HomeTravel InsuranceAnnual travel insurance

Annual travel insurance could save you time and money if you’re going away more than once this year. Fly off as many times as you like without having to worry about getting insured for each trip. That’s one less thing to think about when planning your next holiday!

What is annual travel insurance and do you need it?

Annual holiday insurance is one policy that covers you for every trip you take over 12 months. It gives you a whole year of protection on your holidays, meaning you’re covered if you have a medical emergency or someone steals your belongings. 

You tell us the areas you want to travel to and any activities you want included, then we provide the right policy for you. What’s more, we offer family annual holiday insurance, cover for extreme sports, and business travel policies.

Make sure you check the policy wording to see the full terms and conditions and details of what is and isn’t included. 

Is it better to get annual travel insurance?

It is often cheaper to get annual trip insurance than to buy two or more single trip policies over a year. 

If you’re only planning on going away once, you may find that our single trip travel insurance is better for you.

How does annual travel insurance work?

Annual holiday insurance works by providing cover for multiple trips over a one-year period. Buy your policy before you travel and you don’t have to let us know when you set off on your next adventure. You’ll only need to get in touch if your medical situation changes, or if you want to travel outside of your chosen area.

If you do need to make a claim when you’re away, the policy remains in place for any future trips within the 12 months it covers.

What does InsureandGo’s annual travel insurance cover?

It’s important to choose the right annual travel insurance for you, find out what is and isn’t covered with our policies:

What’s covered?

All our yearly holiday insurance policies include:

Find out about our optional add ons for activities like extreme sports, winter sports, cruises and golf. We will consider all pre-existing medical conditions, find out more about medical travel insurance.

The excess and amount of cover available varies depending on the level of annual travel insurance you buy. Make sure you check the policy wording to see the full terms and conditions, including what is and isn’t covered.

What’s not covered?

We aim to provide as much cover as we can on our policies. However, there are some situations no travel insurance will cover. For example:

To check the policy exclusions and what is and isn’t included, take a look at our policy wording.

The best annual travel insurance for your trip

We can help you tailor your travel insurance to suit your holiday style, whether that’s setting sail, teeing off or hitting the slopes. Whatever adventures await, we can provide additional cover for a range of activities to make sure you have the best multi-trip cover:

Which destinations are covered by our annual travel insurance?

We offer yearly holiday insurance policies for the following areas: 

If you already have an annual policy and are now travelling further afield, you can upgrade your cover. Or you can buy single trip cover for that specific trip outside your region.

To discuss your options, or ask us any questions regarding which area your trip falls into, get in touch

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.

How to book your annual multi-trip travel insurance

We know your planning to-do list for your next holiday can be long. So we make getting annual travel insurance as simple as possible:

1 . Share a little info about your trips

This includes who you want to cover and when you want the policy to start.  We will also ask you about any pre-existing medical conditions.

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will show you your quote. At this stage you can go ahead and buy your policy, or save the quote for future.

Annual travel insurance with pre-existing medical condition cover

You must declare your pre-existing medical conditions when you buy annual travel insurance. We will ask you some simple medical screening questions to determine your quote. 

If you don’t declare your medical conditions, if anything happens related to that condition while you’re abroad, you won’t be covered and may be liable for the medical costs.

If your health changes during the time your annual travel insurance policy is active, get in touch as soon as possible. For full details, read your policy documents or our page on pre-existing medical conditions.

Frequently asked questions on annual multi-trip travel insurance

Is annual travel insurance cheaper than single trip?

If you’re planning on going away more than once in the coming year, it’s often cheaper to buy an annual travel insurance policy. However, if you only have one holiday planned, our single trip travel insurance may be better for you.

When does annual travel insurance start?

Annual travel insurance covers you from the date you choose when buying the policy. Unlike a single trip policy, which covers cancellation from the moment of purchase.

We recommend starting the policy as soon as you have booked your trip, or as soon as your current policy expires.

Does annual travel insurance automatically renew?

Once you’ve had your travel insurance for a year, we’ll make sure you stay covered by automatically renewing your policy (unless you ask us not to).

We’ll write to you at least 21 days before the renewal date, 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, contact us. You can tell us about any changes to your details or opt out of automatic renewal at any time.

Can I cancel my policy?

If you decide the policy isn’t right for you, you can cancel your annual travel insurance during the ‘cooling-off’ period. 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.

How much does annual travel insurance cost?

The cost of an annual travel insurance policy depends on many factors, including:

  • Where you’re travelling to
  • Any pre-existing medical conditions
  • Your age
  • The right level of policy cover for you
  • Any policy add-ons you need 

It is quick and easy to get a quote online or call us on 0808 281 0594.

How long does annual travel insurance last?

An annual travel insurance policy will last 365 days, covering unlimited trips to your chosen region. Find out how long each trip can be below.

How long can I stay abroad on an annual policy?

Each individual trip can last up to 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days per trip for Black policies. If you want to be abroad longer than this, you’ll need our long-stay travel insurance.

How many times can I travel on an annual policy?

As many times as you like! Our annual travel insurance covers you for unlimited trips over the one year period. Don’t forget, there’s a limit on how long each trip can be: 31 days for Budget policies, 45 days for Silver and Gold policies, and up to 55 days for Black policies.

How many times can I claim on annual travel insurance?

Under your policy, you will be protected on each trip you take. This allows you to submit a claim each time you travel, regardless of the number of trips you’ve taken, or if you’ve previously claimed on this policy before.

Does annual family travel insurance cover individuals?

Yes, all adults on a yearly family travel insurance policy can travel independently. Meaning you can use the same policy to cover trips without your family within the same region. Children under 18 need to be travelling with an adult named on the same policy as them in order to be covered.

Does annual travel insurance cover cancellation?

Yes, all of our annual multi trip insurance policies cover cancellation of your trip, up to £10,000 per person on Black policies, for certain reasons outside of your control.

You cannot claim if you cancel because you changed your mind and don’t want to travel, but you may be able to claim if you cancel due to a medical condition following the advice of a medical professional. 

Please read our policy documents for more information and full details of what is and isn’t included under cancellation cover.

Is a GHIC card enough to cover annual travel insurance?

It’s important to also have travel insurance in place for your trip. EHIC and GHIC cards do not cover all medical costs, including medical repatriation, and the scheme doesn’t include all countries. Find out which are included on the NHS website

Travel insurance will also provide protection for things like unexpected cancellation of your trip, legal expenses or the loss or theft of your belongings. Buying a travel insurance policy, even when going on holiday in a country covered by the GHIC card, is recommended for these reasons.

Who can buy an InsureandGo annual multi-trip policy?

All our annual travel insurance policies are available to UK residents. This means:

Get a quote online or browse our policy documents for more information

  1. Unlimited emergency medical expenses available on Black level policies.
  2. InsureandGo’s Gold achieved a Which? Best Buy.