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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 28/11/2022.

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.

Many of our providers offer further Covid-19 related cover such as holiday cancellations, 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 that covers you for every trip you make within a year.

It's also known as annual travel insurance and could be a good idea if you plan to go on more than one holiday during the next 12 months.

One of these annual holiday insurance policies could be 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 group of up to 10 adults and children

You can 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.

How does annual travel insurance work?

An annual travel insurance policy will cover you for an unlimited number of trips, 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. To find out how long you are covered for, check the small print on your yearly travel insurance policy.

Like a travel insurance insurance policy, an annual travel insurance policy covers 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?

Some things aren't usually covered by annual policies, like:

  • Claims for incidents involving drugs or alcohol
  • Claims for undeclared pre-existing medical conditions
  • Optional extras that you haven't added to the policy like winter sports cover, cruise insurance and business travel insurance
  • 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 insurer.

How much does annual travel insurance cost?

The cost of your multi-trip insurance depends on:

  • Where you’re travelling
  • Who is travelling
  • If you (or anyone else on the policy) have pre-existing medical conditions.

The cost of annual travel insurance will partly relate to your level of risk – the higher the risk, the more you pay. Some policies may also cost more because they include more cover.

You should expect to pay more if your multi-trip travel insurance covers you for worldwide trips – including, the US, Canada, the Caribbean and Mexico. It's cheaper to buy multi-trip insurance that just covers European countries.

Confused.com can help you find cheap annual travel insurance.

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

Destination Average annual premium1
UK
£82.32
Europe
£82.42
Worldwide including US, Canada and Caribbean
£111.21
Worldwide excluding US, Canada and Caribbean
£89.12
Australia/New Zealand
£128.21

1. Amounts are based on average prices of all purchases of annual travel insurance from Confused.com between 2nd May 2022 and 2nd November 2022.

Compare annual travel insurance quotes

What are the advantages of annual travel insurance?

The main benefits of an annual travel insurance policy are:

  • For multiple trips a year, annual travel insurance is usually cheaper than buying separate single-trip travel insurance policies
  • Europe-only cover is available and cheaper if you're not travelling outside of Europe
  • Last-minute or emergency trips are included within the 12-month policy term
  • You can add extras like cruise, business and winter sports cover to your policy
  • You can filter your quote results by defaqto star rating

What are the disadvantages of annual travel insurance?

  • As you get older, annual travel insurance policies become harder to get due to the increased risks.
  • Some insurers have a maximum age limit for annual travel insurance. So an over 50s travel insurance policy may be a better option.

Can I get annual family travel insurance?

Yes, you can get annual family travel insurance if you’re going on multiple trips as a family during a 12-month period.

An annual family travel insurance policy usually covers one to two adults and up to 8 children. Everyone on the family policy must have the same permanent address.

It’s worth checking the details of annual family travel insurance policies as they can vary. For example, sometimes family members travelling separately or children travelling with a non-family member aren't covered.

Does annual travel insurance cover UK holidays?

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

But there may be certain conditions. For example, if you’re going somewhere that's considered close to home, an insurer may not provide cover.

Check your annual travel insurance policy wording before you travel to find out what cover you have.

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 yearly 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 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) if it hasn’t expired.

If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC). This gives you cheaper or free state healthcare in the EU and Switzerland. You'll pay the same amount as someone living in the country would.

But the EHIC or GHIC aren’t a replacement for travel insurance. They can only help you get state-level medical treatment if you should need it. And they don’t cover cancellations or lost baggage like an annual travel insurance policy.

When should I start my annual travel insurance?

It’s up to you to decide, but your policy will start on the date that you select and last for 364 nights. So if you choose an annual multi-trip policy to start on 30th November 2022, your cover will last until the end of 29th November 2023.

This is why it’s best 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 in the future.

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 Travel & Pet insurance expert signature

Jac Morris

Travel insurance Product Executive

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