The UK’s favourite travel insurancebased on more 5-star Trustpilot reviews than any other provider
Cover for pre-existing medical conditions and all ages
Talk to an English-speaking GP via video call with Travel Doctor***
Our Signature and Comprehensive policies are Which? Best Buys.
Excellent 4.7 | 543,870 reviews
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2025
Annual travel insurance at a glance
With Staysure’s annual multi-trip travel insurance, you could get up to 183 days of cover over 12 months for multiple holidays. Our award-winning annual holiday insurance policies also offer protection for baggage loss, trip cancellations, and up to two winter sports trips on our Comprehensive and Signature levels. We cover pre-existing medical conditions and all ages. Getting a quote is simple online or over the phone.
Staysure has specialised in travel insurance for pre-existing medical conditions since 2004. 97% of customers are able to get medical cover with us. We hold a Defaqto 5-star rating for our Comprehensive and Signature policies, and have more 5-star Trustpilot reviews than any other UK travel insurance provider.
If you’re frequently jetting off to your favourite holiday spots year-round, then our annual multi-trip travel insurance (also known as annual holiday insurance or yearly travel insurance) will fit you like a glove.
It keeps all your trips, up to 50 days at a time across 183 days over the span of a year, covered under one policy (depending on your age). That’s plenty of time to put your feet up and relax.
It’s an ideal option if you go on holiday more than twice a year, as it saves you the hassle and cost of buying separate policies for each trip.
The type of cover you need will depend on the duration and number of holidays slotted into your calendar.
Annual multi-trip travel insurance
If the travel bug bit and you jet off more than twice a year, our annual multi-trip travel insurance may offer the best value for money. It will keep you covered for up to 183 days over a set 12-month period, and the best part is that you are not tied to set dates. Should your plans change, or you want to squeeze in one more getaway, you’ll still be covered.
Single-trip travel insurance
If travelling only once a year fills your cup, then single-trip travel insurance is probably your best bet. It usually costs less than annual multi-trip cover, because you’re only covered for one trip of up to three months at a time.
Buying travel insurance right after booking your trip is a great way to protect your holiday from the unexpected. Depending on your age, you might be able to buy your single-trip policy up to 18 months before your travel.
Why choose Staysure?
Up to unlimited medical emergency expenses
Generous cancellation cover up to £15,000
We’ve given over 12m people peace of mind
Most pre-existing medical conditions covered
Easy to access and amend your policy online
What does annual travel insurance cover?
What’s covered?
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cruise cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You feel like a kid again at an indoor ice rink in France. After letting go of the railing, your skates get a mind of their own and start to drift further apart. You end up splitting, with both your dignity and your ligaments hanging on by a thread. Because indoor ice skating is one of our 100+ activities covered as standard, we’ll pay for the ambulance and medical costs to get you back on your feet.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike* severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme sports, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You go quad biking in South Africa to see some wildlife up close when you accidentally hit the gas instead of the brakes and faceplant into a thorny bush. Because quad biking isn’t covered under our policies, we won’t be able to cover your medical claims.
Annual multi-trip travel insurance for medical conditions
A pre-existing medical condition shouldn’t stop you from ticking more places off your bucket list. As a medical travel insurance specialist, we cover over 1,300 medical conditions,** and all ages.
To get the cover you need, you’ll need to fill us in about your medical history. Being honest about your health during our quick and simple screening process means you will be fully covered should the worst happen. If you forget to mention something while buying your cover, you can simply log into your MyStaysure account or get in touch with our team to fill us in.
Medical conditions we regularly cover
We cover a vast number of medical conditions, including:
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.*** It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
“If you’re keen on hitting the slopes, you’ll be glad to know that our annual multi-trip travel insurance covers up to two winter sports trips of up to 21 days at no extra cost on our Comprehensive and Signature policies. Just be sure to buy your cover as soon as you’ve booked, so you’re protected in case your plans go off-piste. For more information, see our policy documents.
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How long can I travel for with annual multi-trip travel insurance?
Our annual multi-trip travel insurance covers multiple trips for up to 183 days over 12 months, but how long you can travel during each trip depends on your age.
Age
Annual Multi-Trip
0 - 70
Maximum 50 days in any one trip
183 days in total
71+
Maximum 35 days in any one trip
183 days in total
How to buy annual travel insurance
Buying yearly travel insurance has never been easier.
1. Tell us about your trip
To get started on your quote, we’ll go over your travel plans. We need to know who’s coming along, where you’re heading, how long your trip will be, and whether you need insurance for a single trip or annual multi-trip cover.
For cruises, it’s important to include every destination on your itinerary, as well as any flights to and from your port.
2. Share your medical history with us
Next on the list, we’ll go over some health questions with you so we can make sure you get the best medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
3. Get your personalised quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your policy level and add any optional extras that suit your trip, like Cruise Plus or gadget cover.
If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Many experts agree that buying travel insurance as soon as you’ve booked your holiday is the best way to go. By doing this, you’ll be covered during the run-up to your holiday and while you’re abroad.
Despite the benefits of buying early, lots of people leave it to the last minute. Our sales data from July 2025 to January 2026 shows that the majority of travellers purchased their policy within 30 days of leaving, with a significant proportion doing so within just a few days of departure.
Travel insurance can’t be backdated, so it’s best to get it locked in before you are on holiday. If you still have to get your policy in place for future travels, it’s not too late. Simply get in touch with our friendly team to get a quote.
How much is annual multi-trip travel insurance?
Our annual multi-trip travel insurance is priced around your trip and how you like to holiday. Things like where you’re going, how long you’re travelling, your age, pre-existing medical conditions, and what you’d like to insure all influence the final cost.
If you’re travelling more than twice a year, our annual multi-trip travel insurance usually offers the best value. Plus, if your annual travel policy comes to £80 or more, you can pay in monthly instalments to spread the cost. It’s easy to set up online or over the phone.‡
Want to shrink the costs of your travel insurance while still getting the most out of your policy? Keep these tips and tricks in mind before you buy:
buy your policy early – taking out travel insurance soon after booking your trip can keep you covered if you need to cancel before you travel.
choose a higher excess – a higher excess will help to lower your premium, but be sure to choose an amount you’re comfortable paying if needed.
skip the add-ons – by not adding things like cruise or gadget cover if you don’t need them, you can lower your overall cover cost.
declare your medical conditions – being open about your health history helps to ensure the right cover is in place and makes sure all your claims sail through.
combine travellers on one policy – make sure all your travel companions are on the same policy, such as our family travel insurance, to save on cover costs.
keep your baggage light – by taking only what you need, you can lower the baggage limit on your policy and bring your premium down.
find a discount – make sure you swing by our discounts page before you buy so you can save on your policy.
The big-ticket costs travel insurance can help with
From October 2024 to October 2025, emergency medical expenses were our most common claim, and for good reason. Hospitalisation for a stomach bug in the USA with medical repatriation back to the UK could set you back £150,000+, according to the UK government.
In reality, the biggest claims are often more costly. While the average emergency medical claim on our worldwide policies was about £3000, the highest we paid was closer to an eye-watering £350,000.^
Over the same period, our second most common claim on worldwide policies was cancellation. If you need to pull the plug on your holiday, we can help you recover the prepaid costs – with the average cancellation claim on our worldwide policies coming in at around £2000, and the highest reaching more than £50,000.
Excellent 4.7 | 543,870 reviews
The UK’s favourite travel insurance provider
with more 5-star Trustpilot reviews than any other provider.†
Highly recommended company
Have used Staysure before and recommended to a couple of friends and family. It’s a company I trust and the website is easy to use and navigate. I had a few questions regarding my medication after getting my insurance set up and the person who chatted to me via live chat helped answer my questions. I feel safe in the knowledge that I have chosen adequate travel insurance.
I also have a £10 Love To Shop voucher to spend through my recent referral.
Thoroughly recommend Staysure especially if you’re awaiting test results or unable to get insurance elsewhere (as I was last year).
Mrs Q,
Very good experience
Very good experience
Jijo,
Really helpful and knowledgeable…
Really helpful and knowledgeable advisors who took time to explain things and also to answer any questions I had.
Mr Everett,
Voted Best Travel Insurance 9 years running
The British Travel Awards have named us Best Company for Travel Insurance 9 years in a row (2016-2025). We couldn’t have done it without you, seeing as this stellar recognition is based on the votes of real customers, trusting us to protect their travels.
We are over the moon to hold this title because it shows our commitment to excellent customer service, round-the-clock support, and an easy and efficient claims process.
Other annual multi-trip travellers often ask...
According to the trade association for UK travel agents (ABTA)’s Holiday Habits 2025 – 2026 report, only 54% of UK travellers think getting travel insurance is essential to feeling protected when going on holiday. But plans can change at the drop of a hat, and not having travel insurance means you will have to cover the costs should anything go wrong.
By taking out a travel insurance policy as soon as you book, you can rest assured that should something prevent you from going on holiday or cut your trip short, you will have financial support to fall back on.
A single-trip policy covers you for only one trip, whereas an annual multi-trip policy covers you for lots of trips during the year – which is why it’s also known as annual or yearly travel insurance. Single-trip insurance lets you pay only for the cover you’ll use, and multi-trip insurance spares you the admin of buying separate policies each time you travel.
For more information on all our policies, you can browse through our policy documents.
According to ABTA, 37% of UK travellers prefer going on a 7-day cruise. If you tell us about your sea voyage when buying your policy, we will be able to cover your cruise for things like cruise cancellation, medical emergencies and baggage cover. You will also need to tell us about every country you'll be porting at during your cruise holiday to be fully covered.
If you want more protection, our Cruise Plus add-on can cover you for cabin confinement and any resulting unused excursions, missed port departures, cruise interruptions and itinerary changes. This add-on is available on our Comprehensive and Signature policies and also covers river cruises.
Your cover is valid for 12 months from the start date of your policy. All of your trips must take place during this time to be covered. The only exception is if an insured event throws off your plans while you are abroad. We’ll then automatically extend your cover until you return home.
We will send you a renewal notice at least 21 days before your policy comes to an end, and it will include your premium for the next year based on your latest medical declaration.
If your policy ends during your travels, we can automatically renew your policy using your on-file payment details. Your new policy will offer the same level of protection if it’s automatically renewed.
When you get a quote, we ask about your medical history so we can tailor your travel insurance and cover you for policy-approved pre-existing medical conditions.
If you fall ill after buying your policy and it causes you to cancel your trip, we should be able to cover the costs.
If you need to add a new medical condition to your policy before you travel, simply log in to your MyStaysure account or get in touch with our team.
Yes, we can cover trips to the UK, but only if you’ve booked and paid for at least two consecutive nights of accommodation in the country. Simply let us know that you’re going to be holidaying in the UK when buying your annual multi-trip policy, so we can include it on your cover.
Got a fun activity in mind that you want to explore while on holiday? A lot of UK travellers plan their trips around their favourite pastimes.
We cover more than 100 fun activities as standard, including boogie boarding, catamaran sailing, ice skating, jet skiing, volleyball, swimming, surfing, Pilates, rowing, skateboarding, snorkelling, water parks, and cycling, with some exceptions when it comes to personal accident and liability cover. See our policy documents for more information on what sports and activities we can cover.
If you love to golf, you’ll be happy to know we cover you for playing golf as standard on all our policies. But should you need it, we also provide extra golf cover, which covers things like golf equipment and your non-refundable golfing fees.
At Staysure, we believe that as your age gets bigger, so should your dreams. We cover pre-existing medical conditions and welcome travellers of every decade, including seniors.
Our annual multi-trip policies let you take as many adventures as you like within a 12-month window, up to a combined 183 days away. The only thing that changes with age is how long each individual trip can be.
Stay in control of your account with My Staysure
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
Written by: Claudine Nortje, travel insurance expert
Last updated: 24/07/2026
*As long as strike action wasn’t common knowledge at the time of booking your trip or taking out your policy – whichever came later.
**Subject to screening. See our policy documents for full details.
***Travel Doctor is powered by Air Doctor. Up to 3 appointments per insured person, per policy. Geographical restrictions and T&Cs apply.
†UK’s favourite based on more 5-star Trustpilot reviews than any other provider.
‡Available on Annual Multi-trip policies to the value of £80 and over. Staysure a trading name of Howserv Limited. Howserv use Premium Credit Limited (PCL), the credit agreement provider to administer your finance agreement. Howserv act as the credit broker not a lender and receive a commission for introducing customers to them. On acceptance, a credit agreement will be set up. Representative example based on a £200 policy (net of the paid deposit of £18.61). An Annual Percentage Rate of 24.9% will be charged with a fixed interest rate of 12.55%. Amount of interest over 11 months= £22.77. Monthly repayments of £18.56. Total amount payable £222.77. Correct at time of print.
The UK’s favourite travel insurancebased on more 5-star Trustpilot reviews than any other provider
