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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 can 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 kids and include winter sports cover at no extra cost. Choose between a range of annual holiday cover 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 is included in our annual travel insurance?

Length of holidays

Our annual multi-trip travel insurance gives you cover to travel as many times as you like during the year. Each single trip can last up to 31 days for budget policies, 45 for Silver and up to 90 days for Gold and Black. 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 for Gold and Black.

Just to let you know: If you’re aged 66 or over, we can only cover you for trips of up to 31 days.

Age restrictions and travelling alone with annual travel insurance

We have no age restrictions for our annual multi-trip insurance.

Everyone on an annual multi-trip 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.

Available destinations on annual insurance

We offer various levels of cover on our annual travel policies based on the following destination groupings:

  • Europe (plus Egypt, Morocco, Tunisia, Russia and Ukraine)
  • Worldwide (except the USA, Canada and the Caribbean)
  • Worldwide

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 destination but are now going to be travelling outside that area, we’ll upgrade your cover to include that destination. You could also purchase separate single trip cover, but upgrading your annual multi-trip policy to include worldwide cover can often work out cheaper.

If you’d like to discuss these options, please get in touch with the customer services team on 0330 400 1383.

If you’re unsure which area your trip falls into, contact our customer services team by phone or by using our contact form.

Annual travel insurance with medical cover

You must declare your pre-existing medical conditions when you buy annual travel insurance. We’ll ask you simple questions about your conditions so we can work out what cover we can offer you. Sometimes, we’ll be able to cover your conditions as standard, but sometimes you might need to pay a bit extra. If we say you need to pay a bit extra, you can still choose to exclude cover for those conditions.

If your health or medical conditions change during the time your insurance is active, call us as soon as possible on 0330 400 1213.


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 or if your trip is to get medical treatment abroad (because we don’t cover that).

For full details regarding any medical restrictions, please read your policy documents or have a look at our page on travel insurance for pre-existing medical conditions.

Valuables and equipment

Our most basic multi-trip travel insurance cover insures valuables up to £100. If you need more than that, we not only offer valuables extension cover but also specific sports equipment cover.

What else am I covered for?

All our annual multi-trip 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
  • Airline failure cover

The excess and cover available varies depending on the level of insurance you buy.

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 annual 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, our premium policies cover all of the above, as well as the option to cover pre-existing medical conditions, optional cruise cover, no excess charge and unlimited medical expenses cover.

Further items and activities can be added to your annual travel insurance policy, so you’re covered 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 by calling us on 0330 400 1383.

Renewals and cancellations

Annual multi-trip auto-renewal service

To make sure you’re still covered, we automatically renew your annual multi-trip policy when it runs out unless you ask us not to.

We’ll write to you 21 days before the renewal date of your insurance, 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 call us for free on 0800 083 6237. 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 your policy isn’t right for you and you want to cancel your 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.

If you’ve got an annual multi-trip policy and you’ve travelled or made a claim before you asked to cancel the policy, we may only refund part of the premium. If you haven’t travelled or made a claim and you wish to cancel the policy within 14 days of receiving your policy documents, we’ll give you a full refund. If you cancel after 14 days of getting your documents, we won’t be able to give you a refund.

Other information

All our annual multi-trip 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). 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 for you, get a quote online or read our policy documents for more information.

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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.

Useful bits

24 hour medical assistance
+44 (0)207 748 0060

Customer services
+44 (0)207 748 8593

We do pet insurance now too

So if you've got a cat, dog or rabbit that needs insuring, get them covered today.

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