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.
- 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.
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 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.
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.
| Defaqto rating | Red | Silver | Gold |
|---|---|---|---|
| Emergency medical and repatriation More info Cover in the event of a medical emergency while you're abroad due to illness, injury or death. | £10m | £12.5m | £15m |
| 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 |
| Curtailment and loss of holiday 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 |
| Personal possessions More info 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 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. | £500 | £750 | £1,000 |
| 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 |
| 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 |
Upgrade your cover
Pay a little more and extend your travel insurance with our optional add-ons:
Winter sports insurance provides cover for:
- emergency medical treatment caused by taking part in a winter sport
- the delay, loss, theft or damage to your ski equipment
- ski pack expenses
- piste closure
- avalanche closure
This is for activities and risks associated with going on a cruise. You won’t be covered for cruises unless you add this to your policy. With this cover you get:
- increased cover for your personal possessions
- cover for if you’re confined to your cabin
- cover for missed excursions and cruise itinerary changes
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 or deposit 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
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.
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.
| 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 94 daysThis is dependent on the level of cover you choose. of worldwide 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 94 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.
Typically an unlimited number of trips within 12 months period, 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 - 94 days