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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.

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.

  • You'll be covered for 12 months
    An annual multi-trip policy covers up to 94 daysThis is dependent on the level of cover you choose. of worldwide travel for each trip within 12 months.
  • Cover to suit you
    Travelling the world, got a European break plannedNot including travel anywhere the Foreign, Commonwealth and Development Office advises against 'all' or 'all but essential' travel. or staying in the UK? We've got you covered.
  • We cover most medical conditions
    And the maximum age we can cover is 80.

Cover you can count on

Pick from 3 levels of travel insurance cover. Use the table to see the excess you'll pay, and the cover limits.

To buy travel insurance you must be 18 or older, live in the UK and have the recommended vaccinations for your destination. You must buy it before your trip has started.

Exclusions, sub-limits and excesses may apply. For the full table of cover limits and any extra cover conditions check the policy wording.

View Virgin Money Policy Wording (PDF, 1.34MB)
View Insurance Product Information Document (PDF, 930KB)
 
Lowest cost policy
 
Highest cost policy
Defaqto rating

Red

defaqto 2025 three star expert rated

Silver

defaqto 2025 three star expert rated

Gold

defaqto 2025 three star expert rated
Emergency medical and repatriation

Cover in the event of a medical emergency while you're abroad due to illness, injury or death.
£10m£12.5m£15m
Cancellation

Cover for your costs if you have to cancel your trip due to an accident or illness.
£3,000£5,000£7,500
Curtailment and loss of holiday

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
Personal possessions

Cover if possessions such as baggage, clothing and backpacks were lost, stolen or damaged during your trip. Single item limits apply.
£1,250£2,000£3,000
Standard gadget cover

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

Cover for the loss or theft of personal money. This includes cash, traveller's cheques, and pre-payment cards.
£500£750£1,000
Legal costs and expenses

£25,000£25,000£25,000
When you make a claim, the excess you’ll pay depends on the level of cover you choose. The amounts in this table are per person and per claim.£100£75£50

With all our policies you get

24/7 worldwide medical assistance

Whenever and wherever you need us, help is a phone call away.

Online portal

Make a claim, update your details and renew your annual multi-trip policy from anywhere in the world.

Optional cover for the extras too

Choose from our optional extras to cover your gadgets, cruise, winter sports or car hire excess. Terms and fees apply.

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 insurance

Do 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

Our cover is subject to certain conditions and exclusions. Before you apply, take a look at all the insurance benefits, to make sure this policy is right for you.

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.

NumberCost
03 numbersSame as calls to 01 or 02 numbers and they are included in inclusive minutes and discount schemes in the same way.
084 numbersMaximum of 7p per minute, plus your phone company's access charge.
087 numbersMaximum of 13p per minute, plus your phone company's access charge.
0800 numbersFree from UK landlines and personal mobile phones.

Terms & conditions

Travel Insurance - Virgin Red Points Offer - Effective from 25.05.22

  • Virgin Red Members who:
    • are 18+;
    • are resident in the UK;

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 30 June 2025 for codes received via email after 31 October 2024
    • until 31 December 2024 for codes received via email after 5 February 2024
    • until 1 May 2024 for codes received via email after 1 August 2023
    • until 1 September 2023 for codes received via email after 24 January 2023
    • until 30 April 2023 for codes received via email up to 23 January 2023
  • 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:
    1. the points don’t have a cash value and they can’t be swapped for cash;
    2. the available offers can change from time to time; and
    3. 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 SC001111.
  • Our registered office is 177 Bothwell Street, Glasgow, G2 7ER.

Need help?

Virgin Money Travel Insurance is promoted by CYB Intermediaries Ltd, registered at Jubilee House, Gosforth, NE3 4PL (Company No: 04056283) who is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 305065 and administered by Hood Travel Limited, registered in England and Wales No. 08318836 at 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority under Financial Services Register no. 597211. The core elements of Virgin Money Travel Insurance are underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance UK Ltd. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 1 Fen Court, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting http://register.fca.org.uk/