Annual travel insurance
Got a few trips planned? An annual multi-trip policy could save you money.
A year of travels, covered
If you travel often, you're in the right place.
If you have 1 trip booked in the next 12 months, have a look at our single-trip travel insurance.
- Covered for 12 months
- Up to 90 daysThis depends on the level of cover you choose. of cover per trip.
- Cover to suit you
- Travelling the worldNot including travel anywhere the Foreign, Commonwealth and Development Office advises against 'all' or 'all but essential' travel., got a European break planned, or staying in the UK? We've got you covered.
- We cover most medical conditions
- And the maximum age we can cover is 80.
With all our policies you get
24/7 worldwide medical assistance
With access to a doctor who speaks English by phone, video or in person, where available.
Access anywhere, anytime
View your documents, update your details and renew your policy online.
Protection when nature has other plans
Cover for cancellation, interruption or delay caused by a natural disaster.
Gadget protection built in
Enjoy up to £750 of cover for the tech you take away with you.
Travel insurance that’s got your back
Whether it’s a lost suitcase or a medical mishap, sometimes the unexpected happens. That’s where travel insurance comes in, helping you stay protected so you can focus on enjoying your trip.
To buy travel insurance you must be 18 or older, live in the UK and be registered with a UK GP. You must buy it before your trip has started.
Check our policy wording to see if the cover is right for you.
Cover you can count on
Pick from 3 levels of travel insurance cover.
Cover applies subject to policy terms and conditions, limits and any excess payable.
| Defaqto rating | Red | Silver | Gold |
|---|---|---|---|
| Emergency medical abroad More info Cover in the event of a medical emergency while you're abroad due to illness, injury or death. | £10m | £12.5m | £15m |
| Trip cancellation More info Cover for your costs if you have to cancel your trip due to an accident or illness. | £3,000 | £5,000 | £7,500 |
| Trip interruption More info Cover if you have to cut your trip short or for the loss of holiday due to injury or illness. | £3,000 | £5,000 | £7,500 |
| Baggage More info Cover if possessions such as baggage, clothing and backpacks were lost, stolen or damaged during your trip. | £1,250 | £2,000 | £3,000 |
| Gadget cover More info Cover for the costs of repair or replacing gadgets if they're accidentally lost, stolen or damaged. Items include, but are not limited to smartphones, laptops, tablets and smart watches. Drones are not covered. You should be aware that this is not a new for old policy. This means that we will not replace a gadget with a brand new one but with a refurbished version of the same model. | £500 | £500 | £750 |
| Personal money More info Cover for the loss or theft of personal money. This includes cash, traveller's cheques, and pre-payment cards. | £300 | £400 | £600 |
| Legal costs and expenses More info Cover for legal costs when you're seeking damages or compensation after an accident that happens when you’re on holiday. | £25,000 | £25,000 | £25,000 |
| Excess - per person, per incident, per trip | £100 | £75 | £50 |
Upgrade your cover
Pay a little more and extend your travel insurance with our optional add-ons:
Subject to terms and conditions.
You can add extra cover if you're taking part in winter sports. Winter sports insurance covers for:
- emergency medical treatment for winter sports injuries
- delay, loss, theft or damage to ski equipment
- ski pack expenses
- piste closure
- search and rescue costs
Cruises are covered as standard with our travel insurance.
If you want extra peace of mind while you're on board, our Cruise Cover add-on gives you extra cover for life at sea. It covers you if:
- you're confined to your cabin
- you miss a pre-booked excursion
- you miss a port of call
- you're denied boarding
This gives you extra protection for your gadgets while you're on holiday. All levels of gadget cover include:
- theft
- loss
- accidental damage
- malicious damage
When you make a claim you'll have to pay an excess charge. If you want to waive this cost, add 'excess waiver' cover to your policy.
Adding this as an extra means that if a vehicle you've rented gets damaged, you can get back the excess set out in the rental agreement.
Have a pre-existing medical condition?
We can provide cover for most pre-existing medical conditions, with no age limit for single trips. We cover up to age 80 for annual multi-trip policies.
View medical travel insuranceDo you have a condition that means you pay significantly more for your insurance?
It may be worth speaking to a specialist provider to compare quotes. Visit the MoneyHelper travel insurance directory or call 0800 138 7777 for more info.
Travel insurance directory
Get an annual travel insurance quote
Sort your cover in a few easy steps.
Fancy a chat?
If you would prefer to speak to someone, please give us a call.
Call us on
0330 175 8283
We're here from 9am to 5pm Monday to Friday. Closed Saturday, Sunday and Bank Holidays.
| Number | Cost |
|---|---|
| 03 numbers | Same as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way. |
| 084 numbers | Maximum of 7p per minute, plus your phone company's access charge. |
| 087 numbers | Maximum of 13p per minute, plus your phone company's access charge. |
| 0800 numbers | Free from UK landlines and personal mobile phones. |
Questions and answers
If you travel multiple times in 12 months, annual travel insurance could be cheaper than buying a policy for each trip.
An annual multi-trip travel insurance policy covers up to 90 daysThis depends on the level of cover you choose. of travel for each trip within 12 months.
It covers things such as emergency medical and repatriation, cancellation, personal money and personal possessions. For the full table of cover limits and any extra cover conditions check the policy wording.
Things such as:
- Trips longer than 90 days, unless agreed by us in writing
- Business travel
For the full table of cover limits and any extra cover conditions check the policy wording.
We'll cover an unlimited number of trips over 12 months, as long as each trip is not longer than the maximum trip duration stated in your policy.
The maximum duration of each trip is dependent on the level of cover you choose:
- Red - 31 days
- Silver - 45 days
- Gold - 90 days