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Annual travel insurance

Take as many trips as you like in a year, knowing they're all covered

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Get an annual travel insurance quote from £11.85*

  • Insure all the trips you take in a year one one policy, rather than buying a new policy each time

  • Get cover for up to 31 days per trip

  • Compare quotes from up to 47 trusted UK insurers1

*The cheapest annual policy based on 1 adult aged 30, with no previous medical conditions travelling in Europe. Based on Confused.com data, April 2024.
1Correct as of July 2024

What is annual travel insurance?

Annual travel insurance, or multi-trip travel insurance, provides cover for multiple trips in a year, all under one policy. Each trip is typically covered for up to 31 days. So, if you're planning 2 or more trips in a year, an annual travel insurance policy could suit your needs.

What are the benefits of annual travel insurance compared to single-trip insurance?

  • It can be cheaper - Annual travel insurance can work out cheaper than buying individual policies for each trip.
  • You're covered for an unlimited number of trips - You can go away as many times as you like, as long as each trip lasts no more than 31 days.

  • It can be more convenient - If you want to take a last minute trip, you're covered by an annual policy, so you don't have to organise insurance at the last minute. Just check that your destination is covered by your policy.

How do I compare annual travel insurance quotes?

Let us know what type of cover you need

If you want annual travel insurance, select the 'Annual multi-trip' option. Then let us know what region you're travelling to.

Tell us a bit about you

We need some personal details, including any pre-existing conditions you have. We also need to know about anyone else you want to include on the policy.

Tell us if you need additional cover

Let us know whether you need any additional cover. This could include winter sports insurance, if you're going skiing, or gadget insurance.

Choose the policy that suits you

We'll show you quotes from up to 471 travel insurers. Compare policy details and prices and choose the one that best suits your needs.

What's covered by annual travel insurance?

Exactly what's covered varies by provider. Some offer different levels of cover, so you can choose a policy that's best suited to your needs and budget. Higher levels of cover generally come at a higher cost, so it's important to check policy details before you buy travel insurance.

Typically, annual holiday insurance covers:

  • An unlimited number of trips - As long as you're only travelling to a single destination in each trip, annual travel insurance covers as many trips as you want to take.
  • Medical cover - If you or anyone named on the policy requires emergency medical treatment during your trip, travel insurance should cover the costs.
  • Cancellation and curtailment - If you need to cancel your holiday or cut it short due to unforeseen circumstances, your travel insurance should cover the costs of transport and accommodation.
  • Lost luggage and personal possessions - If your belongings are lost, stolen or damaged accidentally, multi-trip travel insurane covesr the cost of replacing them.
  • Missed or delayed departures - Annual travel insurance covers you if your flight or other transport is delayed or you miss it due to an insured event.

What's not covered by annual travel insurance?

  • Trips lasting longer than your policy allows - The length of time you can travel for might vary depending on your provider. Some allow trips up to 30 days, others might allow longer. For any trips lasting longer than your policy states, you need a long-stay travel insurance policy.
  • Visiting multiple countries in a single trip - This might be allowed, depending on your provider, but it's important to check your policy documents before travelling. You might need backpackers insurance.
  • Pre-existing medical conditions - Travel insurance generally doesn't cover medical treatment relating to any undeclared pre-existing conditions.
  • Incidents that occur under the influence of drugs or alcohol - If you're injured or caused damage to a third-party while under the influence, you're not covered by insurance.
  • Natural disasters, terrorism or civil unrest - These types of conditions are generally not covered by travel insurance. However, some insurers do offer cover, so check your policy documents.
  • Extreme or winter sports - If you're planning on taking part in any adventure activities, you may need additional cover.
  • Claims relating to known events - 'Known events' are any events that could affect your travel plans, that were known at the time you bought your insurance. This includes travelling against the advice of the Foreign, Commonwealth and Development Office (FCDO).

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&C's apply.

How much does multi-trip travel insurance cost?

The price you pay depends on your personal circumstances and the details of your trips. Here's how much you could expect to pay depending on where you're travelling:

Destination Cheapest annual cost2
UK & Europe
Worldwide including the US, Canada and Caribbean
Worldwide excluding the US, Canada and Caribbean

2The cheapest annual policy based on 1 adult aged 30, with no previous medical conditions. Based on Confused.com data, April 2024.

What affects the price of annual travel insurance?

  • Where you're travelling - Generally, worldwide travel insurance is more expensive because it covers places like the US, where healthcare costs are much higher. Destinations that are further away also typically involve more travel arrangements, like multiple flights, which come with a higher risk of cancellations and delays.
  • The level of cover you need - The more comprehensive you want your cover to be, the more it costs.
  • If you (or anyone named on the policy) has a pre-existing medical condition - These can increase your chances of needing medical treatment abroad, increasing your costs.

How can I get cheaper travel insurance?

  • Choose the right level of cover - If you're planning on doing any extreme sports during your trip, you need a policy that covers this. But, they come at an additional cost, so if you're not planning on taking part in these activities, leave it off your policy.
  • Choose the right cover for your destinations - If you're planning multiple holidays within Europe plus a trip to the US, it might be cheaper to get a European annual travel policy. You could then buy a separate single-trip policy for your US trip.
  • Consider how much excess you can afford - Typically, the higher level of excess you choose, the cheaper your insurance is. But, it shouldn't be set so high that you can't afford to pay it if you need to make a claim.

Our customers say:

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based on 560 reviews as of 17/05/2024

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Can I get annual travel insurance if I have a pre-existing medical condition?

Yes - most insurers offer cover for those with pre-existing medical conditions. But, you might find that it's more expensive. This is because you're seen as higher risk to insurers. The exception to this is if you have a more serious or life-threatening condition. If you do, you might find it harder to get cover.

If you can't find suitable cover through our site, the Money and Pensions Service (MaPS) has a directory of insurers that offer cover for customers with pre-existing medical conditions which could include cancer, respiratory conditions, strokes and heart conditions.

Why compare yearly travel insurance quotes with Confused.com?

We compare up to 471 travel insurance providers

  • When you get a quote, we compare prices from up to 471 trusted UK travel insurers. We also show you the Defaqto ratings for each one, so you can be confident you're getting the right policy for you.

Our expert panel reviews all our content

We're regulated by the Financial Conduct Authority (FCA)

  • We follow strict guidelines for how we operate and serve customers. Our panel of insurance providers are also regulated by the FCA. This means you're treated fairly and get the policy that best suits your needs.

We value your privacy and security

We compare 47 trusted travel insurance companies1 to find you our best deals

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What other types of travel insurance are there?

Long stay travel icon

Long stay travel insurance

If you're planning to go away for more than 31 days in 1 trip, annual travel insurance might not cover you. Instead, you might need long-stay travel insurance.

Travel backpackers icon

Backpackers travel insurance

If you're heading off on a backpacking adventure, standard travel insurance might not offer enough cover. Backpackers insurance offers a higher level of cover, for trips that include longer stays and multiple destinations.

Travel insurance icon

Single-trip travel insurance

If you're only planning on going away once in the year, a single-trip travel insurance policy might be your best option. This type of policy could offer the right level of cover for a lower price than annual travel insurance.

Travel cruise icon

Cruise travel insurance

Cruises come with their own set of risks. Cruise insurance covers things like missed ports, cabin confinement and emergency transport to a hospital.

Is annual travel insurance right for me?

"If you've got a few holidays planned for the year, an annual travel policy is a great way to make sure you're covered. This can save you time and hassle as opposed to buying individual policies, and potentially help save you money.

"It also means you only need to keep track of one set of policy documents. With annual travel insurance, you could even book a last minute trip and be covered. But it's always worth comparing prices to make sure it's the right option for you."

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

Need more help?

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

The European Health Insurance Card (EHIC), and its replacement the Global Health Insurance Card (GHIC), aren't a substitute for travel insurance. They provide you with access to state-level healthcare in the EU and Switzerland at the same cost of someone living there. This means if you're travelling to a country where citizens pay for healthcare, you're also expected to pay. Travel insurance can cover these costs.

Travel insurance also covers more scenarios. For example, if you lose luggage, your flights are delayed, or you need emergency medical treatment while travelling outside the EU, travel insurance covers you. But a EHIC or GHIC can't help you in these situations.

It's important to have a valid EHIC or GHIC though. Many providers require them to be used alongside travel insurance when receiving emergency medical treatment.

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

Most providers have a limit of 31 days per trip, however it's possible to find policies that allow trips up to 45, 60 or 90 days.

Some providers impose upper age limits though, so you might find that 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 an annual travel insurance policy travel separately?

Yes, you can normally travel separately with a joint annual travel insurance policy. So, if one of you is going away for a weekend, or wants to visit friends or family abroad, you should still be covered.

You should always check your policy documents to make sure you're covered.

Does annual travel insurance cover UK holidays?

Yes, you're normally covered for trips within the UK. However, some policies have requirements for the trip, like:

  • Being away for a minimum number of nights
  • Travelling a minimum distance away from home

If you're planning a UK trip and you want to make sure it's covered, check the policy details before buying your insurance.

What are the different types of travel insurance?

Page last reviewed: 07 May 2024

Reviewed by: Alvaro Iturmendi

Confused.com’s Travel Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. theidol.com is part of the Legal & General group.

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