’s Premium Wi-Fi at no additional cost (though passengers don’t have to be working to take advantage of the pass).

What are the terms of the Scarlet Summer Season Pass?

Travelers can choose from one of four predetermined windows, each made up of four cruises:

  • June 9-July 7
  • July 7-Aug. 4
  • Aug. 4-Sept. 1

There are no blackout dates, and the cruises will feature stops in Cannes and Ajaccio in France; Civitavecchia, Italy; Ibiza and more, though exact itineraries vary by sailing date.

How much does the Scarlet Summer Season Pass cost?

The pass starts at $9,990 for two passengers in a cabin. The price is a “savings of up to 30% compared to travelers booking four independent voyages,” Virgin said in the release.

The pass is good for a Central Sea Terrace cabin, and the cost also includes food from more than 20 eateries; gratuities; wash and fold laundry service; a daily $10 coffee credit per cabin; priority booking for dining and shore excursions; access to Richard’s Rooftop – normally only accessible suite guests – and more.

Travelers can fill out a form on Virgin’s website or contact their travel advisor to book.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at [email protected].

IMAGES

  1. Virgin Money Travel Insurance Review: Is it Right for You?

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  3. Virgin Money travel insurance review: Key features and types of cover

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  4. Virgin Money Multi-trip Review

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  6. Virgin Money Travel Insurance Review: Is it Right for You?

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  23. Money blog: Victoria Coren Mitchell threatens legal action after OVO

    Basically, "non doms" are UK residents whose permanent home, or domicile, is considered to be outside the UK for tax purposes. For years, the Labour Party has vowed to scrap non-dom status, saying ...

  24. Back-to-back cruise deal: Virgin Voyages launches season pass

    0:04. 0:40. Virgin Voyages will help take remote work to the next level later this year. The adults-only cruise line will offer a Scarlet Summer Season Pass on its Scarlet Lady ship, allowing ...