Covid-19 – Important information from 4th October 2021
Annual multi-trip will usually cover you if you're going on multiple trips over a 12 month period. If you decide to buy an 'annual multi-trip' policy, your cover - including cancellation cover – won’t begin until your chosen start date.
On 4th October, the travel traffic light system is being replaced by a simplified set of rules for international travel. These rules tell you what you must do when returning to England, Scotland, Wales, and Northern Ireland from a red list country.
Before buying travel insurance, you should think about what could happen if your destination moves to the red list. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.
It's important to check both your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there.
If you travel against the FCDO advice, you won't be covered by any travel insurance policy you buy.
A few insurers do offer cover if you're an essential traveler, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.
How much does annual travel insurance cost?
The cost of your annual travel policy depends on certain things including:
- Where you’re travelling to
- Whether you want cover for just you or you and your partner, your family or a group
- If you’ve got any pre-existing medical conditions
Here are the average prices of annual policies to popular regions around the world1:
| Destination | Average annual premium1 |
|---|---|
|
UK
|
£48.26
|
|
Europe
|
£51.12
|
|
Worldwide inc. US, Canada and Caribbean
|
£25.52
|
|
Worldwide inc. US, Canada and Caribbean
|
£85.17
|
|
Australia/New Zealand
|
£40.09
|
1. Confused.com travel data – August 2020 – October 2020
Need more help?
Does annual travel insurance cover UK holidays?
Do I need annual travel insurance if I have an EHIC or a GHIC?
If you’re travelling to Europe, you can still use your European Health Insurance Card (EHIC) as long as it hasn’t already expired. If you don’t have an EHIC, you can apply for its replacement, the Global Health Insurance Card (GHIC).
However, the EHIC or GHIC aren’t considered a replacement for a travel insurance policy - they can only provide you with state-level medical treatment if you need it. They don’t cover you for things like cancellations or lost baggage.
Why is annual travel insurance cheaper than single-trip?
This isn’t always the case. However, if you know you’re going on more than one holiday within a year, a multi-trip policy may work out cheaper than paying for several single-trip policies for each holiday that you’re going on.
When does my annual travel insurance start?
Your policy will start on the date that you select and last for a total of 364 nights. For example, if you choose an annual multi-trip policy to start on 1st April 2021, your policy will end on the night of 31st March 2022.
Cancellation cover begins on the day you select the policy to start. As such, we recommend choosing to start your policy on the day that you buy it just in case any of your travel or accommodation gets cancelled further down the line.
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 insurance Product Executive
What are the different types of travel insurance?
Family travel insurance
means you can get one policy that covers everyone, rather than buying individual policies.
Long stay travel insurance
is the perfect policy for those who plan to travel for an extended period.
Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.
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