Compare annual travel insurance in 3 easy steps:
When you're getting quotes for multi-trip insurance, you'll need to choose the destinations you want your policy to cover. You have a few options:
It's important to check your policy documents to understand exactly what you're covered for, and what cover limits apply. With multi-trip travel insurance, your cover is applied per trip. This means you get the same level of cover for each trip. So, if you claim on your insurance during one trip, the cover is 'reset' next time you travel.
Here's what you can normally expect from a travel insurance policy:
"Annual travel insurance can save you time and hassle. You can skip the admin of buying lots of single-trip policies, and you only need to keep track of one set of documents. You can be more spontaneous with annual travel insurance too because any last minute trips should be covered."
Certain things might not be covered as standard by travel insurance. If this is the case, there are policy extras that are designed to offer enhanced cover, tailored to these types of situations. Let's take a look:
When you're buying annual travel insurance, you can choose to include multiple people on one policy. This is usually cheaper than buying individual policies for everybody.
Yes, annual travel insurance offers different benefits to the GHIC (Global Health Insurance Card). Or the EHIC (European Health Insurance Card) if you still have one of those.
The GHIC provides you with access to state-level emergency healthcare in participating countries. But, this doesn't mean free healthcare. If you're travelling in a country where citizens pay for medical care, you'll be charged the same price. Annual travel insurance can cover your medical bills, plus things like lost luggage or having to cancel your trip altogether.
It's important to have a valid EHIC or GHIC when you travel though. Many insurers require you to use one alongside travel insurance when accessing medical care.
31 days is a common trip limit for annual travel insurance, but you can find policies that cover longer trips. Alternatively, some providers offer a trip extension as a policy add-on. Just remember that this'll increase the cost of your insurance.
Some providers also impose upper age limits. So, you might find the length of trip you're covered for reduces as you get older.
To find out how long you're covered for, check your policy details.
Yes, you can normally travel separately if you're covered by annual group travel insurance. So, if one of you is going away for a weekend or wants to visit friends or family abroad, you should still be covered.
Just make sure you double check your policy documents to ensure you're covered.
This will depend on your policy. Some cover an unlimited number of holidays, while others might impose a limit. It's best to check your policy documents to see if there's a trip limit.
It's best to buy travel insurance as soon as you've booked your trip. But, if you know you'll be travelling a few times over the next 12 months, there's no harm in buying annual travel insurance as early as possible. Just make sure your policy covers all your chosen destinations.
Under UK law, you're entitled to cancel your travel insurance within 14 days of purchase. This is known as the 'cooling-off' period. During this time, you're entitled to a refund, as long as you haven't been abroad or claimed on your policy.
After this period, you won't be entitled to a refund, but you might still be able to cancel your cover. Just contact your insurer directly to speak to them.
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Means you can get one policy that covers everyone, rather than buying individual policies.
Is the perfect policy for those who plan to travel for an extended period.
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