Annual Travel Insurance

Annual Multi-Trip Travel Insurance policies cover your travel plans for up to 183 days in total.

Each trip you take must not be longer than:

• 50 days if you are aged 70 or below. You can increase your trip duration limit to 100 days (for one trip) by paying an additional premium
• 35 days if you are aged 71 and above

With annual travel insurance, you can choose the start date of your policy and the region you want to be covered for depending on where you’ll be travelling to in the next year.

You can buy your policy and start your cover up to 30 days from now.

It’s up to you when you buy and start your policy. But keep in mind that your cover only starts when your policy does, so if you want to be covered for cancellation it’s best to start your cover as soon as you can.

For our yearly policies you can add the whole family from newborns upward but when buying as a couple or family, you could find it’s cheaper to buy together. Families and couples living at the same address often get an automatic discount applied, so it might be better for you to buy your policies together.

If a family member on your policy falls ill, then you’re also more protected if you have to change your plans. When insured individually, you may not be covered - having the right insurance means that you and your family are covered properly.

We specialise in covering people with pre-existing medical conditions, with tailored travel insurance to suit their personal and medical needs. Whether you have high blood pressure, diabetes, cancer or anything else, you must declare it.

If you do not declare any pre-existing medical conditions you may have then you may find that your insurance will be invalid if something does happen related to your condition. With 1 in 20 people who purchased an annual policy in 2018 claiming on their insurance**, it’s best to make sure you’re covered.

You can add conditions to tailor your policy through our simple online medical screening.

The difference between choosing Single Trip Travel Insurance or an annual policy is how often you’re planning on travelling, how long you’re planning on travelling for and where you’re going to:

With an Annual Travel Insurance policy, you will be covered for multiple trips in a 12-month period (trip limits apply). You can buy your policy up to 30 days before you want it to start.

A single trip policy will cover you for one return trip and can be bought up to 13 months before you travel.

Both have no upper age limit.

Having a free European Health Insurance Card (EHIC) is useful if you’re travelling around Europe. In fact, it’s a condition of our travel insurance that you take an EHIC with you if you’re travelling to European countries.

If you’ve had to use your EHIC and need to claim, we’ll waive the excess that you’d normally have to pay on medical claims. Although having an EHIC is a really important thing to have in place before you go on holiday, it’s not a replacement for good holiday insurance. It won’t be able to cover cancellations, loss of baggage or any other non-medical related claims.

When it comes to our Annual Travel Insurance policy, you can choose between four regions to cover different locations you could be going on holiday to in the next year. The only countries or areas we cannot provide cover to visit are where either the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO) have advised against all or all but essential travel. You should check the FCO advice for your destination, and any WHO updates when going abroad.

Region 1: UK & Europe, excluding Cyprus, Egypt, Greece, Malta Morocco, Spain, Turkey and Tunisia,

Region 2: Includes all of Europe - including those excluded in region 1

Region 3: Worldwide excluding Bermuda, Canada, the islands of the Caribbean, China, Hong Kong, Mexico, Thailand, and the United States of America

Region 4: All countries

Our Annual Multi-Trip Travel Insurance includes winter sports activities as standard. This means you’ll be covered for winter sports activities for up to 21 days in one trip.

For more information on what our Winter Sports Travel Insurance covers, click here.