Annual travel insurance

Compare annual multi trip travel insurance policies from £8.99*

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Coronavirus (Covid-19) - important information 2nd March 2021

You'll be unable to get a quote for single trip or backpacker policies to international destinations for trips that start before 17th May 2021 on this website. If you're travelling in the UK, you'll be unable to get a quote for single trip or backpacker policies for trips that start before 12th April 2021.

You can only travel if you're legally permitted to do so. The Foreign, Commonwealth and Development Office (FCDO) has more information.

If you travel against FCDO advice, you won't be covered by any travel insurance policy you buy. If this advice remains in place after 12th April for the UK and 17th May for international destinations, and you choose to travel, you won't be covered.

Different rules may apply in England, Scotland, Wales and Northern Ireland and it is important that you follow all the rules that apply to you.

For travel advice on your destination, you should check the FCDO for the latest information.

If you have any queries, you should check your policy wording or contact your chosen provider before you buy.

*The cheapest Multi policy is £8.99 (based on 1 adult aged 31, with no previous medical conditions travelling in Europe for up to one year). Prices correct on the 15/02/2021. 

We compare trusted travel insurance companies to find you the best deals.

Why compare annual travel insurance with

If you’re a frequent traveler or even just go away more than once a year, annual or 'multi-trip’ insurance might be a cost-effective option for you.

Instead of buying a single trip policy every time you go on holidays, an annual insurance policy could cover you for short trips throughout the year. Any last minute trips could automatically be covered and you could save yourself the time of taking out a policy each time.

  • Covers multiple short duration trips throughout the year - from the policy start date.
  • Can cover up to 31 days per trip - some specialist insurers could offer up to 45, 60 and 90 days cover.
  • Multi-trip policies may cover domestic and regional travel too - not just holidays abroad.
  • If you are regular travellers and take out cover for the whole family, you could stay covered even if you're on a child-free holiday.
  • Our travel guides could help you make the most of your holiday; see our article on the best day to book your holiday
  • Your policy documents could be emailed to you within one hour of purchase when you enter a valid email address and compare with us.

Benefits of an annual policy

Some of the benefits of an annual policy include:

  • You could be covered for any unexpected or last minute trips you might want to take.
  • Any holidays you book throughout the year could be covered by automatic cancellation cover - meaning that if you were forced to cancel your holiday, you could claim back the costs of missed flights and hotels.
  • You may also be covered for some adventure sports, but make sure you check your policy to see if you're covered for any activities you might have planned!

You could also be covered for:

  • Medical treatment and transportation back to the UK if you fall ill or get injured abroad
  • Delays and cancellations if your flights are delayed or you have to cut your trip short due to illness or bereavement
  • Baggage and personal possessions cover, including important documents, travel money and devices if they are stolen or lost
  • Some insurance companies offer protection against your airline going bankrupt

Travel insurance tips

The following travel tips could help you before you take out a policy or if you need to make a claim:
  • Declare any pre-existing medical conditions when you take out an annual policy, including any new medical conditions that you develop during the term of your policy
  • Get your policy in advance to get the full benefit of cancellations cover, check for any exclusions and if there is an excess on the policy
  • Make sure you report any lost or stolen items to the police within 24 hours before you make a claim
  • If you are going travelling for a long period of time or visiting various countries you may want to consider a backpackers policy

If you have a serious, pre-existing medical condition

If you have a pre-existing medical condition, you can still get a quote through These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might 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're unable to 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 contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.

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