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Annual travel insurance

Compare multi-trip travel insurance quotes

Get an annual travel insurance quote from only £8.99*

  • Get a quote in only 2 minutes

  • Covers you for up to 31 days per holiday for 1 year

  • Compare quotes from insurers like Admiral and Saga

*The cheapest Multi policy is £12 (based on 1 adult aged 31, with no previous medical conditions travelling in Europe for up to one year). Prices correct on the 20/07/2021.

Covid-19 – Important information from 4th October 2021

Annual multi-trip will usually cover you if you're going on multiple trips over a 12 month period. If you decide to buy an 'annual multi-trip' policy, your cover - including cancellation cover – won’t begin until your chosen start date.

On 4th October, the travel traffic light system is being replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.

Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.

If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

What is annual travel insurance?

Annual travel insurance is a policy that covers you if you’re going on multiple trips over a 12-month period. Also known as multi-trip travel insurance, it’s the perfect policy for you if you’re often travelling or plan on going on multiple holidays over the next year. A multi-trip policy can be used to cover just you, you and a partner, you and your family or a group of up to 10 adults and children.

If you’re going to be travelling for longer than a year, a backpacker travel insurance policy may be a better option for you.

What does annual travel insurance cover?

An annual travel insurance policy will cover you for unlimited trips - each up to 31 days at time - during a year. You can find some insurers who offer cover for 45, 60 or even 90 days at a time too. Your policy details will lay out what the maximum length of cover per trip is. It’s best to check this before you travel to make sure you’re covered for all of your holiday.

Like a standard travel insurance policy, an annual multi-trip policy covers the usual things like:

  • Cancellation cover if any of your transport or hotels get cancelled
  • Lost or stolen baggage and personal possessions
  • Emergency medical treatment
  • Repatriation if you get ill while you’re on holiday

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What are the advantages of annual travel insurance?

The main benefits of an annual travel insurance policy are:

  • A cheaper option if you’re going on more than one holiday in a year compared to buying a single-trip travel insurance policy for every separate trip
  • Europe only cover is available as an annual policy type if you know you won’t be visiting any other regions throughout the year
  • Last minute trips are included with an annual travel policy. So any spontaneous or emergency trips will fall under your policy, as long as it’s within the 12-month policy period
  • Add extras like cruise cover, business cover, sports cover to your policy

You can also filter your quote results by defaqto star rating. This’ll help you to decide on which policy is best for you.

How much does annual travel insurance cost?

The cost of your annual travel policy depends on certain things including:

  • Where you’re travelling to
  • Whether you want cover for just you or you and your partner, your family or a group
  • If you’ve got any pre-existing medical conditions

Here are the average prices of annual policies to popular regions around the world1:

Destination Average annual premium1
UK
£48.26
Europe
£51.12
Worldwide inc. US, Canada and Caribbean
£25.52
Worldwide inc. US, Canada and Caribbean
£85.17
Australia/New Zealand
£40.09

1. Confused.com travel data – August 2020 – October 2020

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What’s not covered with an annual travel insurance policy?

Most travel insurance policies will have a common list of things that are excluded. These usually include:

  • Claims for incidents involving drugs or alcohol
  • Claims for pre-existing medical conditions that you didn’t declare when you bought your policy
  • Optional extras such as winter sports cover, cruise insurance and business travel insurance – these must be added as extras to a policy
  • Claims when travelling against FCDO advice

What are the disadvantages of annual travel insurance?

As you get older, annual multi-trip policies become harder to get due to the increased risks. Unfortunately, some insurers may introduce a limit on how old you can be to get an annual policy. In this case, you may be better suited with an over 50s travel insurance policy.

Can I get an annual travel insurance policy if I have a serious, pre-existing medical condition?

If you have a pre-existing medical condition, you can still use our site to get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions. Some insurers may not cover you if you already have a serious medical condition, or if you have a number of conditions.

Others might only offer insurance at a much higher price. If you can’t find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

Need more help?

Does annual travel insurance cover UK holidays?

Yes, an annual travel policy will cover holidays based anywhere in the UK. There may be certain limits to policies on UK trips, including where you’re going and how long you’re away for. If you’re going somewhere that is considered close to home, an insurer may not provide cover. We recommend checking your policy for details.

Do I need annual travel insurance if I have an EHIC or a GHIC?

If you’re travelling to Europe, you can still use your European Health Insurance Card (EHIC) as long as it hasn’t already expired. If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC).

However, the EHIC or GHIC aren’t considered a replacement for a travel insurance policy - they can only provide you with state-level medical treatment if you need it. They don’t cover you for things like cancellations or lost baggage.

Why is annual travel insurance cheaper than single-trip?

This isn’t always the case. However, if you know you’re going on more than one holiday within a year, a multi-trip policy may work out cheaper than paying for several single-trip policies for each holiday that you’re going on.

When does my annual travel insurance start?

Your policy will start on the date that you select and last for a total of 364 nights. For example, if you choose an annual multi-trip policy to start on 1st April 2021, your policy will end on the night of 31st March 2022.

Cancellation cover begins on the day you select the policy to start. As such, we recommend choosing to start your policy on the day that you buy it just in case any of your travel or accommodation gets cancelled further down the line.

What our travel insurance expert says

I’d consider how spontaneous your trips tend to be as buying an annual policy means you don’t have to worry about cover every time you book as it’s in place all year round!

Although please be mindful if your annual policy only covers Europe and you decide to fly off last minute to Dubai – in this instance, you will need to upgrade your policy. 

Jac Morris signature

Jac Morris

Travel insurance Product Executive

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