Got a few trips coming up?
Earn 3,500 Virgin Points when you buy Annual Multi-Trip Travel Insurance. It's never been more important to have the right travel insurance in place. Get peace of mind and earn points at the same time. Terms and conditions apply.
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.
Choose your core cover
Pick from 3 levels of cover.
Cover applies subject to policy terms and conditions, limits and any excess payable.
Red | Silver | Gold | |
|---|---|---|---|
| Defaqto rating |  |  | |
| 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. 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
Terms & conditions
Travel Insurance - Virgin Red Points Offer - Effective from 25.05.22
- Virgin Red Members who:
- are 18+;
- are resident in the UK (excluding Channel Islands and the Isle of Man).
It’s important that you follow these steps to make sure you are eligible for this offer. If you don’t, you might not get your points... and we don’t want that!
- Buy a Virgin Money Annual Multi Trip Policy (the Policy) via the offer in the Virgin Red app or Virgin Red website.
- You’ll see the offer listed in the “Earn Points” section of the Virgin Red app and website.
- Just click on “Get Points” when you want to go ahead. This will link you to the offer page on the Virgin Money website.
- From there, click on ‘Get a quote’ and fill in your policy requirements to receive a quote.
- Make sure you choose the Annual Multi-trip Policy. The Policy start date must be within 45 days of buying the Policy.
- When you’re happy to go ahead, pay for the Policy.
- You will receive a confirmation email from Virgin Money.
- You need to hold the Policy for at least 45 days to be eligible for the Offer before points are credited to your Virgin Red account. If you or Virgin Money cancel the Policy before 45 days, you won’t be eligible for points.
- This offer can’t be used in conjunction with any other offer. Points are only offered in year one of the policy.
- If you meet the offer conditions, we’ll give you a Virgin Red promo code. You can redeem this code with our friends at Virgin Red to get 3,500 Virgin Points.
- We’ll send you an e-mail with your promo code within 28 days of you meeting the offer conditions. We’ll send your code to the e-mail you gave when you bought the Policy. The e-mail will provide instructions on how to redeem the code within the Virgin Red app or website.
- Your Virgin Red promo code can be redeemed with Virgin Red:
- until 31 March 2027 for codes received via email after 29 April 2026
- until 30 June 2026 for codes received via email after 9 September 2025
- Make sure to redeem your code before the date mentioned on the email you receive with your code.
- Only one Virgin Red promo code will be generated per eligible Policy.
- After you’ve redeemed your Virgin Red promo code, the points are added to your Virgin Red account. There is no specific expiry date for using the points. You’ll be free to use them in line with Virgin Red’s programme terms Link opens in a new window.
- We thought we should highlight a few key things from Virgin Red’s terms:
- the points don’t have a cash value and they can’t be swapped for cash;
- the available offers can change from time to time; and
- the points cost for each offer can change too.
- Although we’ll be working closely with our friends at Virgin Red on this promotion, we aren't responsible for their terms, their marketing, or any of the offers available through their app. Just contact Virgin Red or the relevant offer provider if you have any questions about these topics.
- The offer will be available on an ongoing basis until we withdraw it. We can withdraw the offer without giving you any advance notice, but we’ll try to give some notice if we can.
- The offer is subject to availability. This means we will definitely withdraw it when we’ve used up our stock of Virgin Red promo codes.
- You don’t need to worry if we withdraw the offer when you’re part way through meeting the offer conditions. As long as you’d bought the Policy before we withdraw the offer, you can still qualify. You’ll just need to continue to meet the rest of the conditions.
- You can only benefit from this offer once.
- We’ll use your personal information to help us run the offer.
- English law applies to the offer.
- Standard Virgin Money Travel Insurance Policy conditions apply.
- If something goes wrong, we’ll try to fix it. If we can’t because it’s something we can’t control, or it’s not our fault, then we may have to change the offer. This includes suspending the offer or ending it early. We can make such changes without giving you notice. However, we’ll try our best to avoid making changes. And we’ll try to minimise any disappointment to you when we make changes.
- We are CYB Intermediaries Ltd.
- Our company number is 04056283.
- Our registered office is Jubilee House, Gosforth, NE3 4PL.