annual multi trip travel insurance uk

• Single Trip
• Annual Multi-Trip
• Winter Sports & Ski
• Collision Damage Waiver
• Sport & Leisure
• Medical Conditions
• Travel Insurance for Non-UK Residents

Group Travel Insurance

• Travel Insurance for Couples
• Covid-19 travel insurance
• About Our Travel Insurance
• Holiday Cancellation Insurance
• Emergency Medical Assistance Cover
• Emergency Medical Cover for Travel Insurance
• Repatriation Insurance
• Baggage Cover
• Travel Insurance for Under 18s
• Comprehensive
• What's Covered
• Excluded Vehicles
• Range Rover
• Car Hire Excess Insurance
• Policy Information
• File a Claim
• Insurance Glossary
• Coronavirus - Annual Multi-trip Policy

Annual Multi Trip Travel Insurance

• Multi trip cover for holidays and travel over 12 months.
• Worldwide cover included - which may be more cost effective for frequent travellers.
• Delayed start for up to 31 days so there's no need to book and travel immediately.
• Unlimited access to HealthHero - our UK based 24/7 video and telephone GP helpline.

What is annual multi trip travel insurance?

You can travel stress-free with our Annual travel insurance. We cover big family holidays , city breaks, long weekends and even those pesky last-minute work trips . With Annual travel insurance, you'll save time and money.

Our one year travel insurance is designed specifically with frequent travellers in mind. With our multi-trip travel insurance, there's no need to buy separate insurance each time you travel, and you'll be covered for every trip you take during the year. We can provide worldwide travel cover protecting you across the globe or more regional cover if you're heading to Europe , the USA , Australia , staying in the UK or anywhere else.  Below is some more information about our products, for which Terms and Conditions apply. Please visit the policy information hub for full details.

How annual multi trip holiday insurance works

With yearly travel insurance from Allianz Assistance, you can choose the level of cover that's right for you. Our annual multi-trip insurance is designed for frequent travellers, so you'll be covered for as many trips as you like, up to 31 days maximum over a 12-month period. 

You can buy cover for European or worldwide travel cover (either including or excluding the USA and Canada), depending on your plans. Plus, if you have some fun activities lined up, you can add winter sport and ski cover at the same time.

When you take out one of our annual holiday insurance policies, you have the choice to get covered straight away or delay your start date by up to 31 days. Plus you don't need to tell us when you're going away, so there's one less thing to worry about. 

With our annual travel insurance, you only pay once for 12 months' cover and you're then protected for all your holidays. Plus, the more times you travel, the greater the savings become. Just make sure you buy your annual travel insurance policy as soon as you book your first holiday, so you'll be protected right away. 

Join us in 3 minutes

What does annual multi trip travel insurance cover.

Annual multi-trip travel insurance policies protect you for medical cover if you become poorly or injured while you're away. We can also help cover emergency medical expenses (including repatriation back to the UK ), personal accident and personal liability cover. Plus you'll get 24-hour access to a GP consultation service .

Our yearly holiday insurance can also help protect you should you need to cancel or cut short your trip, support for missed or delayed departures as well as lost, damaged or stolen personal possessions. With an annual multi trip policy, you are protected for all your trips throughout the year, subject to a maximum trip duration, which includes trips in the UK or abroad.

The table below shows what is covered and the limits for each section of the annual travel insurance policy for our Bronze, Silver and Gold annual multi trip cover levels.

For full details about our annual cover plans, please see the wording in the Policy Information Hub .

Swipe to view more

Frequently Asked Questions

Jet-off on holiday abroad or within the UK whenever you like with our Annual travel insurance, in the knowledge that you're covered for unlimited trips lasting up to 31 days (over a 12-month period). There's no obligation to tell us when you're going away either, so you can pack your bags knowing you're already covered. Our annual multi-trip policies vary depending on your needs, but each one offers differing levels of cancellation cover , delayed departure cover, medical expenses cover and more.

You can choose the area of cover that's most appropriate for your travel plans, from Europe-only to worldwide annual cover. You can also choose a level of cover that suits you: Bronze, Silver or Gold. 

If you're planning more than one holiday this year, you can save money by taking out one Annual travel insurance policy, rather than buying multiple Single Trip policies. Our yearly travel insurance will save you time too, because you'll be covered all year – no matter how many holidays you take.

Our Bronze, Silver and Gold levels of cover allow you to choose an option to suit your requirements. Once you've found the right policy, you can either be covered straight away or – if you don't need your cancellation cover to start immediately – you can defer your start date by up to 31 days. Get a travel insurance quote today to see exactly how much your policy will cost. 

If you're taking more than one trip this year, then our Annual multi-trip travel insurance could be a great choice for you. Remember, the more holidays you take, the more you save. If you're taking several trips in Europe , then you can take out a policy that will cover you for European destinations. If you're travelling further afield, our Worldwide Travel Insurance will have you covered.

Plus, we offer discounts for families on your yearly holiday insurance. If you've got fun activities planned, you can add Winter Sports and Ski  insurance to your travel insurance policy. We even offer Annual travel insurance, so you can be covered all year round.

Whether you're taking family holidays, heading away for the odd long weekend or booking last minute trips, you could save money by being covered every time you take off with our Annual travel insurance.

If you have any pre-existing medical conditions to declare, you will not be eligible to purchase an Annual multi-trip travel insurance policy. 

Usually we'd consider cover for pre-existing medical conditions under our Single Trip and Backpacker policies. However since we are making improvements to the booking engine of our website, we are temporarily unable to offer travel insurance policies to cover people's pre-existing medical conditions. We are planning to reintroduce our offer and also extend this to Annual travel insurance in the near future, once the update is complete.

You may be able to obtain an alternative travel insurance policy through one of the providers featured in the MoneyHelper directory of specialist travel insurance providers for people with serious medical conditions.

Terms and conditions apply.

Additional cover for Annual Multi-Trip Travel Insurance

Family Travel Insurance

Ski & Winter Sports Travel Insurance

Golf Travel Insurance

Travel Insurance for Medical Conditions

Annual multi-trip travel insurance for popular destinations.

Worldwide travel insurance

European travel insurance

Travel guides and advice

The GHIC card explained

Best travel books to read

Driving in Europe: Tips

How to stay safe abroad

Policy documents

You'll need your policy number to submit your claim to us. This is available in your certificate of insurance which is sent to you when you take out cover. 

It's a good idea to take your policy information with you on your trip so you can provide us with all the necessary details in order for us to help.

Claims assessment

Once we receive your claim, it'll be assessed by our experienced team. 

To speed up the assessment of your claim please make sure to include all applicable information and evidence such as receipts, booking confirmations, hotel reservations and crime reference numbers. If you fail to provide all the necessary information this will cause a delay in processing your claim. 

Your claims outcome

Once our team has assessed your claim we'll be in touch with you via your preferred contact method to confirm the outcome and inform you of any next steps.

Make A Claim?

Policy documents.

If you have a pre-existing medical condition that we are unable cover under our own policies, you may be able to obtain an alternative travel insurance policy through one of the providers  featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact the Money Advice Service for further details of the directory

Call: 0800 138 7777 (lines are open Monday to Friday, 8am to 6pm) or Email: [email protected]

• Skip navigation
• Find a branch
• Help and support

Popular searches

• Track a parcel
• Travel money
• Travel insurance
• Drop and Go

Log into your account

• Credit cards
• International money transfer
• Junior ISAs

Travel and Insurance

• Car and van insurance
• Gadget insurance
• Home insurance
• Pet insurance
• Travel Money Card
• Parcels Online

For further information about the Horizon IT Scandal, please visit our  corporate website

• Multi-Trip Travel Insurance

Annual multi-trip travel insurance

Cost-effective, convenient cover if you travel frequently

Available to everyone aged 75 and under

Kids go free (1)

Travelling more than once this year?

If you're going away more than once in a year, it's worth considering annual multi-trip travel insurance. Taking out this cover means you can travel without the worry, or the hassle, of getting cover every time you go.

Please note there’s a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you’re going to be away for longer, you can add our trip extension cover. This gives you an extended protection of 45 or 60 days, for an additional premium.

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our annual multi-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Kids covered for free

If you buy a family annual multi-trip travel insurance policy, your children aged under 18 will be covered at no extra cost. All you have to do is name them on the policy, and confirm that they have no medical conditions. They’ll be covered even if they’re invited on holiday with another adult, such as a friend or relative

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Delayed departure (3)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

We also include protection for any unexpected personal liability and legal costs you might be charged while you're away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does annual multi-trip travel insurance cover covid-19.

Policies purchased from 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6), or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment. If needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there’s no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What is annual multi-trip travel insurance?

This is a type of policy that covers you for multiple trips within one year.

This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

All our policies have a maximum 31-day trip duration limit. This can be extended up to 45 or 60 days for an additional premium.

What different cover levels are there for annual multi-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier.

Why buy annual travel insurance rather than single-trip travel insurance?

Buying an annual multi-trip travel insurance policy may not be cheaper outright than a single-trip travel insurance policy. However, multi-trip insurance allows you to take as many trips as you like within the 365-period of the policy. You can take these trips in both the UK and overseas. So it can be more cost-effective and work out cheaper in the long run.

Whether you’re popping abroad to watch the football, fancy a weekend shopping trip to Paris or are taking a two-week family holiday, if you expect to travel more than once in a year, it’s worth considering multi-trip cover.

When does annual travel insurance start?

The start date can be up to 31 days in advance. If you have a pre-booked trip and need cancellation cover, make the start of your policy the date you take it out, not the date your trip starts.

The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

Can you cancel annual travel insurance?

You can cancel your policy within 14 days of receiving your insurance documents. But you can only cancel if you’ve not started a trip, made a claim or intend to make a claim. If you meet these criteria, we’ll give you a full refund.

If you cancel after the 14-day cooling-off period, you won’t qualify for a refund. For annual multi-trip policies, the cancellation period is extended up to the start date of the policy, even if this is more than 14 days from the date you received your documents.

However, we’ll consider any exceptional events that may allow us to repay you for any unused cover. These include bereavement, or an unexpected change to your policy that means we’re no longer able to carry on insuring you.

The unused premium will be calculated on a sliding scale. You can find more information on this in your policy wording.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Annual multi-trip cover.

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years  

Single-trip cover

Cover for a one-off trip in the UK or abroad (7)

Perfect for short or long trips for anywhere in the UK or abroad

No age limit

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break

Related travel guides and services

Ready to jet off on a much-needed break but worrying about what you can take ...

Most of the time, getting a flight is a hassle-free event. If you only take ...

Whether you’re heading to the beach for a much-needed break or boarding a boat ...

The opportunities to combine business and leisure have never been greater. You ...

It’s your holiday too, and good preparation can take some of the worry out of ...

If you’re jetting off to Japan soon make sure you have good travel insurance to ...

How safe is South Africa to visit and why is having travel insurance important ...

Find out what medical care Brits can access in New Zealand and travel risks to ...

Learn about the different types of travel insurance available from Post Office, ...

Finding out that your airline or holiday company has gone bust is a shock – ...

Travelling solo means freedom and independence, making new connections and ...

Exploring the globe can be scary, but there’s so much to find at the edge of ...

There’s nothing worse than falling ill while away from home. Along with the ...

If you're the type of sunchaser who looks forward to that sizzling summer ...

It’s one of the most popular holiday hotspots for UK holidaymakers. But what ...

So, you’ve booked your flights, accommodation and activities. What next?

There’s no better feeling than planning an amazing trip to an exotic ...

With the winter sports season upon us, we conducted a Winter Sports Survey for ...

If you're travelling to an EU country from the UK, make sure you take a Global ...

Do you need travel insurance for your trip? Is travel insurance worth it? And, ...

Travel’s a great way to unwind, see the world, open the mind and expand ...

People flock to the Canary Islands from all over Europe. No wonder, with such ...

Greece and the Greek islands have long been a popular travel destination for us ...

We all know the feeling – getting to the airport, then a wave of panic comes ...

It's a proud feeling when children turn eighteen and start holidaying on their ...

If you're travelling abroad as a family, it makes sense to take out insurance ...

Fancy trekking in a remote Asian rainforest? A wild time in New York? Flying ...

You should be able to get the right cover to travel abroad if you’re diabetic, ...

Enjoy that precious time away with your grandchildren, and take some of the ...

The whole idea of lounging around on the beach is to switch off and enjoy the ...

The status of Schengen visas for international students resident in the UK is ...

Every year, millions of holidaymakers from the UK head to Spain for its ...

A trip to Turkey offers toasty beaches and tourist treats aplenty. No wonder ...

The famous cliché of America is that it's big. And it is. Across its six time ...

Heading down under for a trip to or around Australia? Make sure you’ve got the ...

Holidays for teenagers can take some imagination to make sure they’ve got the ...

Taking your best friend on holiday with you is everyone's ideal situation, but ...

Satisfy your travel craving while making your holiday budget go further. We’ve ...

Perched on the northern tip of Africa, Morocco’s long been a popular ...

It may be a short hop away, but a trip to France is not without its travel ...

Canada is a vast country of diverse delights – everything from bustling cities ...

For many UK holidaymakers, India is an intriguing and diverse culture with ...

Thailand’s idyllic beaches, azure-blue sea, buzzing cities and exciting ...

Adventurous holidays can take many forms, from action-packed itineraries in ...

Whether you’re travelling solo because of business, you’re hoping to meet ...

The white stuff is alluring, so make sure you can enjoy it safely, are ready ...

Today, Cuba is more accessible than it has been for many decades, and those who ...

Do UK residents need travel insurance for Ireland? And what healthcare is ...

Planning on living the high life with a trip to the UAE’s iconic mega-city, ...

Booking a last-minute holiday can get the blood pumping with the sudden thrill ...

Find out about medical care available to Brits in Mexico, as well as travel ...

Find out about the safety of travelling to Italy as well as the medical care ...

Make sure you’re travelling safely in Egypt with the latest advice and risks, ...

From airboarding to snow-tubing, here's our list of unusual winter sports ...

For your first time on the slopes, preparation can help you get the most out of ...

Some vaccinations for Thailand are recommended and some are mandatory in ...

There are several ways to get to the top of the class on your flight – whether ...

ATOL stands for Air Travel Organisers' Licensing, a scheme that helps make sure ...

Over 60 million people travel from the UK most years for holidays or business. ...

The last thing you want to happen on holiday is standing the luggage carousel ...

Having your son or daughter go on holiday without you for the first time can be ...

Going backpacking is one of life’s great adventures. But before you set off ...

The arrival of Airbnb has helped to transform the travel industry in recent ...

A ski packing list has the potential to run to many pages. With a bit of ...

If you're living with cancer but love to travel, can you get travel insurance ...

Travelling with high blood pressure is fine – but it’s important to make sure ...

As you get older, being able to go where you want when you want is all part of ...

In an average year, millions of Britons go abroad without the right travel ...

Lots of people who need assisted travel at airports are missing out simply ...

Learn the difference between embassies and consulates, and why you might need ...

Travel insurance for a holiday in the UK isn't something you must have, but it ...

With festivals overseas becoming the new norm, festivalgoers need to do a bit ...

Dark mornings, cold hands, heating bills and chapped lips are among the most ...

Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions. They’re covered even if they’re invited on holiday with another adult – such as a friend or relative – while you’re away enjoying your own.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home. If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for those aged up to and including 70 years

90 days for those aged between 71 and 75

31 days for those aged 76 years and above

• Make A Claim
• Policy Doc ument s

• Travel Insurance
• Breakdown Cover
• Schengen Travel Insurance
• Specialist Products

3 popular European road-trips for autumn

Voyager Insurance lists 3 popular destinations for an autumn European road-trip.

Brexit and Your Travel Insurance

As the situation regarding Brexit continues to change, as it stands the UK is still currently set to...

• About Voyager
• Policy Options
• Policy Documents
• 01483 80 66 80

Voyager Plus Annual Multi-Trip Travel Insurance

Cover your annual travel plans from just £60.93* a year..

• Up to £10 million - emergency medical expenses cover
• Up to £5,000 - cancellation cover
• Up to £3,500 - baggage Cover
• 4 Levels of Cover – for all budgets and requirements
• Excellent value for money – great prices without sacrificing cover
• Kids go free – even better value for families
• Holiday financial protection – keeping your money safe
• 24/7 emergency assistance – helping you through the most difficult times
• 14-day money back guarantee – so you can make sure the policy is right for you
• 1,000s of activities and medical conditions - covered as standard

*based on an annual individual aged up to 49 cover to Area 2.

Short Stay Travel Insurance

Annual multi-trip travel insurance, long stay travel insurance.

• Already Departed Travel Insurance
• Motorcycle Tour Travel Insurance
• Non-UK Residents Travel Insurance
• UK Expatriate Travel Insurance
• Travel Insurance FAQs

Multi-Trip Travel Insurance at a great price - for peace of mind whilst you're travelling throughout the year.

Are you heading off to the beach in Spain, and also travelling to France to see the Eiffel Tower? Or perhaps even further afield to the USA? If you're going on more than one trip a year, then a travel insurance policy with cover for multiple trips within a 12 month period maybe more appropriate for you. This is what we call 'Annual Multi-Trip Travel Insurance'.

Voyager Plus Annual Multi-Trip Travel Insurance policies are an affordable way to get the financial protection you need in case you require emergency medical treatment whilst abroad, your bags are lost in transit, and much more. What’s more, our Voyager Plus Annual Multi-Trip Travel Insurance policies are great value for family holidays as kids go free!

Voyager Plus Annual Travel Insurance covers a wide range of sports and activities, however, if your holiday involves more adventurous activities, such as winter sports, you can get Annual Multi-Trip Travel Insurance with Winter Sports cover by adding the specific options below to your policy when getting a quote.

Our Annual Multi-Trip Travel Insurance policy options offer cover for the additional risk aspects of winter sports, golf holidays, cruise holidays, gadgets, and much more! However, you will need to pay an additional premium to include these options. For example, if you want annual multi trip travel insurance with cruise cover, you will need to add the Cruise Option to your Voyager Plus Travel Insurance policy to have cover.

Our Annual Multi-Trip Travel Insurance policy options also offer cover for the additional risk aspects of golfing holidays, cruise holidays, taking gadgets with you on holiday, and much more! However, you will need to pay an additional premium to include these options. For example, if you want an annual multi-trip travel insurance with cruise cover, you’ll need to add the Cruise Option to your Voyager Plus Travel Insurance policy to have cover.

Our Voyager Plus Annual Multi-Trip Travel Insurance policy is available for travellers up to the age of 74 and is suitable as Annual Family Travel Insurance as it allows for family members to travel separately from each other allowing for further flexibility whilst being able to have the whole family on one policy. Please note: for travellers under the age of 18 who want to travel separately, they must be accompanied by an adult.

And if you suddenly feel unwell on your holiday, you may be wondering how to see a doctor when away from home, especially if you are abroad. Our Annual Multi-Trip Travel Insurance policy now includes a service where you can speak to a 24/7 doctor while abroad as standard* .

To get a Voyager Plus Annual Multi-Trip Travel Insurance quote, click the 'Get a Quote' button!

If you're travelling for a longer period for example one year continuously outside your home country, then take a look at our Long Stay policy which goes up 18 months (extendable to 24 months upon referral).

Frequently Asked Questions

1. What is Annual Multi-Trip Travel Insurance?

Annual Multi-Trip Travel Insurance, which is also sometimes known as Annual Travel Insurance, is a type of policy that allows for an insured person to be covered to travel as many times as they want within the year (in line with the policy terms and conditions), all within the once yearly price of the Annual policy.

It should not be confused with a policy where you are spending a year continuously outside your home country; that would require a Long Stay policy.

If you are looking for Annual Travel Insurance because you are planning on taking several trips or holidays throughout the next year, a Voyager Plus Annual Multi Trip Travel Insurance policy will give you the peace of mind that you are protected financially if something unexpected were to happen and should save you money rather than buying multiple Short Stay policies over the year.

2. What destinations are covered under travel insurance for annual multi-trips?

Our Voyager Plus Annual Multi-trip travel insurance policies can cover trips unlimited to the following areas; depending on the area selected at the time of purchase:

• Area 2: The continent of Europe West, any country with a Mediterranean coastline (excluding Algeria, Libya, Syria and Israel), Channel Islands, the Canary Islands, the Isle of Man, Madeira and Iceland (including Area 1)
• Area 3: Worldwide excluding North America. So, the USA, Canada, Mexico, the Caribbean Islands, Bahamas & Bermuda are excluded under this area
• Area 4 Worldwide including North America

Please note : Area 1 as defined as the United Kingdom and Northern Ireland is not available on an annual multi-trip insurance policy, as it is included in the policy providing there is a minimum of 2 nights away from home using pre-booked and prepaid accommodation or transport.

3. How does annual travel insurance work?

With our Voyager Plus Annual Multi-Trip Travel Insurance policy, we can offer cover for an unlimited number of leisure and business trips. However, the maximum trip duration on our Annual Multi-Trip Travel Insurance differs for different age groups:

• 45 days for travellers under the age of 70*
• 31 days for travellers who are between the age of 70 to 74

*The maximum trip duration on our Annual Travel Insurance can be extended to be up to 62 days per trip, providing you pay an additional premium to your policy.

Policy Summary:

Medical Expenses - Up to £10 million Cancellation - Up to £10,000 Financial Protection - Up to £3,000 Personal Possessions - Up to £3,500 Disruption - Up to £1,000 Abandonment - Up to £10,000 Personal Liability - Up to £3 million

8 Options available including: Action Activities Cover, Cruise Travel Insurance Option, Business Travel Insurance – Business Plus Option, Enhanced Travel or Terrorism Disruption Cover... see all

Annual Multi Trip Travel Insurance Options

This Travel Insurance product offers a range of different options.

Action Activities Cover

Cruise travel insurance option, business travel insurance – business plus option, enhanced travel or terrorism disruption cover, winter sports cover, sports equipment and cycle insurance cover, gadget insurance option, golf travel insurance.

Voyager Plus Travel Insurance policies include 100+ sports and hazardous activities at no additional cost. You can upgrade to include more adventurous activities and sports such as glacier walking (over 2000m), white water canoeing/rafting (up to grade 4) and more.

Going on a cruise? Make sure you add our Cruise Insurance option to your Voyager Plus Travel Insurance policy so that you are covered on your cruise. Enjoy all the standard cover such as Cancellation and Emergency Medical Expenses specifically for your cruise as well as including extra cruise specific cover to Re-join your Cruise, Missed Port Departure cover, Cabin/Stateroom Confinement cover, Itinerary Change cover, Unused Excursion cover and Cruise Interruption cover.

Add Business Plus Insurance option to your Voyager Plus Travel Insurance policy to protect your business equipment, money, staff replacement costs and more.

Add Enhanced Travel or Terrorism Disruption cover option to your Voyager Plus Travel Insurance policy to cover you against travel disruptions due to acts of terror, changes in FCDO/ WHO Travel Advice Restrictions and other circumstances such as volcanic ash clouds.

Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment, unused, lost or stolen ski packs and piste closure as well as extended cover for Emergency Medical Expenses for costs associated with winter sports activities.

Add Sports Equipment and Cycle Insurance Option to your Voyager Plus Travel Insurance policy if you are planning to hire or take sports equipment or a bicycle with you on your trip.

Add Travel Gadget Insurance to your Voyager Plus Travel Insurance policy to cover up to 4 gadgets per policy including, mobile phones, smart phones, smart watches, tablets, laptops, games consoles, headphones and much more!

Add Golf Insurance to your Voyager Plus Travel Insurance policy to get cover for golf clubs and other golf equipment. As well as cover for the cost to hire replacement equipment, if yours is lost, stolen or damaged

GP on Demand

Going abroad on your trip should be an unforgettable experience for all the right reasons. However, what happens if you suddenly feel ill and want to speak to an English-speaking GP while abroad. The good news is our Voyager Plus Travel Insurance policies now include the “GP on Demand” service as standard, giving you can access to medical help whenever you need it 24/7, during your period of insurance, for greater peace of mind.

What is GP on Demand and What Service does it provide?

Once registered with the service online, “GP on Demand” gives you access to unlimited virtual appointments, either by telephone or video-call with a UK-based, NHS qualified GP 24 hours a day, 7 days a week, 365 days a year, helping you to get professional advice when you need it most.

The medical practitioner on this service can cover a wide range of subjects including:

• advice on managing chronic conditions, minor illness, and acute symptoms of serious clinical conditions
• general questions about prescriptions, travel, and lifestyle

Once you book an appointment on the GP on Demand app, you will receive a call back from a GP within 15 minutes of the appointed time.

For more information about our GP on Demand, please visit our Voyager Plus Policy Wording page to download our “Voyager Plus 24/7 UK GP Access with GP on Demand” Booklet.

Please note: video appointments are only available between 8am and 10pm, 7 days a week.

Get A Travel Insurance Quote

What is Travel Insurance and What Does it Cover?

While going on holiday should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen. Voyager Plus Travel Insurance is designed to give you financial peace of mind that you are covered should something unexpected happen, so you are not left out of pocket, in the event of a valid claim.

Travel Insurance Benefits

The following summary of Travel Insurance benefits are just some of the areas of cover included as standard across all levels of cover on our Voyager Plus Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.

Cancellation or Curtailment

A Cancellation is where you are unable to start your trip, due to an insured reason. A Curtailment is where you have to end your trip earlier than expected, due to an insured reason.

This section provides cover for any unused and non-refundable travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid, or where there is a contract to pay, if it is necessary to cancel or curtail the planned trip because of any of the events specified in the policy wording .

Emergency Medical Expenses

Medical treatment in other countries can be very expensive. This section covers the cost of emergency medical treatment, outside your home country if you’re injured or suffer unexpected illness including with symptoms of or testing positive for COVID-19 during your trip, in line with the policy terms, conditions and exclusions. Cover also includes the cost of repatriation back to your home country if medically necessary.

Please Note : If you have pre-existing medical conditions and would like cover in case you need emergency medical treatment related to them, you will need to complete a medical screening to see if cover is available and pay the appropriate additional premium.

Covers the loss, theft or damage to your baggage, meaning: personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip, as well as your valuables as defined in the policy wording .

Please Note : Your gadgets may not fall under the Baggage definition in the policy wording and you may need to also purchase the gadget cover Option to cover them.

Personal Accident

In the event of a serious accident from which you suffer life changing injuries during your trip the policy will provide cover in the event of your death or permanent disablement because of the accident. Please refer to the policy wording for full details on this area of cover.

Please Note : Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Expenses section.

Travel Delay

No one likes to be delayed when travelling!

So with Voyager Plus Travel Insurance cover is available if the public transport (meaning any aeroplane, ship, train or coach) that you are booked to travel on is delayed by at least 12 hours. If your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip under the Cancellation or Curtailment section of cover.

Missed Departure / Journey Disruption

Cover for additional travel and accommodation expenses in the event you miss the departure of your public transport for your trip, due to a specified reason as defined in the policy wording .

This section also covers, in the event of a Catastrophe (as defined in the policy wording ), if you are forced to move from your pre-booked accommodation to allow you to continue your trip.

These are a few of the reasons why getting travel insurance is a good idea before you travel so that you are not left out of pocket should the unexpected happen. Furthermore, Voyager Plus Travel Insurance has a wide range of features and benefits, which are just not available on cheaper products, see the policy wording for full details.

Important Information for Customers with Serious Medical Conditions - For UK Residents Only

MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory  or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm. 

You may also be interested in...

If you have a specific holiday of up to 62 days duration in mind, a short stay Voyager Plus Travel Insurance policy will give you the peace of mind that you are protected financially if something should go wrong.

A Voyager Plus long stay policy can provide cover for trips up to 18 months (extendable to 24 months upon referral) so it is perfect for backpacking, gap years and other longer trips such as sabbaticals.

OUR COOKIE POLICY

This website uses cookies to give you the best possible user experience. By using our website we'll assume you consent to all cookies in accordance with our Cookie Policy. 

You can read more about our Cookie Policy and privacy on our Privacy Policy page.

• Help and Support
• Travel Insurance

Annual Travel Insurance

All of your holidays covered in one go.

Cover for every holiday you take in a year (up to 31 days at a time).

5 Star Travel Insurance from Admiral

5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Take out the hassle of arranging insurance for every trip

If you take to the skies regularly, an annual policy could be just what you're looking for. It takes out any hassle of arranging insurance for every trip; simply sit back and relax knowing that all your holidays within the year are covered with Admiral Travel Insurance.

Admiral's Annual Multi-Trip Travel Insurance can insure you for destinations almost anywhere in the world, and for a range of activities including snorkelling, windsurfing and sea kayaking.

And if you travel more than once a year, annual cover could be more cost effective for you than a single trip policy.

You may also be able to add Winter Sports , Cruise or Gadget Cover .

What benefits do I get with Admiral's annual cover?

• Unlimited travel for up to 31 days per trip
• Medical Emergency Cover
• Legal Liability
• Legal Protection
• Personal Belongings Cover

Annual, multi trip travel insurance is perfect for regular holidaymakers and it can cover you whether you're in the UK, Europe or Worldwide .

What level of cover do I need?

Just like Admiral Single Trip Insurance , three levels of cover are available - Admiral, Admiral Gold or Admiral Platinum Cover - on our annual, multi-trip policies.

Here is a small sample of the benefits included with each level of cover. You can read the full list in the policy summary booklet .

If you fancy the adrenaline rush of a skiing holiday, or you're taking to the seas on a cruise, you’ll need to add on our winter sports cover upgrade or cruise upgrade to your policy as without these, your trip won’t be covered at all.

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance.

Exclusions include:

• Pre-existing conditions you don’t tell us about
• The pre-existing conditions of a relative not on your policy
• Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
• Anticipated events
• Coronavirus
• Travelling against FCDO or medical advice

You can read the full list of exclusions in our policy documents .

Do I need travel insurance if I have a European or Global Health Insurance Card?

Yes, you do. The EHIC (if still in date) isn't a substitute for medical and travel insurance; it entitles you to state-provided healthcare that may become necessary during your holiday in the UK and European Economic Area (but no longer in Iceland, Liechtenstein, Norway or Switzerland).

In some cases it will cover all or part of your costs for medical care, but it won't cover expensive needs such as airlifting from ski resorts or repatriation. The same applies for the new Global Health Insurance Card (GHIC) which you can apply for once your EHIC has expired.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

What happens if my holiday is cancelled?

In the unfortunate event your holiday is cancelled, you will be covered for certain reasons for cancellation with Admiral Travel Insurance. Depending on the level of cover you choose - Admiral, Admiral Gold or Admiral Platinum Cover - you could receive up to £5,000 to cover the costs of your trip.

How do I get a quote?

Hit the green button above or call 0333 234 9913 to speak to a member of our team.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Does annual travel insurance cover UK holidays?

Your Admiral policy will cover trips to: 

• Northern Ireland
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.    

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

• Annual Multi Trip

 Instant Policy Delivery

 Secure Online Purchase

 Range of Working Activities

 Six Different Policies

 Option to Extend Duration

 Cover for UK Residents

 Wide Range of Sports

 24 Hr Medical Assistance

Annual Multi Trip Travel Insurance

If you travel several times a year, it would be worth investigating annual policies. Multi trip insurance policies will cover you for a 12 month period for a set price which allows multiple trips of up to 31, 45 or even 62 days individual duration, depending on which policy you choose (maximum 31 days for ages 70-74 years). If you plan to take a longer trip, these policies are not suitable, you will require our Long Stay Single Trip policy for journeys of over 45 or 62 days.

You can buy Annual cover as an individual, or for a couple or family . Significantly discounted annual prices are available to couples and families. The levels of cover ensure peace of mind and protection for you and your family.

These policies cover a good range of sports and activities and some give the opportunity to upgrade to include cover for the more extreme activities , such as  trekking and sports such as rugby and polo. Requests for cover for some of these activities may need to be referred to our underwriters for consideration and may incur additional cost and conditions.

Navigator Silver, Pearl, Gold and Diamond Annual policies can cover wintersports and cruising at extra cost. Maximum age 74 years on Annual Multi-Trip cover.

Please note that it is best if you set the start date of your Multi Trip cover as soon as you require cancellation cover for any pre-booked trip. On a Single Trip policy, you are covered for cancellation as soon as the policy is issued, but on Annual Multi-Trip cover, nothing is working for you until the start date that you choose.

We have a choice of several Annual policies, with a cover level to suit you, providing either worldwide travel insurance or just for the European area.

Navigator Silver, Navigator Pearl, Navigator Gold or Navigator Diamond Annual Multi-Trip Policies

These policies cover Motorcycling (on-road up to 31 days per trip) at no extra cost. Wintersports and cruising cover is optional and at extra cost. Maximum trip duration is 45 days, with the option to increase to 62 days at a supplement. Maximum age 74 years on Annual Multi-Trip cover (no age limit on Short Stay Single Trip policies).

Frequently Asked Questions:

How often can i travel abroad on an annual multi-trip policy.

We do not restrict the number of trips during the year, only the maximum individual trip duration is restricted.

What is the longest duration trip that can be covered on an Annual Multi-Trip policy?

Navigator Travel Annual Multi-Trip policies will cover trips of 31, 45 or 62 days, depending on which of our policies is used.

What happens if I go for longer than the maximum permitted duration on an Annual Multi-Trip policy?

You should not embark on a trip which is known to be longer than the permitted maximum. Longer trips should be insured separately on a suitable long stay Single Trip policy. If you inadvertently overstay the maximum period, we may be able to issue After Departure cover for the extended period, but this brings additional complications.

Can hazardous sports or working abroad be covered on Annual Multi-Trip policies?

We have Annual policies that will cover working abroad, and many sports and activities can be covered, some incurring additional cost.

Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
• Career breaks
• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

• Single holiday
• Business trip
• Special rates for families
• Accompanied kids go free

Ask Us Anything

• Age(s) of travellers *
• Destination(s) *
• Date of Departure * Date Format: DD slash MM slash YYYY
• Date of Arrival Back Home * Date Format: DD slash MM slash YYYY
• Message: * Ask us a question about one of our products and we'll get back to you as soon as possible.
• Comments This field is for validation purposes and should be left unchanged.
• Travel Insurance Policies
• Coronavirus Travel Insurance
• Long Stay Travel Insurance

Check out our blog below:

When Can You Fly With A Newborn from the UK?

Can you Fly with a Catheter Bag from the UK?

Can you Fly with Heart Arrhythmia from the UK?

Can you Fly with Varicose Eczema from the UK?

Holiday Makers

Families, couples or individuals.

Families, couples or individuals on holiday or business trips for shorter durations.

gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.

Sports & Adventures

Skiing, snowboarding, climbing and more.

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.

Travel Insurance

• Holiday Travel Insurance
• Destinations

Other Information

About Us Important Info – Please Read! Travel Insurance After Departure Ultimate Travel Insurance Guide FAQ Policy Wordings Medical FCA Terms and Conditions Privacy Policy Sitemap

Telephone Hours

Opening Hours

• Mon-Fri: 8:30am - 8pm
• Sat: 9am - 5:30pm
• Sun: 10am - 5pm
• Mon-Fri: 9:00am - 8:00pm
• Sat: 9:00am - 5:30pm
• Sun: 10:00am - 5:00pm

Annual Multi-trip Travel Insurance

• Unlimited trips for a year
• 24/7 Emergency Medical Assistance, wherever you are
• You could save time and money

Annual Travel Insurance covers you for selected countries and destinations for one year. You choose your preferred cover region, and you’re covered for any trip within that region throughout the year.

This type of insurance can cover all pre-existing medical conditions , too, allowing you to travel with complete peace of mind.

What is Annual Multi-trip Travel Insurance – and why do you need it?

Annual Multi-trip Travel Insurance is a type of policy ideal for frequent travellers who take two or more trips a year.

Research from Which? found that Annual Multi-trip Travel Insurance often offers better value than buying separate Single Trip Travel Insurance policies, especially if you’re planning two or more trips annually. 

With this type of insurance, you’re continuously protected against unforeseen events such as medical emergencies, trip cancellations, lost luggage, and more, providing peace of mind throughout a twelve-month period.

• Hassle free : Cover for all your getaways with one annual policy instead of arranging new insurance each time you travel
• You could save time and money: If you’re taking multiple trips, you may find Annual Travel Insurance cheaper than buying a new policy every time. Opting for annual cover could save you money and time by protecting multiple trips under one policy
• Easy to renew cover : You can renew your Annual Multi-trip Insurance each year, making sure you have the same continuous cover for all your trips. You only need to complete the medical screening process once, and you can easily renew for the following year. You’ll then have another 12 months of hassle-free travel.

What does AllClear’s Annual Multi-trip Travel Insurance cover?

Annual Multi-trip Travel Insurance provides a wide range of benefits for your trips in the year. From emergency medical cover across different countries to cancellation and curtailment should you encounter unexpected circumstances during your trips.

What’s covered?

• Emergency medical expenses – This includes the costs of tests, medications and procedures needed to treat an illness or injury. You’ll also be covered for repatriation to bring you safely back to the UK
• Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency
• Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy
• Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight
• Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday

What’s not covered?

• Trip duration limits – While it doesn’t matter how many holidays you take each year, each trip has a maximum duration depending on your chosen annual policy. Refer to the policy documents for details
• Undeclared pre-existing conditions – Medical cover is provided only for declared pre-existing conditions on your policy
• Travel Insurance excess – Most claims will have a travel insurance excess, which is the first part of any claim not covered by the policy

SWIPE TO COMPARE POLICIES

* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.

Find the best Annual Multi-trip Travel Insurance for your travels

Annual Multi-trip Insurance may be a more cost-effective option if you plan to take several trips in a year. According to independent research by the Evening Standard , the more you travel every year, the better value an annual policy can be.

We can help you find the best Annual Multi-trip Insurance for your travels:

• Choosing your cover area : Choose from UK trips , European destinations , or worldwide cover , including options for USA, Canada, Mexico, and the Caribbean.
• Cost considerations : When determining the price of your policy, factors such as your age , destination, pre-existing conditions , and chosen cover level all play a role. By selecting the appropriate cover and optional extras, you know you’re getting the best value for your needs
• Cruise cover inclusions : If you’re planning a cruise, make sure you’re covered with our Cruise Cover option. This essential protection can be added to your policy and is automatically included in Platinum policies, providing peace of mind for your cruise travels
• Optional extras: Enhance your policy with additional cover to suit your preferences. Whether you’re looking for cover against natural disasters, need gadget cover for your electronic devices, or want cover for activities like golf or winter sports , we have options to tailor your policy to your travel style

AllClear’s Annual Travel Insurance for pre-existing medical conditions

As a specialist Medical Travel Insurance provider , our Annual Multi-trip Travel Insurance covers all pre-existing medical conditions. We can cover over 1,300 different conditions, and we can help cover yours too.

If you have a pre-existing medical condition, you must declare this before travelling. This includes any health problems you have taken medication for or received a diagnosis for during the last five years.

Below are just a few of the common conditions we provide cover for:

• Heart conditions
• High blood pressure
• Multiple sclerosis
• Crohn’s disease

How our Annual Multi-trip Travel Insurance works: A simple 3 step quote process

Our 3-step quote process is quick and simple and designed to provide you with comprehensive cover across all your trips. 

Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start your quote, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.

Get your quote

2. Complete our simple medical screening process

You’ll need to declare any medical conditions you have and any medications you and your travel companions are taking. Be sure to answer all our medical questions and tell us everything we need to know about your current health. 

This way, we can provide the cover that best suits your needs.

3. Receive your quote

You will then receive your quote(s) and can either proceed to buy or save your quote at this stage.

“Annual Travel Insurance could be just what you need if you go abroad regularly. If you travel more than once a year, an annual policy can save you time and money compared to buying separate cover for each trip. As well as offering unlimited trips to your chosen region for a whole year, policies include all the benefits of Single Trip Travel Insurance, such as cancellation cover, protection for your personal possessions, and cover for travel delays or personal liability.”

Letitia Smith MSc, Travel Insurance expert

What our customers say

With over 123,000 reviews on Trustpilot, it’s easy to see what our customers think about AllClear.

What our Customers Say

Excellent personal service.

“After a lot of online research, I have booked a Gold Annual Multi-Trip Policy with AllClear Travel Insurance. I found the online application fairly straightforward. But I had a couple of questions and was pleased to have the assistance of Douglas. He guided me through the application and made a couple of necessary adjustments. Very patient and helpful – well done! “- Mr Wollarcott

Frequently Asked Questions on Annual Multi-Trip Travel Insurance

How does annual travel insurance work.

Annual Travel Insurance covers you for multiple trips within 12 months, offering convenience and peace of mind throughout your travels.

Once you buy an annual policy, you’re covered for an unlimited number of trips during the policy period (be sure to check your policy). This type of insurance includes benefits such as emergency medical expenses, trip cancellation, travel delays and unforeseen circumstances.

However, Annual Travel Insurance does not cover travel outside your chosen region, although you can upgrade your policy at any time.

Is it better to get Yearly Travel Insurance?

This depends on how many trips you take each year.

If you’re taking multiple trips within a year, an annual policy can work out cheaper and will save you the hassle of arranging Single Trip Insurance each time you travel.

How much is holiday insurance for a year?

Annual Travel Insurance lasts for a whole year and will cover trips up to the maximum duration shown on your travel documents. If you’ll be travelling for longer than this, a Single Trip policy can cover holidays of up to 365 days.

When should you buy your Annual Multi-trip Insurance policy?

We would recommend buying Annual Multi-trip Insurance as soon as you book your holiday,

Money saving expert Martin Lewis also recommends this. He urges people to buy travel cover as soon as possible as “so many of the things you can claim for can happen before you go on holiday”.

The start date of your Annual Multi-trip Travel Insurance policy will be the date your cover begins. This offers you protection leading up to any trip you take and between each trip you take.

Why can Annual Multi-trip Travel Insurance be better value than a single trip?

Annual Multi-trip Travel Insurance can offer better value than a single-trip policy because it covers multiple trips over a year, rather than just one.

So, if you’re going on several holidays within a year, an Annual Travel Insurance policy could be of better value.

With an Annual Multi-trip policy, you only need to select your preferred cover region, not every country you plan to visit. You’ll then be covered for any trip you take to the region throughout a 12-month period.

However, there are restrictions on the length of time you can be away for any one trip.

Can you get Annual Multi-trip Travel Insurance for a group trip?

Yes, our annual cover is available for groups of up to 10 people. 

Any adult named on the policy can travel independently as many times as they like throughout the year, without the need for the entire group to go on holiday together.

When does an Annual Multi-trip policy start?

You can choose the start date of your Annual Travel Insurance, up to 60 days from the date of buy. 

However, you should be aware that there will be no cancellation cover for your trip until the policy begins, so if you want to be fully covered it’s best to start the policy as soon as you’ve booked your holiday.

Do you need extra cover for sports and activities?

AllClear policies provide cover for most holiday sports and activities as standard. From hiking and cycling to scuba diving and camel riding. 

Please check the policy documents for the full list. If your chosen sport or activity is not featured, please contact us for more information.

Is a GHIC card enough to cover Annual Multi-trip Travel Insurance?

A GHIC (Global Health Insurance Card) only provides access to state-provided healthcare within the European Economic Area (EEA) and Switzerland. 

While it offers valuable medical cover during temporary stays abroad, it is not a substitute for comprehensive Travel Insurance. 

Annual Multi-trip Travel Insurance provides a wide range of benefits beyond healthcare, including cover for trip cancellations, lost baggage, travel delays, and more, making it essential for complete protection during your travels.

Get the most out of your trips with our helpful guides

Where are you visiting?

Explore our helpful guides for tips to make sure you remember everything you need when travelling to one of the below destinations:

Which activities do you have planned?

Whether you’re planning a skiing holiday or a relaxing golf trip, remember to add extra cover to your policy for a worry-free trip.

• United Kingdom
• Winter Sports
• Golf Travel Insurance

Written by: Letitia Smith | Travel Insurance Expert Last Updated: 3 April 2024

3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.

Policy Wordings

Modern Slavery Statement

MaPS Travel Insurance Directory

Earn rewards by sharing with friends

• 1353 699082
• 518 88 03 32
• 308 801 864
• 0550 620 223
• 975 170 115
• Popular searches
• Pre-Existing Medical Conditions
• Travel Insurance Already Abroad

Adventure Activities

• Geographical Limits
• Make a Claim
• Travel Insurance for over 65
• Travel Insurance for over 70
• Travel Insurance for over 75
• Travel Insurance for over 80
• Expat Travel Insurance
• Travel Insurance Policies
• Cover for EU Residents
• Extra Covers
• Existing Customers
• Policy Wording
• Already Travelling
• Policy for Expats
• Aussies, Kiwis & Saffas
• Globelink Blog
• Affiliate Programme

Annual Multi-Trip Travel Insurance

• Perfect for travel more than once a year
• Cruise Cover INCLUDED
• Available for people aged up to 79
• 17 days Winter Sports cover FREE with 45+ day trip durations
• Geographical limits

What is Annual Multi Trip Travel Insurance?

Annual Multi-trip Travel Insurance is designed for people (from £ ), Couples or Families (from £ per Family) who undertake two or more trips within a 12 month period. Multi trip travel insurance allows you to take as many trips as you like and stay covered all year long. It means that you're sorted in one go for the next year and lock in todays price for the next 12 months. You can then focus on organising your trips.

Can I buy Annual Travel Insurance Now?

We know that right now you need to select your destinations carefully based on your own Government advice and that of your chosen location, but it's important to stay protected with travel insurance if you have any booked trips. Buying annual policy will keep you protected against cancellation risks even before you travel - like illness (including catching Covid within 14 days of travel, or while you are away), accidents, death, jury service, redundancy. We recommend that you select an immediate start date for your yearly travel insurance if you have any booked holidays to protect.

Top Tip: Choosing annual multi trip travel insurance also means you don't need to worry about amending your travel insurance if your trip dates change - as long as they fall within the policy cover period and your geographical area hasn't changed and your trip length doesn't exceed your chosen policy maximum duration.

Can I buy now for a future Date?

Unlike most other Travel Insurance providers, you can buy a Globelink Annual Trip Insurance policy up 4 months in advance! Most other major companies only allow you to buy up to one or two months ahead of time.

What's the benefit? You lock in todays price and avoid any future price increases. You buy now and can set your start date up to 4 months in advance when you are likely to be travelling more than you can now (just as long as you know that you won't get the benefit of Cancellation protection until your policy starts).

SPECIAL OFFER

* Kids go free on all our Annual Multi-trip policies. Up to 4 kids aged 17 or under, plus infants under 2yrs old - all go free!

* Couples get an automatic discount when you buy an annual travel policy.

What About Covid Cover?

ALL our annual policies provide Emergency Medical, Repatriation and Cancellation & Curtailment cover if you contract Coronavirus, provided your Government legally permits you to travel. You are not covered if you travel against a compulsory/legal ban imposed by your Government (unless you have a permitted reason to travel).

Should you travel to a country that your own Government advises against travel for reasons either directly or indirectly due to Coronavirus, you can still buy insurance and your cover will remain valid for all insured events that are NOT Covid related. So if you need to cancel or curtail your trip, or have a medical emergency that is NOT Covid related - you have peace of mind that cover remains in place. You wont be covered for claim costs associated with Coronavirus where your Government advises against travel to your destination - such as FCDO 'Amber' and 'Red' locations for UK residents (unless you have a legally permitted reason to travel). Always check your Government restrictions and those of the location you plan to visit before booking and travel.

Please note, Claims related to a Positive Covid-19 test result can only be considered when certified by an independent authority. Examples of this are: a private Covid testing provider’s official certificate, or the medical report of a Doctor’s administered Covid-19 test result. The written confirmation must include the name of the person for whom the test relates to, the date of the test and the test result. The insurer will not accept photographs of a Lateral Flow test taken at home unless it has been independently verified.

Globelink Covid Cover Includes:

• COVID-19 Cancellation Cover (positive test within 14 days of travel)
• COVID-19 Curtailment Cover (positive test on your trip)
• Additional accommodation and travel costs where authorised by the 24 hr Assistance Service
• Emergency Medical Costs and Medical Repatriation where authorised by the 24 hr Assistance Service
• Compulsory Quarantine Cover (as a result of your personal medical condition on Dr's advice - not area restrictions ).

What is covered with Annual Multi-Trip Travel Insurance?

Our annual multi-trip policies provide Comprehensive cover and unlike some of our competitors - we don't expect you to pay extra for certain benefits like Cruise Cover and Covid Protection. We also offer individual trip durations up to 120 days (under 65's). We don't set any maximum days abroad like our competitors - so you can travel as many times as you like, as long as each trip stays within your chosen trip destination.

Our annual policies cover :

• 10 Million Medical and Repatriation Expenses
• up to 120 day trip durations
• Free Cruise Cover
• Cancellation and Cutting your trip short
• Personal Liability Cover up to 2 Million
• 17 days Winter Sports cover Free with 45 day + trip durations
• End Supplier Failure Cover
• Personal Accident Cover up to £25,000 (conditions apply)

Government Advice

Travel advice changes rapidly, so keep aware of current information. For EU residents you will need to check your local Government advice. For UK residents it's the FCDO advice - check here for full details . The FCDO have announced a new traffic light system for categorising international travel risk and rules and each red, amber and green list are separately listed. Green is deemed the lowest risk. Check here  for details. Before you travel, check your Government advice and that of the location you are travelling to and follow the rules.

The cheapest annual policy is £ (based on 1 adult aged up to 50 travelling in Europe for up to 17 days per trip).

Annual Multi Trip Travel Insurance Key Benefits

• Annual policy available up to age 79!
• Individual Trip durations up to 120 days at a time up to age 65
• Couples Discount and children aged 17 or under go free (up to 4 kids, plus infants under 2yrs per Policy)
• over 100 Adventure Activities covered for free
• 50 Pre-existing Medical Conditions covered as standard
• 24-hour Emergency Assistance
• Available if you live in the UK, EU or EEA
• End Supplier Insolvency Insurance and Force Majeure Cover
• Add Extras like Adventure Activities or Golf Cover
• Take as many trips as you like in a year and you'll always be covered

The European Health Insurance Card (EHIC) / Global Health Insurance Card (GHIC) provides some emergency healthcare within the EU, but it does not cover Repatriation costs, or a doctor or nurse escort home; nor lost or stolen property. You need Travel Insurance for that.

We recommend that you select an immediate start date for your yearly travel insurance as this will ensure that you are covered for Cancellation costs of any pre-booked holiday if the cancellation reason is covered - such as illness, death, jury service, redundancy. If you select a future start date - such as the departure date of your first holiday - you wont be covered for Cancellation before your departure.

Annual Policy Age up to 65

Unlimited number of trips during a 12 month period with each trip duration of up to 120 days.

This Annual Travel Insurance plan is suitable for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period.

• Cancellation or Curtailment - up to £6,000 in total; (excess - £75)
• Emergency Medical Expenses - up to £10,000,000 in total; (excess - £75)
• Baggage - up to £3,000 in total; (excess - £50)

Annual Policy Age 66 to 70

Unlimited number of trips during a 12 month period with each trip duration of up to 60 days.

This Annual Travel Insurance plan has been designed for Individuals or Couples aged 66 to 70 who undertake several trips of up to 60 days within a 12 months period.

• Cancellation or Curtailment - up to £6,000 in total; (excess - £100)
• Emergency Medical Expenses - up to £10,000,000 in total; (excess - £100)
• Baggage - up to £3,000 in total; (excess - £50)

Annual Policy Age 71 to 74

Unlimited number of trips during a 12 month period with each trip duration of up to 60 days Worldwide.

This Annual Travel Insurance plan has been designed for Individuals or Couples aged 71 to 74 who undertake several trips of up to 60 days duration within a 12 months period.

• Cancellation or Curtailment - up to £6,000 in total; (excess - £250)
• Emergency Medical Expenses - up to £10,000,000 in total; (excess - £250)

Annual Policy Age 75 to 79

Unlimited number of trips during a 12 month period with each trip duration of up to 60 days in Europe or 31 days Worldwide.

This Annual Travel Insurance Policy has been designed for Individuals or Couples aged 75 to 79 who undertake several trips of up to 60 days trip duration in a 12 month period (depending on where you are travelling).

Tailor the Policy to Your Needs

Standard policy can be easily complemented with one of travel insurance extras

Arrange cover for your laptop, mobile phones, iPads, cameras or video cameras. Avoid stress due to lost valuables getting their current value reimbursement.

Excess Waiver

Remove Excess deduction from your claim settlement should you have any. The higher the excess level of your policy is the less risks are covered by it.

Return Home Option

Anything may happen during your long-term trip abroad and you may need to return home earlier and resume a trip afterwards. Make sure your original cover does not expire due to the return.

Golfer’s Cover

Protect your own or hired expensive golf equipment and stay insured for your golf course closure. Golf pack and Hole-in-One cover are also insured.

Event Cancellation

If your trip is arranged to attend a special event, make sure you're insured in case the event is cancelled.

Thrilled to try cave diving or parachuting? These and many more activities can be easily added to your standard policy.

Frequently Asked Questions

What is annual multi-trip travel insurance.

This policy is tailored for people who travel twice or more a year. It allows you to take as many holidays as you like and stay covered all year long.

How does Annual Travel Insurance work?

If you buy Annual Multi Trip travel insurance, you'll be covered all year long, during all your trips and won't need to buy travel insurance every time when you travel.

Which year-long policy is the best?

You need to compare annual policy options and select the one that suits your trip needs. Globelink offer Annual policies with varying trip lengths so make sure you choose the best one to suits the number of days you will be away for all of your trips.

How much does Annual Multi-Trip Insurance cost?

It depends on the number of travellers, your age, where you go and your trip duration. The cheapest annual policy is £ (based on 1 adult aged up to 50 travelling in Europe for up to 17 days per trip).

When should I start Annual Travel Insurance?

You can choose the date that your policy commences by selecting a future Start Date, but Note: if you select a future Start Date you will NOT be covered for Cancellation Benefits for any pre-booked trips you have until the Start Date you select.

Why is Annual Multi-Trip Travel Insurance cheaper than Single one?

Annual Trip Insurance can be cheaper than Single travel insurance because an annual policy designed for those, who have many trips in a year of up to 120 days each trip. What's more, if you buy Annual Multi Trip policy taking the 45 days or above option, you get 17 days free Winter Sports cover as standard.

Where to buy Annual Travel Insurance?

You can select one of Globelink year long travel insurance options and specify an area of travel, the start date and duration of your trips and extra options based your needs in the online travel insurance quotation engine.

See also: expat travel insurance , gap year travel insurance , international travel insurance , student travel insurance , cruise travel insurance , best travel insurance , best value travel insurance , budget travel insurance , business travel insurance , camping insurance , cheap European travel insurance , cheap holiday insurance for over 65 , cheap travel insurance couples travel insurance , Easter travel insurance , essential travel insurance , extended travel insurance , extreme sports insurance , family travel insurance , fco travel advice , global travel insurance , group travel insurance , holiday travel insurance , last minute travel insurance , long stay travel insurance , long term travel insurance , one way travel insurance , worldwide travel insurance , yearly travel insurance , quick quote travel insurance , travel insurance for children , travel insurance for Europe , travel insurance for non UK residents , travel insurance for working abroad , travel insurance to America , travel insurance for UK residents , Annual Travel Insurance to Europe , Travel Insurance Policy Options , Coronavirus travel insurance

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

For reliable Travel Insurance, simply complete 5 quick & easy steps. Pay with your Visa, MasterCard, or PayPal and receive your policy documents by email in seconds.

Get 20% OFF Covid Testing with any Travel insurance purchase

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, annual travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Annual travel insurance could save you time and money if you’re going away more than once this year. Fly off as many times as you like without having to worry about getting insured for each trip. That’s one less thing to think about when planning your next holiday!

What is annual travel insurance and do you need it?

Annual holiday insurance is one policy that covers you for every trip you take over 12 months. It gives you a whole year of protection on your holidays, meaning you’re covered if you have a medical emergency or someone steals your belongings. 

You tell us the areas you want to travel to and any activities you want included, then we provide the right policy for you. What’s more, we offer family annual holiday insurance , cover for extreme sports , and business travel policies .

• Tick it off your to-do list for a whole year: Sort it once and you don’t have to think about it again for 12 months. Plan unlimited trips within your chosen region. You’ll be covered on your yearly holiday insurance as long as your circumstances haven’t changed
• The more you travel, the more you save: If you’re planning more than one trip this year, you could save time and money with annual travel insurance. Going away lots? The cost per trip will work out as even less!
• Tailor your policy to you and your trip: Our policies already have over 100 sports and activities covered . If you’re doing something a little bit different, you can add extra cover for activities like extreme sports , winter sports , cruises and golf
• Unlimited adventures: From a last minute weekend away to a once in a lifetime adventure. Trips within your chosen policy area are covered as long as they are no longer than our duration limit
• Flexibility is just a click away: Buy an annual policy and want to add on new parts of the world or activities? No problem, manage your policy online or give our team a call

Make sure you check the policy wording to see the full terms and conditions and details of what is and isn’t included. 

Is it better to get annual travel insurance?

It is often cheaper to get annual trip insurance than to buy two or more single trip policies over a year. 

If you’re only planning on going away once, you may find that our single trip travel insurance is better for you.

It’s not just the hospital costs that rack up if you become ill while on holiday, getting back to the UK can also be expensive. The ABI reports that a holidaymaker in Thailand had a bill of £250,000 when they became ill with a serious blood infection. This included an air ambulance to get them home.

How does annual travel insurance work?

Annual holiday insurance works by providing cover for multiple trips over a one-year period. Buy your policy before you travel and you don’t have to let us know when you set off on your next adventure. You’ll only need to get in touch if your medical situation changes, or if you want to travel outside of your chosen area.

If you do need to make a claim when you’re away, the policy remains in place for any future trips within the 12 months it covers.

What does InsureandGo’s annual travel insurance cover?

It’s important to choose the right annual travel insurance for you, find out what is and isn’t covered with our policies:

What’s covered?

All our yearly holiday insurance policies include:

• Medical and hospital expenses cover
• Cover for cancellation of your trip
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover
• Our 24-hour emergency assistance team , available to call, day or night
• Unlimited trips within your chosen region, as long as they don’t exceed our trip duration limit

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . We will consider all pre-existing medical conditions, find out more about medical travel insurance .

The excess and amount of cover available varies depending on the level of annual travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions, including what is and isn’t covered.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our annual travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

To check the policy exclusions and what is and isn’t included, take a look at our policy wording .

The best annual travel insurance for your trip

We can help you tailor your travel insurance to suit your holiday style, whether that’s setting sail, teeing off or hitting the slopes. Whatever adventures await, we can provide additional cover for a range of activities to make sure you have the best multi-trip cover:

• Cruises : Providing extra cover for problems particular to cruise travel. What’s more, our cruise insurance has no upper age limit and we’ll consider any medical condition
• Golf : Cover equipment, green fees and more for your entire trip – even if you spend the whole holiday on the course
• Business travel : Cover for accidents, illness and flight cancellations during your business trip 
• Winter sports : With an annual travel insurance policy, you can add winter sports travel insurance for up to 17 days on the slopes. Whether you enjoy skiing, snowboarding or even bobsleighing, find out what we cover .  
• Extreme sports and hazardous activities : Everyone deserves to have some laughs on holiday. Even if your idea of fun is jumping out of a plane. Our standard policies already cover over 100 sports and activities. If you enjoy something from the more extreme end of the scale, take a look at our hazardous activities cover

Which destinations are covered by our annual travel insurance?

We offer yearly holiday insurance policies for the following areas: 

• Europe (plus countries bordering the Mediterranean Sea, Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

If you already have an annual policy and are now travelling further afield, you can upgrade your cover. Or you can buy single trip cover for that specific trip outside your region.

To discuss your options, or ask us any questions regarding which area your trip falls into, get in touch . 

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

How to book your annual multi-trip travel insurance

We know your planning to-do list for your next holiday can be long. So we make getting annual travel insurance as simple as possible:

1 . Share a little info about your trips

This includes who you want to cover and when you want the policy to start.  We will also ask you about any pre-existing medical conditions.

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will show you your quote. At this stage you can go ahead and buy your policy, or save the quote for future.

“If you’re planning to go away more than once this year, an annual travel insurance policy could be just what you need. It can save you time and money and means you’re ready for any last minute trips with no added hassle to sort your cover.  With cancellation cover, over 100 sports and activities included , and our 24/7 emergency medical helpline, you get all the benefits of a single trip policy for a full year of adventures.” Letitia Smith – Travel insurance expert

Annual travel insurance with pre-existing medical condition cover

You must declare your pre-existing medical conditions when you buy annual travel insurance. We will ask you some simple medical screening questions to determine your quote. 

If you don’t declare your medical conditions, if anything happens related to that condition while you’re abroad, you won’t be covered and may be liable for the medical costs.

If your health changes during the time your annual travel insurance policy is active, get in touch as soon as possible. For full details, read your policy documents or our page on pre-existing medical conditions .

Frequently asked questions on annual multi-trip travel insurance

Is annual travel insurance cheaper than single trip.

If you’re planning on going away more than once in the coming year, it’s often cheaper to buy an annual travel insurance policy. However, if you only have one holiday planned, our single trip travel insurance may be better for you.

When does annual travel insurance start?

Annual travel insurance covers you from the date you choose when buying the policy. Unlike a single trip policy, which covers cancellation from the moment of purchase.

We recommend starting the policy as soon as you have booked your trip, or as soon as your current policy expires.

Does annual travel insurance automatically renew?

Once you’ve had your travel insurance for a year, we’ll make sure you stay covered by automatically renewing your policy (unless you ask us not to).

We’ll write to you at least 21 days before the renewal date, and tell you about any changes to the premium or the policy terms and conditions. If you don’t want your policy to auto-renew, contact us. You can tell us about any changes to your details or opt out of automatic renewal at any time.

Can I cancel my policy?

If you decide the policy isn’t right for you, you can cancel your annual travel insurance during the ‘cooling-off’ period. You must write (either by email or letter) to us within 14 days of buying your policy or the date you receive your policy documents, whichever is later.

If you haven’t travelled on the policy or made a claim, cancelling within 14 days means we will refund the policy in full.

How much does annual travel insurance cost?

The cost of an annual travel insurance policy depends on many factors, including:

• Where you’re travelling to
• Any pre-existing medical conditions
• The right level of policy cover for you
• Any policy add-ons you need 

It is quick and easy to get a quote online or call us on 0808 281 0594.

How long does annual travel insurance last?

An annual travel insurance policy will last 365 days, covering unlimited trips to your chosen region. Find out how long each trip can be below.

How long can I stay abroad on an annual policy?

Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days per trip for Black policies. If you want to be abroad longer than this, you’ll need our long-stay travel insurance .

How many times can I travel on an annual policy?

As many times as you like! Our annual travel insurance covers you for unlimited trips over the one year period. Don’t forget, there’s a limit on how long each trip can be: 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

How many times can I claim on annual travel insurance?

Under your policy, you will be protected on each trip you take. This allows you to submit a claim each time you travel, regardless of the number of trips you’ve taken, or if you’ve previously claimed on this policy before.

Does annual family travel insurance cover individuals?

Yes, all adults on a yearly family travel insurance policy can travel independently. Meaning you can use the same policy to cover trips without your family within the same region. Children under 18 need to be travelling with an adult named on the same policy as them in order to be covered.

Does annual travel insurance cover cancellation?

Yes, all of our annual multi trip insurance policies cover cancellation of your trip, up to £10,000 per person on Black policies, for certain reasons outside of your control.

You cannot claim if you cancel because you changed your mind and don’t want to travel, but you may be able to claim if you cancel due to a medical condition following the advice of a medical professional. 

Please read our policy documents for more information and full details of what is and isn’t included under cancellation cover.

Is a GHIC card enough to cover annual travel insurance?

It’s important to also have travel insurance in place for your trip. EHIC and GHIC cards do not cover all medical costs, including medical repatriation, and the scheme doesn’t include all countries. Find out which are included on the NHS website . 

Travel insurance will also provide protection for things like unexpected cancellation of your trip, legal expenses or the loss or theft of your belongings. Buying a travel insurance policy, even when going on holiday in a country covered by the GHIC card, is recommended for these reasons.

Who can buy an InsureandGo annual multi-trip policy?

All our annual travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of purchase
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Call us free on   0330 330 9465 or email [email protected] | Monday to Friday, 9am to 5pm

Advisor Center

Annual Travel Insurance

Quick Links

Understanding annual travel insurance, benefits of annual travel insurance, coverage options for annual travel insurance, how does annual travel insurance work, considerations for choosing annual travel insurance, who needs annual travel insurance, why do i need annual travel insurance, balancing cost and coverage, related links.

• Guide to Travel insurance
• Types of Travel Insurance
• UK travel insurance
• European travel insurance
• Single trip travel insurance
• Annual travel insurance
• Domestic travel insurance
• International insurance
• Corporate travel insurance
• Student travel insurance
• Senior citizen travel insurance
• Multi-trip travel insurance
• Individual travel insurance

Related Blogs

Countries that need an international travel insurance policy.

Travelling to foreign lands offers exciting opportunities for exploration, cultural immersion, and adventure. However, amid the thrill of planning an international trip, it is crucial to prioritise safety and preparedness. One essential aspect of travel preparation is...

How much does Travel Insurance cost?

Travel insurance stands as a fundamental pillar of protection in the realm of exploration, offering travellers a safety net against the uncertainties and unforeseen challenges that may arise during their journeys. Travel insurance provides essential financial coverage...

What Travel Insurance Covers

Travelling holds a promise of adventure, exploration, and discovery, but it also carries inherent risks and uncertainties. From unexpected medical emergencies to trip cancellations, lost luggage, or natural disasters, travellers may encounter a myriad of challenges...

How to choose the right Travel Insurance Policy

Travelling is an exhilarating experience that allows you to explore new cultures, cuisines, and landscapes. However, amidst the excitement of planning your trip, it is essential not to overlook the importance of travel insurance. A comprehensive travel insurance...

Importance of Travel Insurance

Travelling, with its promise of adventure and discovery, has long captivated the hearts and imaginations of wanderers worldwide. From exploring ancient ruins to basking on pristine beaches, the allure of new experiences beckons travellers to distant shores and...

Understanding Travel Insurance

In the realm of travel, uncertainty often lurks around the corner, waiting to disrupt meticulously planned itineraries and dreams of exploration. From unforeseen emergencies to sudden cancellations, the journey of a traveller can be fraught with risks. Enter travel...

Holiday Travel Insurance

The anticipation of a holiday is a delightful feeling, filled with dreams of exploration, relaxation and new experiences. Yet amidst the excitement of planning the perfect getaway, it is essential not to overlook the importance of holiday travel insurance. This...

Medical Travel Insurance

Travelling to new destinations can be exhilarating, but it is crucial to prioritise your health and well-being while abroad. That's where medical travel insurance comes into play. Whether you're planning a leisurely vacation or a business trip, having adequate medical...

Martin Lewis Travel Insurance with Pre-existing Medical Conditions

Travel insurance is vital to planning any trip, providing peace of mind and financial protection against unexpected events such as trip cancellations, medical emergencies, and lost luggage. However, finding suitable travel insurance coverage for individuals with...

Family Travel Insurance

Travelling with family is a joyous experience filled with laughter, adventures, and cherished memories. However, amidst the excitement of planning a family getaway, it is essential to prioritise safety and security. Family travel insurance serves as a crucial safety...

Usefull Links

• Income Protection Insurance
• Unemployment Protection Insurance
• Redundancy Protection Insurance
• Accident, Sickness & Unemployment Insurance
• Private Medical Health Insurance
• Loan Protection Insurance
• Mortgage Protection Insurance
• Life Insurance
• Life Accident Sickness & Unemployment

Speak to a specialist

Sometimes it's easier to speak to a human. If you’d rather have a chat with one of our trained protection specialists, you can call us on 0330 330 9465. Our offices are open Monday to Friday, 9am to 5pm.

Travelling holds the promise of adventure, cultural immersion, and unforgettable experiences. Still, amidst the excitement of planning multiple trips throughout the year, it is essential to prioritise safety and security. Annual travel insurance stands as a beacon of protection for frequent travellers by offering comprehensive coverage and peace of mind against unforeseen challenges and emergencies that may arise along the way. In this comprehensive guide, we delve into the intricacies of annual travel insurance and uncover its benefits, coverage options, considerations for travellers, and insights into finding the right policy to suit your needs and preferences.

Annual travel insurance serves as a lifeline for frequent travellers by providing year-round coverage for an unlimited number of trips within a specified period. Unlike single-trip insurance, which offers protection for a specific journey, annual travel insurance offers continuous coverage, allowing travellers to embark on multiple trips throughout the year without the need to purchase individual policies for each trip. This combines convenience, flexibility, and cost-effectiveness for travellers who frequently explore different destinations or embark on business trips.

One of the primary benefits of annual travel insurance is its comprehensive coverage, which extends to a wide range of risks and uncertainties that travellers may encounter during their journeys. This coverage typically includes reimbursement for emergency medical expenses incurred abroad, ensuring that travellers have access to quality healthcare services without facing exorbitant costs. Additionally, annual travel insurance offers coverage for trip cancellations or interruptions due to covered reasons such as illness, injury, extreme weather, or unforeseen events, thereby safeguarding travellers’ financial investment in non-refundable travel expenses.

Moreover, annual travel insurance often includes benefits such as coverage for lost, stolen, or delayed baggage, as well as compensation for additional expenses incurred due to travel delays, and assistance with emergency evacuation or repatriation in the event of serious illness or injury. By providing comprehensive protection against a wide range of risks and challenges, annual travel insurance allows travellers to explore the world with confidence and knowing that they are prepared for whatever adventures may come their way.

Annual travel insurance offers a range of coverage options tailored to meet the diverse needs and preferences of frequent travellers. These options may include:

Emergency Medical Expenses: Coverage for medical expenses incurred during any trip taken within the policy period, including hospitalisation, doctor visits, prescription medications, and emergency medical evacuation or repatriation.

Trip Cancellation/Interruption: Reimbursement for non-refundable travel expenses if any trip needs to be cancelled or is interrupted due to covered reasons such as illness, injury, or extreme weather.

Baggage and Personal Effects: Compensation for lost, stolen, or delayed baggage, including reimbursement for essential items and personal belongings.

Travel Delay: Coverage for additional expenses incurred due to unexpected travel delays, such as accommodation, meals, and transportation.

Emergency Assistance Services: Access to 24/7 emergency assistance services, including medical referrals, travel arrangements, and guidance on navigating unfamiliar situations.

By selecting coverage options that align with their specific needs and preferences, frequent travellers can ensure that they have comprehensive protection against the risks and challenges of their adventures.

Annual travel insurance works by providing comprehensive and continuous coverage for frequent travellers throughout the duration of a year. Upon purchasing an annual travel insurance policy, travellers are covered for an unlimited number of trips within the specified period, typically ranging from 12 to 365 days. Throughout the year, travellers can embark on multiple journeys, whether for leisure or business purposes, without the need to purchase individual policies for each trip.

In the event of unforeseen and untimely circumstances such as medical emergencies, trip cancellations, lost baggage, or travel delays, travellers can contact their insurance provider for assistance and support. The insurance provider will assess the situation and determine the coverage applicable to the specific circumstances, providing reimbursement for medical expenses, compensation for non-refundable trip expenses, assistance with lost or delayed baggage and other benefits as outlined in the policy. By offering continuous coverage for an entire year, annual travel insurance ensures that frequent travellers can explore the world with confidence, knowing that they are protected against any unexpected challenges that may arise during their journeys.

When selecting annual travel insurance, there are several considerations and insights that frequent travellers should keep in mind to ensure they choose the right coverage for their needs. Firstly, it is essential to assess your coverage requirements based on factors such as destination preferences, anticipated trip frequency, activities planned, and personal health considerations. By understanding your coverage needs, you can select a policy that offers comprehensive protection against the specific risks and challenges you may encounter during your travels.

Additionally, travellers should carefully review the terms and conditions of the policy, including coverage limits, exclusions, and any conditions that may affect your eligibility for coverage. Reading the fine print and understanding the details of the policy is essential to ensuring that you have a clear understanding of what is and is not covered, as well as any limitations or restrictions that may apply.

Furthermore, travellers should consider the reputation and reliability of the insurance provider when choosing annual travel insurance. Opt for reputable insurance companies with a track record of excellent customer service and reliable claims processing to ensure that you receive prompt assistance and support in the event of emergencies or disruptions during your travels.

Annual travel insurance is ideal for frequent travellers who embark on multiple trips throughout the year. This type of insurance provides year-round coverage for an unlimited number of trips within a specified period, combining convenience, flexibility, and cost-effectiveness for those who frequently explore different destinations or undertake business trips. Travellers who take three or more trips a year can benefit from the continuous coverage and comprehensive protection offered by annual travel insurance, ensuring that they are prepared for any unforeseen emergencies or disruptions that may arise during their travels.

Additionally, yearly travel insurance is well-suited to individuals who prioritise convenience and prefer to have their insurance needs covered for an extended period, eliminating the hassle of purchasing individual policies for each trip. Whether it is for business, leisure, or a combination of both, annual travel insurance provides peace of mind and security for frequent travellers, allowing them to explore the world with confidence and resilience.

Annual travel insurance is essential for individuals who embark on multiple trips throughout the year, offering comprehensive coverage and peace of mind against the uncertainties and challenges of travel. Unlike single-trip insurance, which provides protection for a specific journey, annual travel insurance offers continuous coverage for an unlimited number of trips within a specified period — typically a year. This provides convenience, flexibility, and cost-effectiveness for frequent travellers, eliminating the need to purchase individual policies for each trip. With benefits such as coverage for emergency medical expenses, trip cancellations or interruptions, lost baggage, and travel delays, annual travel insurance ensures that travellers are prepared for whatever adventures may come their way, allowing them to explore the world with confidence and resilience.

Ultimately, finding the right annual travel insurance policy involves striking a balance between cost and coverage to ensure that frequent travellers have adequate protection at a price that fits within their budget. While cost is undoubtedly a significant consideration, it is essential not to sacrifice coverage or benefits in favour of lower premiums. Annual travel insurance serves as a critical safety net, offering protection and peace of mind in the face of unforeseen circumstances. Investing in comprehensive coverage can prove invaluable for frequent travellers who embark on multiple trips throughout the year.

By understanding the benefits, coverage options, considerations, and insights for choosing annual travel insurance, frequent travellers can embark on their journeys with confidence, resilience, and security, knowing that they are prepared for whatever adventures may come their way. So pack your bags, embrace the allure of travel, and embark on a year of discovery, secure in the knowledge that you have the protection and support of annual travel insurance by your side.

• Travel insurance

Annual travel insurance

Multi-trip cover to suit your travel needs.

Arranged, administered and underwritten by Chubb European Group SE (CEG). 

Award-winning Travel Insurance

As voted by The Times Money Mentor Awards 2023

What is annual travel insurance?

If you’re planning on travelling abroad or in the UK more than once in the next year, then an annual travel insurance policy could cost you less. 

Annual travel insurance:

• covers all your trips
• takes away the hassle of arranging a new policy each time you go away, and
• offers optional extensions at an extra cost (such as winter sports, cruise, golf and business). 

Annual travel insurance is part of our travel insurance. You can choose to take out either annual multi trip or single trip cover to suit your needs. 

To get a quote, visit our travel insurance page

Annual travel cover benefits

Rated 5 star in 2023

for quality by Moneyfacts.

Online discount

Santander customers get a 30% discount when applying online.

Unlimited medical cover

We’ll cover the cost of medical treatment while you’re abroad if you get sick or injured. Limitations and exclusions may apply.

How does annual travel insurance work?

• Annual travel insurance covers you for every trip you take in a 12-month period. 
• You can choose between a European or worldwide policy to suit you. Each policy also takes into account the higher costs of medical treatment. 
• It’s available to customers aged 74 years and under . If you are aged over 74, you might want to choose single trip cover
• It covers you for up to 31 days in a row and up to 180 days in a year.
• You can also choose to add optional extras including the winter sports extension – you’ll be covered for up to 21 days a year doing winter sports. 
• Annual travel cover is part of our travel insurance. To get annual travel cover, you’ll need to get a quote for travel insurance. You’ll then have the option to choose between annual or single trip.

The best time to get travel insurance is as soon as you book your trip, as cancellation benefits will begin as soon as the policy starts. However, if you won’t be making more than one trip a year you might want to consider a single travel policy.

Get a quote

What's covered by annual travel insurance

If your luggage is lost, damaged or stolen.

We’ll pay up to £2,000 for repair and replacement costs if your luggage is damaged, lost or stolen. The amount of £2,000 relates to personal property, with a single item limit of £300. This excludes money, passports or valuables left unattended (unless locked away). We’ll also pay £200 if it was delayed for at least 12 hours on your outward journey.  

If you have to cancel or cut your trip short

We’ll pay up to £5,000 if you have to cancel your trip or cut it short due to circumstances you were unaware of when you took out the policy. We’ll refund the cost of travel, accommodation and any pre-paid tours you didn’t use. We’ll also pay for accommodation and travel to get you home to the UK. We’ll only do this if someone you’re travelling with dies, or suffers a serious injury or illness.

If you get sick or injured

We’ll cover the cost of medical treatment while you’re abroad if you get sick or injured. Any medical treatment you receive must be within a year of the injury or illness first happening. Limitations and exclusions may apply. 

Covers all your trips for a year

You can go away for up to 31 days in a row, and up to 180 days in total in one year. You can buy an extension which means you can be away for 62 days in a row. If you do this, there’s no limit to the number of days you can be away in a year. 

To see what’s not covered by travel insurance, take a look at the table on our travel insurance page

Annual Multi-trip Travel Insurance

Going away more than once over the next year? If so, a starttravel.co.uk multi-trip travel insurance might be the right choice for you.

Why Choose an Annual Multi-trip Travel Insurance Package Over a Single Trip Policy?

An annual travel insurance policy can often cost less than a single trip policy overall if you have two or more trips planned over the year. So, purchasing an annual multi-trip insurance policy can save you money and can allow you to relax in the knowledge that you are covered for a whole year.

Your annual multi-trip cover will commence on your chosen date and will continue for the next 365 days.

Will I Be Able to Tailor my Multi-trip Policy to Suit my Particular Holiday Needs?

Yes! You can tailor your policy to suit your needs and this can include adding an additional activity to your policy, such as golf , enhanced gadget cover or winter sports .

Simply enter your details into our user friendly ‘quote and buy’ system to get your quote today.

Once you have purchased your Annual Multi-Trip travel insurance cover, your documents will be emailed to you instantly.

What is Multi-trip Travel Insurance?

Purchasing an annual multi-trip insurance policy is a wise investment if you are planning to go on more than one trip abroad in a year.

Rather than buying a single trip travel insurance policy for each trip you go on, it could be more cost effective to look at the benefits offered from multi-trip holiday insurance.

What Does an Annual Multi-trip Policy Cover?

Depending on the type of insurance chosen, the multi trip holiday insurance policy is likely to include (but not limited to) emergency medical expenses, cancellation cover, legal expenses, possessions, personal accident cover, personal liability cover and travel delays.

Why Should I Choose Multi-trip Travel Insurance?

As travel is increasingly more accessible to more people, it gives a chance for travellers to go on multiple trips in a single year. So, for holiday makers embarking on a trip on their own or with friends or family, annual travel insurance becomes even more necessary.

Family Travel Insurance for Multiple Trips

With the facility to get a quote and purchase an annual multi-trip travel insurance package for all of the family directly via our website, arranging your family annual travel insurance has never been easier.

Do You Need Annual Travel Insurance?

If you're thinking of going away more than a couple of times in a year, then it makes perfect sense to invest in an annual travel insurance policy. However, if you're just going on one trip then it might be best to compare annual travel insurance with our single trip travel insurance .

Terms and Conditions apply. Please note, an excess may apply for any claim. For more details, please see the policy wording or call us on 0333 320 1240. The above amounts are based on per person.

Even if your EHIC (European Health Insurance Card) is still in date, you still need travel insurance. Your EHIC isn’t a substitute for travel or health insurance.

The EHIC entitles you to state-provided health care in the EU and the UK - but not in Iceland, Liechtenstein, Norway or Switzerland.

The EHIC will cover some or all of your medical costs, but it won’t cover certain expensive costs such as airlifting from ski resorts or repatriation. If you don’t have travel insurance you will be liable to pay for these out of pocket costs.

The same rules and regulations apply to the GHIC (Global Health Insurance Card), which you can apply for once your EHIC has expired.

Therefore, we would always recommend that you purchase multi-trip travel insurance if you intend on visiting multiple countries in a year.

A pre-existing medical condition can be a long-term or short-term illness you’ve had before booking your travel insurance. By our definition, a pre-existing medical condition includes tests, symptoms, diagnosis or medical treatment.

Simply declare your pre-existing medical conditions throughout our quote process , and we can inform you if we cover your medical conditions.

If you’re unsure what can or can’t be covered and if we cover your specific medical condition, please don’t hesitate to contact us today.

We will not be able to cover your pre-existing medical conditions if you haven’t declared all these on your policy or if you haven’t paid any additional premium in full.

Additionally, if you haven’t received written confirmation from us, indicating that we will cover your pre-existing medical conditions, your multi-trip travel insurance policy may not be valid.

For more information, please go to our pre-existing medical conditions page .

Yes, you should ideally buy travel insurance straight after booking your trip. This means from the policy start date, if you need to cancel your trip for any reason covered by the policy, you’ll be able to make a claim.

Buying annual travel insurance every year is a good idea for frequent travellers because you’ll know you’re always covered if you need to cancel ahead of your trip.

Your current annual travel insurance policy will need to be valid at the time of booking your trip to ensure you are covered for cancellation. If purchasing a new annual travel insurance policy, remember to set the start date from the date of booking your trip.

We use essential cookies to ensure our site is safe and works properly. We also use analytics cookies to offer you a more personalised experience and to improve our site. To find out more and manage your cookie preferences, please choose ‘Manage’ or view our cookies policy .

Helping you make the most out of your money

Searching Money Mentor . . .

The best travel insurance providers.

Updated March 26, 2024

In this guide

If you’re looking to escape the UK winter, or if you’re saving your holiday for the height of summer, you may wish to consider travel insurance. We explain what travel insurance is and some of the best policies on the market for your holiday.

In 2022, UK residents made 71 million visits abroad. This was over three times the amount made in 2021, when COVID restrictions kept many people at home. 

So if you’re part of a growing number of people spending time abroad, have you considered travel insurance? By taking out one of these policies you could be protected for lost baggage, delayed flights, and medical emergencies abroad among other unforeseen events.  

In this article we explain:

• What is travel insurance

What does travel insurance cover?

The best travel insurance.

• Travel insurance and medical conditions

Read more: Passport renewal costs and waiting times

What is travel insurance?

Travel insurance covers the cost of unforeseen events and mishaps that either stop you from going on holiday or affect you while you’re away.

Depending on the policy, travel insurance might cover you for:

• Medical bills if you suffer illness or have an accident while you’re away
• Cancellation of your trip for reasons outside of your control
• Lost or stolen baggage

Policies are usually relatively inexpensive and can give you the peace of mind that your costs will be covered if something bad happens while you are on holiday.

According to the Association of British Insurers (ABI), a trade body, the average claim on travel insurance in 2022 was a little over £970. So while travel insurance won’t stop bad things from happening, but it can prevent you from having to find the money to pay for unexpected costs even after you return from your holiday.

Read more: Ten budget travel tips

Many people opt to take out travel insurance to cover potential medical care while away.

Every week, 3,000 Brits need emergency medical treatment while abroad, according to the ABI. But travel insurance isn’t just about covering medical costs. It can protect you against a range of unplanned events:

• Cancellation or trip interruption for reasons outside your control
• Missed transport or delayed departure for reasons outside your control
• Personal injury and death, including medical evacuation
• Lost, stolen or damaged items, including baggage, passports and money – check if your home contents insurance covers you
• Accidental damage or injury caused by you

Does travel insurance cover cancelled flights?

Most travel insurers provide a basic level of cover for cancelled flights. Aviva’s travel insurance, for example, will pay out if your flight is cancelled due to an airport shutdown.

If your airline cancels your flight then you should claim a refund directly with them, so your travel insurance could cover other costs such as hotel bookings, vehicle rentals, and other possible excursions.

What are my rights during strike action?

If your flights are cancelled because air staff are striking, which they have over last summer, you might be entitled to compensation from the airline. But for this to apply, customers must have been given less than 14 days’ notice.

It also depends on whether the airline was at fault or not: so if it’s the airline’s staff who are striking, you should be entitled to compensation.

If you’re worried that your flights might be delayed or cancelled, you should also check your travel insurance policy.

Some policies cover you for a cancelled or delayed flight, provided you took out the policy before the strikes were announced.

But if you haven’t yet bought your insurance, you may be out of luck. This is because most insurers won’t cover you for strikes which were already known about.

Read how travel insurance could catch you out.

Below we’ve listed some of the best travel insurance providers on the market, all of which were nominated in Times Money Mentor awards 2023.

Times Money Mentor award winning cover

Best for over-50s

Post Office

Best for those with pre-existing medical conditions

Best for those wanting substantial medical cover  

Best for a range of unique add-ons

Looking for a new holiday destination?

Make sure to visit Times Travel for your holiday inspiration this year. From palm beaches in Fiji to the beautiful Italian coastline, Times Travel caters to all different tastes. Unlike other parts of the site, you also don’t need a subscription to enjoy their high-quality content.

Another notable provider

Despite not winning a nomination at the Times Money Mentor awards, this provider also offers a decent level of cover:

Switched On

The best travel insurance for cruises.

If you’re thinking about taking a cruise, it’s important to take out special additional cover such as a cruise insurance to protect you.

Cruise insurance is normally offered as an add-on to travel policies, and protects you if you:

• Miss connections to reach the departure
• Fail to get back on board after planned stops
• End up being confined to your cabin

Though if you want a dedicated travel insurance policy for a cruise, here’s an option to consider:

Just Travel Cover*

Best for cruise holidays

The best winter sports cover

If you’re planning a skiing and snowboarding trip then it’s important you have insurance that will cover you if you’re involved in an accident on the slopes.

Most travel insurers will offer winter sports cover as an optional add-on to their regular cover and will protect you if you:

• Need to be airlifted off the slopes or rescued and need medical treatment
• Turn up and there’s no snow
• Can’t start skiing and snowboarding because of avalanche risk
• Find out your equipment – such as skis, snowboard and boots – has been stolen

It’s difficult to predict what the next ski season will look like. But if you’re booking now and want cover for the essentials, here’s a policy to factor into your calculations.

InsureandGo*

Best for winter sports

What should a basic travel policy cover?

When shopping for travel insurance, you should ensure your policy comes with the following seven things as standard:

1. Medical expenses

This covers the costs of any emergency medical and surgical treatment while you’re away.

It usually costs more for cover in the US as medical bills can run into the tens or hundreds of thousands of dollars. Any treatment that can wait until you get home is not usually included.

Most policies offer cover of £1 million for medical costs in Europe. This is usually £2 million in the US.

2. Repatriation

This is where you might need to be evacuated from the country you’re visiting.

Repatriation usually happens when you need to get back home to the UK in the event of a medical emergency and is usually covered as standard in most travel insurance policies.

3. Cancellation/curtailment

This covers any travel and accommodation costs you have paid for and can’t use or claim back.

You need a good reason to cancel your trip, so make sure you double check the terms and conditions of your policy.

4. Missed departure

This covers your extra accommodation costs and travel expenses should you miss your departure due to situations outside your control.

It usually includes your car breaking down or being involved in an accident. Leaving home at the last minute won’t count.

This covers you for delays to your travel plans, such as severe weather conditions.

Delays known about before (such as strikes) won’t be covered.

6. Baggage cover

This should cover you if your baggage is lost, stolen, damaged or destroyed.

You might need extra cover for gadgets or valuable possessions as there are usually limits on separate items.

Losses need to be reported within a certain time frame and you must have a written report from your airline if it loses your baggage.

7. Personal liability cover

This should cover you if you are liable to pay damages due to:

• Accidental bodily injury to someone
• Or for loss or damage to someone else’s property
• Claims made by family members or employees won’t be covered

Choose a smooth private healthcare journey with Saga Insurance

• Easy access to a specialist

• Fast tests, scans and treatment

• Comfortable hospital stay

Get a Saga Health Insurance quote

For people over 50. Saga Health Insurance is a unique product designed by us specifically for our customers, and it’s only available through us. Together with our underwriter, Bupa Insurance Limited, we are committed to providing high standards of quality and service. 

What extra cover can you buy?

To provide a peace of mind you might be able to add the following onto your policy too:

• Wedding cover – If you’re travelling abroad for a wedding, some providers might include an add-on which covers damage to your possessions. If you think you need something more comprehensive, then consider a separate wedding insurance policy
• Gadget insurance – While you’re abroad you may wish to cover your laptop, phone, or tablet from theft or damage
• Golf equipment cover – Planning to tee off abroad? Then consider cover for moving your clubs overseas. This type of add on includes cover for your equipment if it is lost, stolen, or accidentally damaged

Read more: Is credit card travel insurance any good?

What is not covered by travel insurance?

Travel insurance won’t cover you for a risk that is known about.

For example, if you have a long-standing medical condition that means you can’t go on holiday, your insurer might not cover you for the cancellation costs.

Insurers also won’t cover you if you have to cancel your trip for reasons within your control. For example, if you miss your flight because you woke up late, your claim is likely to be rejected.

Travel insurance is also unlikely to cover you if you have been irresponsible. For example, if you leave your valuables in your hold luggage then your policy won’t cover you if these items are damaged.

Each travel insurance policy will have specific things it won’t cover and this will vary depending on the provider. So it’s important to read the terms and conditions carefully.

What types of travel insurance can you buy?

There are two main options to choose from when taking out a travel insurance policy:

• Single trip — covers you for one trip of a specified length only
• Annual multi-trip — covers you for all your trips for one year (if you travel a lot this can work out cheaper than lots of single policies)

You need to make sure that either option of travel insurance covers you for where you are going, such as:

• Europe only
• Or the more expensive, worldwide policies (these either include or exclude the US)

But check first which exact countries providers include in their policies. For example, some policies include Turkey, Morocco, Tunisia and Egypt in their Europe insurance.

There is also specific travel insurance for backpackers, which offers extra cover for those who are likely to be away for an extended period of time or travelling to multiple destinations.

Also bear in mind that if you are doing any extreme sports like skiing or going on a cruise then you might need to buy an add-on.

When should I take out travel insurance?

It’s usually best to take out travel insurance as soon as you have booked your trip.

While many people think of travel insurance as something that covers problems while they are away, some policies cover you for issues, accidents and illnesses that stop you from being able to travel.

Cancellation is one of the main reasons that people claim on a travel insurance policy. If the cancellation happens before you have bought insurance then you wouldn’t be able to claim.

How much should I pay for travel insurance?

Your travel insurance premium will depend on a range of factors such as your age, health, type of policy, and destination. This is why an average travel insurance premium will likely be meaningless, so make sure to do your research and get a quote from several different providers before deciding on a policy.

Do I need travel insurance?

Unlike car insurance, travel insurance isn’t a legal requirement. However, it does come with a host of benefits such as cover for medical expenses.

We’ve already listed the benefits of having protection for unexpected medical costs above, and it remains pertinent if you’re travelling abroad and won’t have access to the NHS. According to the ABI, there is one recorded case in 2022 when a traveller in Thailand contracted a serious blood infection which needed intensive medical treatment. The bill eventually came up to £250,000 which was paid in full by their travel insurance provider.

Also consider that some visa applications require you to have a suitable travel insurance policy in place before you apply. If you’re applying for a Schengen visa to travel Europe you’ll need a policy in place which covers medical expenses up to €30,000 during your trip.

FAQs: Travel insurance and medical conditions

Many people solely take out travel insurance to protect themselves from medical expenses. According to the ABI, the average medical claim on travel cover is more than £1,300. Notoriously in the US, these figures run into the tens or hundreds of thousands of pounds.

So below we’ve answered some of the most common medical related questions on travel insurance:

Q. Does travel insurance cover pre-existing medical conditions?

Some insurers do provide cover for pre-existing conditions. However, it is vital that youflag these conditions during the application stage. If you don’t it could invalidate your policy.  

Q. Do you need to tell your travel insurance provider if you have a new medical condition?

If there is a significant change to your personal health then you’ll need to inform your travel insurance provider. This includes being diagnosed with a new long-term illness.

Failure to do so could invalidate your policy.

Q. Can you get travel insurance if you’re over 75 with medical conditions?

Yes. In fact, there are some providers on the market which tailor their policies towards an older demographic. For example, Saga has dedicated policies for over 50s and 70s.

* All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see  How we make our money  and  Editorial promise

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

What is travel insurance and is it worth it?

A technical issue with UK air traffic control systems left thousands of travellers facing long delays on one of the busiest days of the year in August. You have travel rights, so is it worth having travel insurance? Hundreds of flights were delayed and cancelled on bank holiday Monday due to the fault. The incident […]

Am I entitled to flight delay compensation?

In September, hundreds of flights were cancelled or delayed due to a “technical issue” with UK air traffic control systems. It left hundreds of passengers stranded. Here we explain your rights when it comes to flight compensation. Air traffic control faults are classified as “extraordinary circumstances” and therefore airlines do not have to give you […]

Is credit card travel insurance any good?

We explain how travel insurance on credit card works and look at the pros and cons of using it. Some rewards credit cards offer travel insurance. However, your credit card is unlikely to give you all the cover you need as full medical insurance is not included. This article will cover: Related content: What are […]

Sign up to our newsletter

For the latest money tips, tricks and deals, sign up to our weekly newsletter today

Your information will be used in accordance with our Privacy Policy.

Thanks for signing up

You’re now subscribed to our newsletter, you’ll receive the first one within the next week.

Cards, Loans & Savings

Car & home insurance, pet insurance, travel insurance, travel money card, life insurance.

Annual multi-trip travel insurance

Cover for unlimited travel for one year. Underwritten by Great Lakes Insurance UK Limited.

Retrieve saved details

What is annual multi-trip travel insurance?

Annual multi-trip travel insurance provides you, your family or your partner with essential cover for an unlimited number of trips abroad for a year. It can be more cost effective than taking out  single trip cover  every time you go abroad. You could travel worldwide, including the United States, Europe, India and Australia*, knowing you’ll get the same benefits. Discount doesn't apply to premiums for pre-existing medical conditions or enhanced gadget cover.

The benefits of Sainsbury’s Bank Annual Multi-trip Travel Insurance

With our Annual Multi-trip cover, you’ll get:

• Up to 20% off if you’re a Nectar member. Exclusions apply*
• The choice of 3 levels of cover – Silver, Gold and Platinum
• Cover for a wide range of pre-existing medical conditions – make sure you declare them when you get a quote
• Cover for most sports and activities including wakeboarding, tennis, ice skating and marathon running. A full list can be found in our policy booklet
• A 24-hour helpline available in case of medical emergencies while you’re away

Not a Nectar member? No problem. Just download the Nectar app or register at  nectar.com .

What's covered?

Choose from three levels of cover with our annual multi-trip travel insurance – Silver, Gold or Platinum – for protection that best suits your needs.

Excesses may apply; please see the  policy booklet  for full details.

Covid-19 Cover

Covid-19 cover is included as standard on all of our policies. Don’t forget to check the latest  Foreign, Commonwealth and Development Office (FCDO)  and local government travel advice before you go. You won’t be covered if you travel against it.

For full details of the Covid-19 cover provided on new and existing policies take a look at our  policy booklet .

Optional extras

Planning on a golf trip or going skiing? Will you be renting a car or packing valuable electronics?

Either way, it's helpful to have extra cover for the accidents and delays that can be associated with activities like this.

Our optional extras can help you travel with confidence that you’re covered. Just add them to your annual multi-trip insurance cover (additional costs apply) when you get a quote.

Things to think about before you go

We want to help make sure that you and your loved ones have the right level of cover. Here’s some important information you need to know before you start a quote:

• The number of trips covered is unlimited. However, the maximum length of any trip is 62 days for Silver and Gold cover, and 92 days for Platinum cover
• Annual policies start from the date that you requested and end after 12 months
• There is an upper age limit of 80 years at the start date of the policy
• Policy holders must be UK residents and registered with a GP
• Trips must start from and return to the UK
• The insurance period will automatically extend if you’re unable to return to the UK due to injury, illness, or transport delay
• Policies must be bought before you leave the UK, except when your renewal date is during a trip

For more information about this policy take a look at our  annual cover policy booklet ,  our  annual cover Insurance Product Information Document (IPID)  and our  Travel Insurance Customer Support  page .

For useful travel information, check out our  travel guides .

Only going on one trip this year?

Selecting the right policy can save time and money.

Planning just one trip abroad this year? Instead of taking out an annual holiday insurance policy, have a look at our single trip or extended trip policy options.

Other limits, exclusions and excesses also apply, you’ll find details in the  policy summary .

Single trip

Cover for any age, with no upper age limit

Extended stay

Under 65 and planning a longer trip like a round-the-world adventure?

Cruise cover

Going on a cruise? Don’t forget to add cruise cover to your travel insurance

Need to talk to us?

Get in touch with any questions about our travel insurance policies. Our friendly team is ready to help.

Call  0345 305 2621 .

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers .

Terms and Conditions

*  No cover is provided under either a single trip or annual multi trip policy for any trip in, to, or through Afghanistan, Iran, Iraq, Liberia, North Korea, South Sudan, Sudan or Syria.

* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting; register.fca.org.uk.

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 2nd Floor, Decora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.