Annual Travel Insurance Review

Annual  Travel Insurance Review

Annual Travel Insurance Review

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I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Annual Travel Insurance plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Annual and who underwrites their policies?

AnnualTravelInsurance.com is a trading name of Blue Insurances Ltd with offices in Dublin and Cardiff. The policies are now underwritten by MAPFRE Assistance and administered by Blue Insurances Ltd. Both are regulated by the Financial Conduct Authority.

Blue Insurance has been voted Best Travel Insurance provider by the Irish Travel Trade in the last three years and is the number one travel Insurance provider in Ireland. They also own and operate under the trading name Greatcover.com and Multitrip.com.

Annual Travel offer three policies, single trip, annual multi trip and backpacker. Choose from three levels of cover Economy, Super and the Super Plus which has received a highly recommended four star rating from us.

Annual policies start from as little as £18.95 and £31.95 with the addition of WinterSports.

Annual Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Annual Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Annual Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Annual Travel Insurance, they are Super Plus, Super, Economy, we have rated these as follows:-

Rating for Single Trip Super Plus:

Rating for Single Trip Super:

Rating for Single Trip Economy:

Single Trip Travel Insurance Guide here
Annual Travel Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Annual Travel Insurance, they are Backpacker, we have rated these as follows:-

Rating for Backpacker Backpacker:

Backpacker Travel Insurance Guide here
Annual Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Annual Travel Insurance, they are Economy, Super, Super Plus, we have rated these as follows:-

Rating for Annual Economy:

Rating for Annual Super:

Rating for Annual Super Plus:

Annual Travel Insurance Guide here
Annual Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Annual Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Annual Travel Insurance's travel policy wording

1

What is the age/classification of a child on the policy?

A child is classed as a dependent person living at the same address as the insured adults, aged under 19 (or under 24 if in full time education)

2

What are the policy age limits?

  • The single trip travel policy has a maximum age limit of 79. (Economy cover 59 years)
  • The annual travel policy has a maximum age limit of 75. (Economy cover 59 years)
  • The backpacker travel policy has a maximum age limit of 49.

3

What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 365 days. This is reduced to 35 days if you are between the ages of 68 - 79.

The annual travel policy allows for an unlimited number of trips. The economy policy restricts the number of days per trip to 35. The super and super plus policies increases the number of days per trip to 60 (provided you are aged 65 or less). For travellers aged between 66 and 69 it is reduced to 31 days and between 70 and 75 to 21 days.

The backpacker policy allows you to travel for up to one year.

Wintersports can be added by anyone under the age of 65.

4

What does the policy offer for Winter Sports cover?

Wintersports cover can be added to single trip, annual or backpacker policies. Under the annual travel policy, the maximum number of days skiing is restricted to 18 days in any one period of insurance.

Activities covered include Guided cross country skiing (Nordic skiing), glacier skiing, mono skiing, off piste skiing or snowboarding except in areas designated as unsafe by local resort management unless accompanied by a locally qualified guide, recreational racing, skiing, snowboarding, snowmobiling, tobogganing and snow sledging. Anything not in this list is excluded.

The cover provided is as follows

Ski Equipment: Economy, Super and Backpacker £400 (single article limit £200  Super plus £600 (single article limit £300)

Ski Hire, Ski Pack and Piste Closure: Economy £10 per day max £300 Super £40 per day max £400  Super Plus £50 per day max £500 Backpacker £30 per day max £300

Avalanche closure: economy upto £350 Super upto £300 Super Plus upto £500 and Backpacker upto £400

According to the website wintersports cover starts from $24.99

5

What is classed as a family and how many people can be quoted for?

The policy defines Family cover as up to two adults and any number of children (although there is only room on the quote to include a maximum of 8 children), step children, or foster children, aged under 19 (or under 24 years if living at home and in full time education).

Under the annual policy any child under 16 cannot travel independently of their parents. Any child aged 16 or over can travel independently provided, they are travelling on an organised school or college trip and are with a responsible adult aged 18 years or over.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

The policy states you should obtain an EHIC card if you are travelling to any country in the European Union, European Economic Area or Switzerland.

If you are travelling to Australia, you must enrol with a local MEDICARE office, after the first occasion you receive any treatment at a public hospital.

7

What is covered under Sports and Activities on the policy?

Sports and Activities are split into four seperate Grades. Grade 1 list over 60 pursuits that you are automatically covered for, things like (but not limited to)  Windsurfing, whitewater rafting (grades 1 - 3), Jetskiing, Suba Diving down to 30 metres, provided you hold the relevant qualification.

Whilst there is no additional premium to pay, some of the activities exclude personal liability cover.

Grade 2 activities carry a 50% loading (or a charge of £30 per additional activity) For example Parasailing, or trekking between 2000 and 4200 metres. The medical excess is increased to £320, Personal accident is reduced by 50% and personal liability is excluded.

Grade 3 pursuits carry a 100% loading (or a charge of £75 per additional activity) For example Grade 4 Kayaking, or grade 4 white water rafting. The medical excess is increased to £650, personal accident cover reduced by 50% and personal liability excluded.

Grade 4 pursuits carry a 200% loading (or a charge of £112.50 per activity) For example motor cycling over 125CC, rock climbing under 2000m or hang gliding. The excess, personal accident and personal liability is the same as for grade 3.

Any other activities not listed are excluded. Read the policy documentation for a full list.

8

What are the policy Alcohol Exclusion terms?

The policy excludes cover for you drinking too much alcohol, alcohol abuse or alcohol dependency. They do not expect you to avoid alcohol on your Trips or holidays, but they will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (for example, any medical claim where in the opinion of the treating doctor, excessive alcohol consumption has caused the Bodily Injury)

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

All policies include Airline Supplier Failure, the super and super plus policies include third party supplier failure as standard.

The backpacker policy includes both scheduled airline failure and end supplier failure, although the sum insured is restricted to £300 in both cases.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

The policy provides a list of minor medical conditions. If you only have one of these, there is no need to contact the Insurer. For any thing else, either the medical condition is excluded under the policy, or you need to contact them by phone if you wish to get the condition included under the policy.

There is no facility to underwrite the condition online at the point of sale. Read our guide for taking medication abroad.

11

What are the policy rules on travelling when pregnant?

Any complications of pregnancy and childbirth is covered under the policy and means any of the following only:


- Toxaemia (toxins in the blood)
- Gestational diabetes (diabetes arising as a result of pregnancy)
- Gestational hypertension (high blood pressure arising as a result of pregnancy)
- Pre-eclampsia (where You develop high blood pressure, carry abnormal fluid and have protein in Your urine during the second half of pregnancy)
- Ectopic pregnancy (a pregnancy that develops outside of the uterus)
- Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
- Post-partum haemorrhage (excessive bleeding following childbirth)
- Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
- Placental abruption (part or all of the placenta separates from the wall of the uterus)
- Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
- Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
- Stillbirth
- Miscarriage
- Emergency Caesarean section
- A termination needed for medical reasons
- Premature birth more than 8 weeks (or 16 weeks if You know You are having more than one baby) before the expected delivery date.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The policy specifically excludes cover for our engagement in or practice of manual work including:
• hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial/supervisory, sales or administrative capacity).
• work in connection with a profession, business or trade for example: plumber, electrician,  lighting or sound technician, carpenter, painter/decorator or builder.
• working with wild animals of any kind.

However the policy does cover non manual work described as (bar and restaurant work, amateur
musicians and singers, chalet maids, au pair/nanny, retail work, fruit picking and occasional
light manual work at ground level but excluding the use of power tools or machinery) 

13

Do I need original receipts for lost baggage if I need to claim on the policy?

The policy states Receipts for items lost, stolen or damaged or proof of ownership should be retained as these will help you to substantiate your claim. There will be a deduction made for wear, tear and or depreciation.

14

What does the policy cover in the event of war, terrorism or cyber attack?

The policy excludes cover for terrorism, except in relation to a claim under Emergency Medical Expenses, Hospital benefit and Personal Accident

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

The Super, Super Plus and Backpacker policy provide cover in the event you are forced to move accommodation or to return home, as a result of a natural disaster.

However you have the option to pay an additional premium to increase this to cover to include extended cancellation, delayed departure, holiday abandonment, missed departure, additional accommodation.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available if you have been permanently resident in the United Kingdom for the past six months prior to the date of issue.

Annual 's 'User Friendly' Rating

That's Insurance have reviewed Annual 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Annual rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Annual Travel Policies

We've highlighted Pro's anc Cons for Annual , click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Annual Travel Insurance.

  • Super Plus policy has four star rated levels of cover
  • Quick and easy to use quotation system.
  • Scheduled Airline Failure cover as standard
  • You have to add the cost of a £3.95 administration fee to any quotation.
  • No online screening for pre-existing medical conditions.

What Cover do Annual policies offer.

We've listed below cover levels for policies offered by offered by Annual Travel Insurance To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Super Plus

    Single Trip

    Super

    Single Trip

    Economy

    Single Trip

    Economy

    Annual

    Super

    Annual

    Super Plus

    Annual

    Backpacker

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    55

    75

    195

    195

    75

    55

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    20,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    3,000

    1,000

    1,000

    3,000

    5,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    40,000

    25,000

    10,000

    10,000

    25,000

    40,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    1,500

    1,000

    1,000

    1,500

    3,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    300

    200

    200

    300

    400

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    500

    250

    250

    500

    1,000

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    3,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    3,000,000

    3,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    20,000

    15,000

    0

    0

    15,000

    20,000

    10,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,000

    1,500

    1,500

    1,500

    1,500

    2,000

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

    250

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    150

    0

    0

    150

    200

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    750

    0

    0

    750

    1,000

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    500

    1,000

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,000

    1,000

    0

    0

    1,000

    2,000

    300

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

Sample Quotes from Annual Travel Insurance.

Listed below are some Sample Quotes offered by Annual Travel Insurance (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Family

Age: 18 - 29

Trip Days: 14

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Economy

195

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

Single Trip

Europe

Couple

Age: 50 - 59

Trip Days: 14

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super

75

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 150

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 15,000

Single Trip

Worldwide

Couple

Age: 18 - 29

Trip Days: 21

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Plus

55

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 365

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super

75

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 3,000

Missed Departure 750

Delayed Departure 150

Baggage 1,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 15,000

Annual

Europe

Couple

Age: 71 - 75

Trip Days: 365

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Plus

55

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Annual

Europe

Individual

Age: 18 - 29

Trip Days: 365

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Super Plus

55

Click Heart to Favourite

Compare Now

Medical Expenses 20,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 200

Baggage 3,000

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 20,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 30

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 15,000

Personal Liability 3,000,000

Legal Expenses 10,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 25

Trip Days: 270

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 15,000

Personal Liability 3,000,000

Legal Expenses 10,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 45

Trip Days: 180

Annual  Travel Insurance Review
That's Insurance Rating

Customer Rating

Backpacker

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 15,000

Personal Liability 3,000,000

Legal Expenses 10,000

How to Buy Travel Insurance from Annual Travel Insurance

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Annual - No Current Discount Codes

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Customer Reviews of Annual Travel Insurance

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