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Annual travel insurance

Get cover for all your trips over the next year

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Get an annual travel insurance quote from £9.852

  • Insure all your trips on one policy

  • Find cover for trips lasting up to 31 days

  • Compare quotes from up to 43 UK insurers1

1Correct as of February 2025
2Cheapest price for European annual multi-trip travel insurance. Based on 1 adult aged 30 with no pre-existing medical conditions. Confused.com data, April 2025.

What is annual travel insurance?

Annual travel insurance, or multi-trip travel insurance, provides cover for multiple trips over a 12-month period, all under one policy.

This means you don't have to worry about buying a new travel insurance policy every time you book a trip.

Each trip is covered for a set number of days - for example, up to a maximum of 31 days.

Compare annual multi-trip travel insurance quotes

Compare annual travel insurance in 3 easy steps:

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Fill in our quote form

Head to our quote form and select 'Annual multi-trip cover'. Then let us know where you're travelling to, your age, and who you're travelling with.

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We'll do the hard work

We'll compare your details to the panel of travel insurers we work with. Then, we'll show you a list of policies that match your needs.

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Choose your policy

All you need to do is compare the prices and details of the policies we show you. Then, select the one that best suits you and your plans!

Making sure you've got the right level of cover

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:

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Europe

If you're only planning holidays within Europe over the next 12 months, select 'Europe'. Just remember that if you buy European travel insurance and then decide you want to travel somewhere outside of the continent, your travel insurance won't cover you.

Worldwide travel icon

Worldwide (excluding the USA, Canada, Mexico and the Caribbean)

Worldwide travel insurance covers places a bit further afield, like Australia, New Zealand and countries in Asia. It'll also cover trips in the UK and Europe, so if you're planning trips in a few different places, this might be the best option for you.

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Worldwide (including the USA, Canada, Mexico and the Caribbean)

Travel insurance for countries like the USA or Canada tends to be more expensive. This is due to factors like higher costs of medical care. So, if you're buying travel insurance to cover a trip to one of these places, choose this option.

How much does multi-trip travel insurance cost?

The price you pay depends on your age and whether you have any medical conditions. But, the type of cover you choose can also impact the cost. The higher the level of cover, the more expensive travel insurance can be.

Here's how much you might pay depending on the level of cover:

Destination Cheapest annual cost3
Europe
£9.85
Worldwide excluding the US, Canada, Mexico and Caribbean
£23.75
Worldwide including the US, Canada, Mexico and Caribbean
£34.39

3Cheapest annual multi-trip travel insurance policy. Based on 1 adult aged 30 with no pre-existing medical conditions. Confused.com data, April 2025.

How can I get cheaper annual travel insurance?

  • Choose the right cover. When you buy travel insurance, you'll have the option to include policy add-ons. But these come at an added cost, so if you don't need the extra cover, leave them off your policy.
  • Consider where you'll be travelling. If you're planning multiple holidays in Europe, plus one trip to the USA, it's worth comparing prices for European annual travel insurance and single-trip travel insurance for the USA. This might be cheaper than buying worldwide annual travel insurance.
  • Consider how much excess you can afford. Typically, choosing a higher excess means your insurance costs less. But, you should only set it at an amount you could afford to pay if you needed to make a claim.

What does annual multi-trip travel insurance cover?

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:

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Typically covered:

  • Medical cover: If you require medical care during any of your trips, insurance can cover your medical bills.
  • Repatriation cover: This can cover the costs of transporting you home following an emergency.
  • Baggage cover: If you lose your luggage, or it's accidentally damaged, insurance can cover the cost of replacement items.
  • Cancellation cover: You can claim for costs if you need to cancel or curtail your holiday for an insured reason.
  • Third-party liability: If you injure somebody or damage their property and they take legal action against you, travel insurance can cover your legal costs.
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Common exclusions:

  • Extreme sports cover: Sports and activities that are considered high-risk are usually excluded from travel insurance.
  • Known events, terrorism, natural disasters and civil unrest: Disruptions due to events of this nature are unlikely to be covered.
  • Travelling against government advice: If the Foreign, Commonwealth and Development Office (FCDO) has issued a travel warning for a location and you travel against this advice, you won't be covered.
  • Incidents that occur under the influence: If something happens while you're under the influence of drugs or alcohol, your insurance won't cover you.

Is annual travel insurance right for you?

"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."

Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What optional extras can I add to multi-trip travel insurance?

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:

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Business cover

This covers company property you're travelling with, like laptops, mobile phones, or cash.

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Cruise cover

This covers circumstances like missed ports, cabin confinement due to illness, or unused excursions.

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Gadget cover

This covers your gadgets such as your phone, laptop or camera against theft, loss or accidental damage.

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Winter sports cover

This covers things like piste closure, replacement ski passes and damage to equipment.

Annual multi-trip travel insurance for medical conditions

Most travel insurers offer cover for customers with pre-existing medical conditions. But, policies might be more expensive. This is because medical conditions, especially more serious ones, can increase your chances of needing medical treatment while abroad.

It's important to declare any medical conditions you have when you're getting multi-trip travel insurance quotes. If you don't, you won't be covered for any medical treatment you need during your trip.

If you can't find suitable medical travel insurance, the Money and Pensions Service (MaPS) has a directory of insurers through their brand MoneyHelper that might be able to offer you a quote. You can contact them on 0800 138 7777.

Who can you cover with annual travel insurance?

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.

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Individual

Planning some solo travel? Individual travel insurance should offer a sufficient level of cover for you.

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Couple

Couples travel insurance can cover 2 people living at the same address. You don't have to be married or in a civil partnership to get a couple's policy.

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Family

Family travel insurance covers up to 2 adults and 8 children. This can include step-children and foster children who don't live at the same address.

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Group

Group travel insurance can cover up to 10 people who don't live at the same address. A great option if you're planning a trip with your friends.

Why compare annual travel insurance with Confused.com?

  • We make comparing quotes quick and easy! Just fill out our quote form and let us do the hard work for you. It only takes a few minutes.
  • Our customers rate us 4.7/5 stars. We helped over 250,000 customers find travel insurance last year. Read what they're saying about us on Reviews.io.
  • Get a free eSIM when you buy travel insurance! When you buy travel insurance with Confused.com, you can claim a free eSIM with up to 2GB of roaming data4, helping you stay connected to your loved ones back home.

4eSIM comes with pre-funded credit and the amount of data received in exchange will vary based on the specific country you select. Compatible devices only. T&Cs apply.

Our customers say:

Reviews.io 4.5 stars

Confused.com travel insurance scores a 4.6 out of 5 rating
based on 560 reviews as of 17/05/2024

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We compare 43 trusted travel insurance companies1 to find you our best deals

Frequently asked questions

Do I need annual multi-trip travel insurance if I have a GHIC?

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.

Can I go on a holiday lasting more than 31 days with annual travel insurance?

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.

Can individuals named on a group annual travel insurance policy travel separately?

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.

How many times per year can I travel with multi-trip travel insurance?

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.

When should my multi-trip travel insurance start?

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.

Can I cancel my annual travel insurance?

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.

Free eSIM with up to 2GB of roaming data when you buy travel insurance**

With roaming charges making an unwelcome return, eSIMs are a convenient option when travelling. eSIMs are non-physical and are embedded into most newer smartphones; meaning you won’t have to put anything physical into your device, it should already be there.

How does it work?

Simply buy your travel insurance, claim your free eSIM, and install it onto your device at the tap of a button. Your eSIM with 2GB of roaming data will kick in on a local mobile network when you get to your destination.

Find out more about eSIMs
Image of a mobile asking you to claim your eSIM reward
**eSIM comes with pre-funded credit and the amount of data received in exchange will vary based on the specific country you select. Compatible devices only. T&Cs apply.

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