Annual Travel Insurance Guide
There are well over 400 different Annual/Multi Trip travel insurance polices to choose from, read our Annual Travel Insurance Guide to help you understand whether this is the right type of insurance for you and your family.
This guide covers:
- Annual Travel Insurance - In Brief
- Who is Annual Travel Insurance for
- How many trips can you take with Annual Travel Insurance
- Key points about Annual Travel Insurance
- Top Picks for Annual Travel Insurance Policies
- Important Considerations about Annual Travel Insurance
Annual Travel Insurance - In Brief
Travel has become cheaper and easier, and more of us are having several holidays a year. In 2016 City Breaks to European destinations grew by 7% compared to the previous year. (source Office for National Statistics
If you are planning to take two or more trips abroad in a year, then an annual travel insurance policy or multi trip travel insurance
as it is also known, may save you money. Purchasing several “single trip insurance policies” may well work out to be more expensive than an annual one. Using the search facility below, you are able to compare both types of policies to see which one is cheaper.
Who is Annual Travel Insurance for
Annual Travel Insurance is suitable for anyone in the list below, who are looking to take at least two trips away a year. The policy is ideal for individuals or couples who regularly take advantage of last minute bookings, or who are in a position to take a break at short notice and may not have time to organise any Insurance before they leave.
- Single Parent Families
How many trips can you take with Annual Travel Insurance
Most Annual Travel Insurance policies allow for unlimited trips during the year, some however do have restrictions and so this is one area its important to check on your policy. Most policies allow for a maximum trip duration of 31 days per trip, so an Annual Travel Policy is not going to be suitable for someone wishing to stay away for a long period of time. Generally though the range of Annual Trip, Trip duration varies from 17 days up to 90 days though this information is not necessarily easy to find until you have gone through the quote process with an Insurance Provider. You should also check if your age puts limitations on the trip duration you can take advantage of, as some policies will restrict you to a maximum of 31 days if you are considered a higher risk.
There are other options for longer stay insurance, you can look at single trip insurance
as many policies offer up to 365 days, or longstay insurance
which is specifically designed for this.
Use the our search tool
and find an insurance policy that suits your needs, click on the insurance providers logo or search insurance providers
to find out key information about the policy you are considering.
Key points about Annual Travel Insurance
- It is a very common popular policy, but cover can vary greatly between Insurers. Medical Expenses cover starts at £5 million, but at least £10 Million is recommended to be on the safe side. Cover is available for just Europe, worldwide (excluding USA and Canada), or Worldwide, so think carefully about whether you intend to travel outside the European Union.
- Even though the policy is an annual one, some Insurers restrict the total number of days per year you can spend abroad, so look for a policy that offers an unlimited number of trips.
- The length of individual trips however are restricted. The standard number of days per trip is 31, but some Insurers offer 45, 60 or 90 days as standard, whilst some charge an additional premium to extend the cover.
- Whilst this policy is more flexible than a single trip travel policy, you still need to think about, the length of your vacations and the areas you might be visiting. If you are really not certain, it would make sense to take out a worldwide policy with as long a trip period as possible.
- If your travel has to do with business, then many annual policies offer an extension to cover this, although they normally exclude any manual work. A specialist annual business travel policy may be more suitable.