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Annual travel insurance

Compare annual travel insurance quotes

Get an annual travel insurance quote from only £10.34*

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

  • Compare quotes from insurers like Admiral and Saga

  • Compare some policies with covid cover

*The cheapest Multi policy is £10.34 (based on 1 adult aged 31, with no previous medical conditions travelling in Europe for up to one year). Prices correct on the 01/03/2022.

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from Confused.com. All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

A number of our providers offer further COVID-19 related cover such as holiday cancellations and accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

What is annual multi-trip travel insurance?

Annual multi-trip travel insurance is a policy covering you for multiple trips within a year. Also simply known as annual travel insurance, multi-trip cover could be a good idea if you plan to go on more than one holiday during the next 12 months.

It could cut out the hassle and work out cheaper than taking out a separate travel insurance policy for each trip.

An annual travel insurance policy can be used to cover just you, you and a partner, you and your family or a group of up to 10, including adults and children.

You can choose to take out annual travel insurance to cover multiple trips in:

  • Europe
  • Worldwide - including, US, Canada, the Caribbean and Mexico
  • Australia & New Zealand
  • UK

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

How does annual travel insurance work?

An annual travel insurance policy will cover you for an unlimited number of trips – each up to 31 days at a time – during a 12-month period.

Some insurers offer cover for trips lasting 45, 60 or even 90 days at a time too. Your annual multi-trip insurance 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 your annual travel insurance covers you for all of your holiday.

Like a standard travel insurance policy, an annual travel insurance 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’s not covered with an annual travel insurance policy?

As with travel insurance in general, there’s a common list of things that are not covered by annual travel insurance policies. 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

If you have any questions about your annual travel insurance, you should check the policy wording or contact your chosen provider before you buy.

How much does annual travel insurance cost?

The cost of your annual travel insurance policy depends on certain factors, including:

  • Where you’re travelling to.
  • Who is going to be insured by the annual travel insurance policy. Will it be just you, you and your partner, a family or a group of people.
  • If you’ve got any pre-existing medical conditions.

As with insurance in general, the cost of annual travel insurance will partly relate to the level of risk – the higher the risk, the more you pay.

Some annual travel insurance policies may also be more expensive than others because they include more cover.

You should expect to pay more for annual travel insurance covering you for trips Worldwide – including, US, Canada, the Caribbean and Mexico versus annual European travel insurance.

You can use Confused.com to help find cheap annual travel insurance.

Here are the average prices1 of annual policies to popular regions around the world:

Destination Average annual premium1
UK
£85.50
Europe
£83.42
Worldwide inc. US, Canada and Caribbean
£115.32
Worldwide exc. US, Canada and Caribbean
£94.97
Australia/New Zealand
£134.34

1. Amounts are based on average prices of all purchases of annual travel insurance from Confused.com between 1st September 2021-1st March 2022 with no exclusions.

Compare annual travel insurance quotes

What are the advantages of annual travel insurance?

The main benefits of an annual travel insurance policy are:

  • Annual travel insurance is usually 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 travel insurance policy type, making this an affordable option if you won’t be visiting any other regions throughout the year
  • Last minute trips are included with an annual travel insurance policy. So any spontaneous or emergency trips will be covered as long as these fall within the 12-month policy term.
  • You can add extras like cruise cover, business cover and winter sports cover to your annual travel insurance policy
  • You can also filter your annual travel insurance quote results by defaqto star rating. This'll help you to decide on which policy is best for you

What are the disadvantages of annual travel insurance?

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

Can I get annual family travel insurance?

Yes, it’s possible to get annual family travel insurance – this could be worth considering if you’ll be going on multiple trips as a family during a 12-month period.

An annual family travel insurance policy will usually cover one to two adults and up to a maximum of eight children. Everyone on the annual travel insurance policy must have the same permanent address.

It’s worth checking the wording of annual family travel insurance policies as they can vary – for example, family members travelling separately or children travelling with a non-family member may not be covered.

Does annual travel insurance cover UK holidays?

Yes, annual travel insurance can cover holidays based in the UK.

However, there may be certain conditions attached 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.

You should check your annual travel insurance policy wording.

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

Yes. If you have a pre-existing medical condition, you could still get annual travel insurance. Simply select your condition(s) on our quote form.

Pre-existing medical conditions include things like high blood pressure, diabetes, cancer, stroke as well as heart and respiratory problems.

Your insurance is likely to be more expensive if the insurer believes the pre-existing condition means you have a high chance of requiring medical services while on holiday.

Some insurers may not offer you annual travel insurance if you have a serious medical condition, especially if you’re undergoing treatment/waiting for an operation.

You should always tell the truth about pre-existing medical conditions when you get an annual travel insurance quote, as otherwise you could find your cover isn’t valid.

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?

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

Although the UK has left the EU, 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). The GHIC gives you state healthcare in most European countries at a reduced cost or sometimes for free.

However, the EHIC or GHIC aren’t considered a replacement for a travel insurance policy – they can only help you get state-level medical treatment if you should need it. And they don’t cover you for things like cancellations or lost baggage as is the case with an annual travel insurance policy.

Why is annual travel insurance often cheaper than single-trip?

If you’re going on holiday more than once in a 12-month period, annual travel insurance tends to work out cheaper than single trip cover because you only have to buy one travel insurance policy per year rather than a different policy each time you travel.

When should I start my annual travel insurance?

It’s up to you to decide when you want your annual travel insurance cover to start. Your policy will begin 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 30th April 2022, your cover will end on the night of 29th April 2023.

Cancellation cover begins on the day you select the policy to begin, so it’s best to choose to start your annual travel insurance policy on the day that you buy it, just in case any of your travel or accommodation gets cancelled further down the line.

Can I cancel my annual travel insurance

Yes, you can cover an annual multi-trip travel insurance policy. If you cancel within the 14-day cooling off period you should receive a full refund of any amount you’ve already paid.

Should you cancel an annual travel insurance policy outside the 14-day cooling off period, you’ll typically be refunded a reduced amount, depending on how much time is left on the policy. You may not be eligible for any refund at all if there’s six months or less left on the policy.

If you’re considering cancelling an annual travel insurance policy, you should check the policy wording to find out what refund you're entitled to.

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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