The FCDO currently advise against all but essential travel. If you travel against the FCDO advice, no cover is available under any of our policies. If your trip is legally permitted, or if you expect travel restrictions to be relaxed by your departure date, click here to see what cover is available.
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Annual travel insurance
If you’re one of those lucky so-and-sos who’ll be going away more than once over the next year, our annual travel insurance could save you time and money.
What is annual or multi-trip travel insurance?
Multi-trip or annual travel insurance is a type of policy that will last the entire year. This means you’re able to go away as many times as you like without needing to worry about getting insured each time. At InsureandGo, we even throw in free cover for your kids and include winter sports cover at no extra cost. Choose between a range of annual holiday insurance policies.
If you’re only planning to go on holiday once this year then maybe our one-off single trip travel insurance would be a better fit.
What am I covered for with annual travel insurance?
All our multi-trip or annual travel insurance policies include:
- Cover for cancellation of your trip
- Over 50 activities covered as standard (see your policy wording for a full list of activities)
- Emergency dental treatment
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
The excess and amount of cover available varies depending on the level of travel insurance you buy. Make sure you have a look at our policy wording to see the full terms and conditions, including what’s covered and what isn’t covered.
Don’t forget that no travel insurance policy covers absolutely everything. Make sure you have a look at our policy wording booklet to see the full terms and conditions, including what’s covered and what isn’t covered.
For cheap travel insurance, our Budget policy will cover you for lost baggage, holiday cancellation costs, medical expenses and legal expenses. If you need a bit more cover for your annual travel insurance, our premium policies cover all of the above, as well as the option to cover pre-existing medical conditions or add optional extras such as cruise or business cover. Black policies, our highest level of multi-trip insurance, have no excess charge applied to claims and offer unlimited medical expenses cover.
Further items, and perhaps more adventurous or extreme sports cover, can be added to your annual travel insurance policy to cover you for your specific needs. If you’re not sure if you’re covered, or want to add something to your policy, feel free to get in touch today!
Annual travel insurance with medical cover
You must declare your pre-existing medical conditions when you buy annual travel insurance. This is because your condition may need to be covered specifically and there may be an extra cost for the cover.
We’ll ask you simple questions about your medical conditions so we can work out what cover we can offer you. Sometimes, we’ll be able to cover your conditions as standard within your annual travel insurance policy at no extra charge. Remember that if you have a condition and don’t declare it, then if anything happens related to that condition while you’re abroad, you will not be covered by your standard annual travel insurance policy.
If your health or medical conditions change during the time your annual travel insurance policy is active, get in touch with a member of our team as soon as possible. Your cover will continue for any trips you booked before the change in your health, as long as you’re not travelling against medical advice and your trip isn’t to get medical treatment abroad (because we don’t cover that). For full details regarding medical restrictions and annual policies, please read your policy documents or have a look at our page on travel insurance for pre-existing medical conditions.
What else is included in our annual travel insurance?
Available destination on annual travel insurance
We offer annual travel insurance policies based on the following destination groupings:
- Europe (plus Egypt, Morocco, Tunisia, Russia and Ukraine)
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
To find out more about the destinations we cover, have a look at our FAQs page.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single trip cover instead, but upgrading your annual multi-trip policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us.
Length of holidays
Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. For travellers aged 65 or under, each individual trip can last up to 31 days for Budget policies, 45 for Silver and up to 90 days for Gold and Black. If you’re aged 66 or over, we can only cover trips of up to 31 days on any of our policies.
We also provide cover for winter sports as standard, with up to 10 days for Budget policies, 17 for Silver and up to 24 days cover for Gold and Black.
We can cover your kids for free!
If you’re going away with your children, we can cover them on your policy at no extra charge, whether you buy an annual policy or single trip cover.
We cover over 50 activities!
All of our travel insurance policies come with cover for over 50 activities and sports as standard, so you can get up to more on your trip.
Age restrictions and travelling alone with annual travel insurance
We think holiday insurance should be available to as many people as possible, that’s why our annual multi-trip policies have no upper age limit. Just remember that, if you’re 66 or older, the longest holiday we can cover you for is 31 days.
Everyone on an annual insurance policy can travel independently, but children under 18 who are travelling alone must be dropped off and picked up by a responsible adult aged 18 or over.
Valuables and equipment
The amount of valuables cover available depends on the policy you choose. Our Budget level multi-trip travel insurance covers valuables up to £100; Silver policies cover £200, Gold £400, and a Black annual policy will insure £600 of your valuables.
If you’ll be taking away something a bit more expensive you can add our valuables extension, giving you £2,000 of cover for your sports equipment, camera, laptop and much more. Check the policy wording for full details of what’s covered with this add-on, and note that there’s a limit of £1,000 per individual item.
Renewals and cancellations
Annual multi-trip auto-renewal service
To make sure you stay covered, we’ll aim to automatically renew your annual multi-trip insurance policy when it runs out unless you ask us not to.
We’ll write to you 21 days before the renewal date of your annual insurance policy, and tell you about any changes to the premium or the policy terms and conditions. If you don’t want your policy to auto-renew, just contact us. You can tell us about any changes to your details or opt out of automatic renewal at any time.
Cancellations and ‘cooling-off’ period
If you decide the policy isn’t right for you and you want to cancel your annual travel insurance, you must write (either by email or letter) to us within 14 days of buying your policy or the date you receive your policy documents, whichever is later.
If you haven’t travelled on the policy or made a claim, cancelling within 14 days means we will refund the policy in full.
All our annual travel insurance policies are available to UK residents (someone who has been living in the UK or the Channel Islands for at least six of the last 12 months) who are in the UK at the time of purchase. We’re sorry but we can’t provide cover to anyone who doesn’t fit this description. To choose the right annual multi-trip travel insurance policy To choose the right annual multi-trip travel insurance policy for you, get a quote online or read our policy documents for more information.