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Compare annual travel insurance

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What is annual travel insurance?

Annual travel insurance (also known as multi-trip travel insurance) is an insurance policy designed for people who make two or more holidays or business trips in 12 months. 

Its benefits include:

  • pay once for 12 months’ cover
  • travel insurance for an unlimited amount of holidays 
  • savings increase the more you travel

We can help you compare annual travel insurance and find the right cover for your needs.  

Frequently asked questions

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 quote of £5  for single-trip travel insurance for 1 week in Europe based on Compare the Market data in June 2019.  Meanwhile our stats show that 50% of people could achieve a quote of £9 for Europe multi travel insurance based on Compare the Market data in June 2019.    

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 a multi-trip travel insurance 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.

Can I extend the maximum trip duration on my annual travel insurance 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 travel insurance, could 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.
  • 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 (multi-trip) travel insurance and we’ll show you quotes to help you find the deal that’s right for you. Get a quote in a couple minutes. 

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