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Compare Annual Travel Insurance

If you go abroad a few times a year you could save money buying an annual travel insurance policy. Compare these insurers that offer annual cover to use the same policy all year round.

What is annual trip travel insurance?

With annual trip travel insurance you are covered for a number of trips within a 12-month period. It can often work out cheaper than taking out multiple single trip policies for each trip you take. Insurers differ in terms of how many consecutive days they’ll provide cover for, so make sure you check the small print of your policy.

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So why might you need annual travel insurance? Well, it can be essential if you travel often. People often buy a travel policy to cover them for their holiday abroad once a year, but it can work out cheaper to buy annual cover if you go away twice a year or more. This is sometimes also called multi trip travel insurance.

More generally, it’s essential to have travel insurance as it should protect you if things go wrong.

What does travel insurance cover?

The main purpose of travel or holiday insurance is to cover you for cost of medical treatment abroad – which could go into thousands of pounds. It could also pay for you to be transported home in an emergency.

Policies do vary from provider to provider, but most should include emergency medical treatment costs to cover things such as hospital charges and ambulance fees. They usually also cover getting you home after medical treatment abroad, if you can’t use your original tickets. Often you’ll be covered for the costs of a friend or relative staying with you while you’re treated, or flying out from home to support you if needed.

Your policy can also cover you if you lose your baggage or other possessions (or they’re stolen), and refund you if the trip has to be cancelled or cut short (cover will vary depending on provider).

So is it going to be cheaper for you to buy an annual policy or a single trip travel insurance? It actually depends on a few things, so the best way to find out what would work best for you is to do a travel insurance comparison.

What affects the price?

The cost of your travel insurance will be influenced by:

Your age: As you get older, especially when you reach your 60s, the cost of travel insurance will go up – this guide explains how to find affordable cover as an older traveller.

Your health: If you have any existing medical conditions you will be more likely to fall ill on holiday and make an expensive medical expenses claim, which pushes your price up.

Your destination: If you are travelling to a dangerous region (an area of civil unrest for example), or somewhere that has expensive healthcare, it will also increase the price you pay.

Length of your trip: The longer you are away, the more expensive your cover will be.

Extra cover: Upgrading your cover limits and adding extra cover like extreme or winter sports will make your cover more expensive.

How long can I go away for?

It depends on your policy, but most insurers offer maximum single trips lengths of between 31 and 365 days.

How can I get cheaper annual travel insurance?

The best way to get the cheapest deal is to shop around for quotes using the table above. You can also try these 8 ways to cut your travel insurance costs.

When should I start my annual travel insurance policy?

You should buy your policy as soon as you book your holiday so you will be protected against cancellation before you travel.

Can I get annual travel insurance with pre-existing medical conditions?

Yes, but it can be more expensive and not all insurers will cover you.

Do I need annual travel insurance in Europe if I have an EHIC?

Yes, the European Health Insurance Card (EHIC) only gives you access to basic state-provided healthcare when in European Economic Area (EEA) countries.

Will annual travel insurance cover me if I travel for business?

Yes, and some policies offer business cover as an extra to cover things like your laptop, mobile phone and any other business equipment.

Who do we include in this comparison?

We include unsecured loans you can get in the UK from our panel. Like other comparison sites, we make money when you click through to a product or service, or go on to purchase it after visiting our site. If you use one of our broker services, we make commission after you buy a product, but it doesn’t cost you anything extra. Our comparisons are free for you to use and you get the same or a better deal than going direct.



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