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Annual Travel Insurance

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 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.
  • 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 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.

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.

Annual Travel Insurance - Examples

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

That's Insurance Rating

Customer Rating

Platinum

50

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Medical Expenses 20,000,000

Cancellation 6,000

Missed Departure 1,000

Delayed Departure 350

Baggage 3,500

Personal Accident 80,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

That's Insurance Rating

Customer Rating

Platinum

50

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Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,500

Delayed Departure 500

Baggage 3,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

That's Insurance Rating

Customer Rating

Superior

50

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Medical Expenses Unlimited

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 315

Baggage 2,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

That's Insurance Rating

Customer Rating

Super Duper

50

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Medical Expenses 15,000,000

Cancellation 5,000

Missed Departure 1,500

Delayed Departure 240

Baggage 3,000

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

That's Insurance Rating

Customer Rating

Premier Plus

0

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Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 750

Delayed Departure 300

Baggage 3,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 100,000

Compare 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.