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Annual Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.


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.

Annual Travel Insurance

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 above, 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.

  • Individuals
  • Couples
  • Families
  • Single Parent Families
  • Groups

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 thats insurance 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.

Top Picks for Annual Travel Insurance Policies

based on age 30-39, Annual Travel Europe

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

3* Star Annual Travel Policy
Best Value 3* Star Annual Travel Policy
That’s Insurance Rating

Customer Rating

Classic

50

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 300

Delayed Departure 150

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

4* Star Annual Travel Policy
Best Value 4* Star Annual Travel Policy
That’s Insurance Rating

Customer Rating

Standard

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 250

Baggage 1,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

5* Star Annual Travel Policy
Best Value 5* Annual Travel Policy
That’s Insurance Rating

Customer Rating

Premier

50

Medical Expenses 10,000,000

Cancellation 8,000

Missed Departure 1,000

Delayed Departure 600

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

5* Star Zero Excess Annual Travel Policy
Best Value Zero Excess Annual Travel Policy
That’s Insurance Rating

Customer Rating

Platinum

0

Medical Expenses 25,000,000

Cancellation 10,000

Missed Departure 1,000

Delayed Departure 500

Baggage 3,000

Personal Accident 100,000

Personal Liability 3,000,000

Legal Expenses 50,000

Important Considerations about Annual Travel Insurance

When is annual multi trip cover not suitable? An annual travel insurance policy may not be suitable if you will be staying at your holiday destination for longer than 90 days. In this scenario you would need to take out a long stay travel policy, or a longer term single trip policy.

It may not be suitable if you are undergoing medical tests for an existing condition that may mean you’d need to declare pre-existing conditions before you travel later in the year.

In this instance a pre-existing medical condition single trip policy taken out just before travelling would ensure you are correctly covered.

You should also be aware that many annual insurance policies have upper age limits normally 60 – 65. Anything over this age is either not available, or very expensive, as Insurers have to factor in the increased risks involved. There are however Insurers that specialise in holiday insurance for over 65’s and you can read about them here.

All policies exclude any claim that is alcohol related. As most people will have a drink when they go on holiday, this is an important consideration. The top policies offer guidance as to what is deemed acceptable and if drinking is going to be an important part of your vacation, then look for a policy that provides a benchmark.

Star Ratings Explained


Market Research companies hand out top rankings to a large proportion of Travel Insurance Policies.

Thats Insurance has been much more strict in our ranking process. We have awarded Five Stars to only the very best policies.

We appreciate that not every customer will want nor need a five star policy. The information on the right details exactly what you can expect from a policy with one of our star ratings.

Broadly speaking Three Star policies provide cover which is inline with the market average. Four and Five Star policies provide cover which is above the market average and One and Two star policies provide cover below the market average.

  1. The policy covers all core sections and all secondary sections under a travel policy.

  2. All Core Sections of cover are above the levels of the market average policy.

  3. All secondary sections are either at or above the levels of the market average policy.

  4. Has additional benefits over and above a standard policy.

  5. Includes cover for supplier insolvency as standard.

  6. Includes natural catastrophe cover, either as standard, or as an optional add on.

  7. Has the most competitive premiums in relation to the cover provided, across the range of scenarios tested.

  8. Has clear and consumer friendly, policy wording and explanations of cover.

  9. The policy has an alcohol wording that is more customer friendly than the standard blanket exclusion.

  10. The standard excess is below the level of the market average.

  1. Covers all core sections and secondary sections under a travel policy.

  2. Core Sections of cover either at, or above the levels of the market average.

  3. May have additional benefits over and above the standard policy.

  4. May not automatically include cover for supplier insolvency.

  5. Premiums are competitive premiums in relation to the cover provided across the range of scenarios tested.

  6. Has clear and consumer friendly policy wording and explanations of cover.

  7. The standard excess is either at or below the level of the market average.

  1. Provide cover for all core sections, but may have some secondary sections missing.

  2. May have Core sections of cover that are lower than the level of the market average.

  3. Premiums may not be as competitive, or be consistently competitive across the range of scenarios tested.

  4. The Insurer, may not have been able to provide quotations across the full range of scenarios tested.

  5. The excess may be above the level of the market average.

  1. May have some core sections of cover missing.

  2. May have some secondary sections of cover missing.

  3. Levels of cover tend to be below the market average.

  4. Premiums may be lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.

  1. Has core sections of cover missing.

  2. Has secondary sections of cover missing.

  3. Cover is much lower than the market average.

  4. Premiums are lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.