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Annual cover

Frequently asked questions

  • Is annual travel insurance right for me?
  • How many times can I go away on an annual policy?
  • How many days can each holiday be for?
  • Can I extend the maximum trip duration on my policy?
  • What will an annual travel insurance policy usually cover?
  • Will I need extra cover for sports and activities?
  • Where can I compare annual travel cover quotes?

Is annual travel insurance right for me?

Annual travel cover could be a good solution for anyone who makes two or more trips in 12 months. But for those just taking a one-off holiday, single trip cover might be better.  

According to our figures, 50% of people could achieve a single trip travel insurance quote of £5 for a one-week trip to Europe compared to an annual travel insurance quote of £7 for Europe, based on Compare the Market data in May 2018.


That means if you travel once a year, a single-trip policy could be cost-efficient. However, if you travel two or more times a year, you’ll probably save money by signing up for an annual multi-trip policy.

How many times can I go away on an annual policy?

It’s up to you. If you’ll be making numerous trips, it’s advisable to double check the small print on your insurance provider’s policy though in case there’s a maximum trip limit, as all policies vary.

How many days can each holiday be for?

Typical annual travel insurance cover normally stipulates that each of your holidays can’t exceed a certain number of days – normally 31.

However, you can find policies for 60 or even 90 days. If you intend to be away for longer, then look for a long stay policy.

Can I extend the maximum trip duration on my policy?

This depends on your age and the level of cover you’re going for. 

Typically, providers of annual travel insurance cover people aged 19-75, and the maximum trip duration is usually 31 days or 60 days, depending on the cover you’re purchasing. 

The maximum duration for flyers aged between 66-75 years old is usually around 21 days.
 
It can be a little tricky to get an extension. Insurance providers usually suggest you take out a single trip policy to cover you if you need to stay longer than the time limits specified in your policy.

What will an annual travel insurance policy usually cover?

A typical travel insurance policy, including annual trip cover, should protect you against: 

  • Medical expenses – your policy should cover you for medical emergencies, the cost of any treatment, overnight stays and repatriation. Remember your European Health Insurance Card (EHIC). Although it’s not a replacement for medical insurance, it allows you to get medical treatment like a local in EU countries. Also remember to tell your insurance provider about any pre-existing medical conditions.  
  • Cancellation and curtailment – this could help if you need to cancel or cut short your holiday.  
  • Missed departure or delays – offers cover if your flights are delayed because of an insured event.  
  • Stolen, lost or damaged luggage – make sure you’ve enough insurance to cover the cost of your luggage.  
  • Personal liability cover – this may cover the cost of any damage or injury you inadvertently cause while you’re away.

Will I need extra cover for sports and activities?

If you’re intending to do any sports or adventure activities you may want to look at:  

Where can I compare annual travel cover quotes?

All you need to do is compare annual travel insurance and we’ll show you quotes to help you find the deal that’s right for you. Get a quote in minutes. 

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