Annual travel insurance
Annual travel insurance is a great way to save money if you go on 2 or more trips per year, as it's often more cost-effective than multiple, single-trip policies.
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AAEsureWhat is annual travel insurance and how does it work?
Annual travel insurance is a policy that covers multiple trips over a 12-month period. It's usually better value if you take two or more trips a year, because you don't need to buy separate single-trip travel insurance policies.
It covers you for an unlimited number of trips, but most insurers limit how long each trip can last - usually 31, 45 or 60 days. Longer trips may need specialist travel insurance. You'll need to renew the policy each year if you want ongoing cover.
Choosing the right level of annual cover
When comparing policies, check:
- Trip duration and limits
Always check the maximum duration allowed per trip (often 31 days) and the total number of days allowed outside the country.
- Medical and repatriation cover
Medical cover is one of the most important parts of a travel insurance policy. You may need higher limits if you're travelling to destinations with expensive healthcare, such as the USA.
- Regional cover
Choose cover based on the furthest or highest-cost destination you plan to visit. For example, if you visit the USA once, you'll need a worldwide policy that includes it.
- Cancellation cover
Choose a cancellation limit that covers the total cost of all pre-booked travel and accommodation for your most expensive trip.
- Pre-existing medical conditions
Always declare any pre-existing medical conditions to your insurer, because your insurer could reject a claim if you do not declare them.
- Specialist cover
Check whether you need optional extras for winter sports, cruises or high-value gadgets.
How to compare annual travel insurance quotes
Comparing quotes for travel insurance is quick and easy. We just need a few details from you to get you an accurate quote for the cover you need.
Type of cover
Do you need single-trip and need cover for a few days, annual multi-trip cover for the whole year, or backpacker insurance to cover you for up to 24 months
Personal details
Your name, date of birth and contact details. If you have a pre-existing medical condition, you'll need to disclose it when getting a quote.
Optional extras
Do you want to add cruise cover, winter sports cover or protection for your gadgets while you're away?
What's usually included in your policy?
Most annual travel insurance policies include:
- Emergency medical cover
This includes treatment abroad and repatriation costs.
- Cancellation or curtailment
Cover if you need to cancel or cut short your trip due to unforeseen circumstances.
- Personal liability
This covers costs for damaging property or injuring someone.
- Travel delays and missed departures
This can include cover for delays, cancellations and missed departures.
- Damaged, lost or stolen belongings
Cover for personal belongings and luggage. Check the single-item limit carefully, as you may need extra cover if you're taking expensive gadgets or valuables with you.
Optional extras
You can usually add optional extras for an additional cost, including:
Gadget cover
Extra protection for gadgets such as phones and laptops. This can be useful if your gadgets cost more than the policy’s single-item limit.
Winter sports cover
Extra cover for skiing or snowboarding trips.
Cruise cover
This can include protection for cruise-specific issues, such as missed departures or cabin confinement.
Why a multi-trip policy might save you money
If you travel several times a year, a multi-trip policy is usually more cost-effective than buying multiple single-trip policies.
You also do not need to buy a new policy before every trip, which can save time and help you avoid last-minute price increases.
| Type of cover | Cost |
|---|---|
| Annual multi-tripent | £11.29* |
| Single-trip | £6.81** |
* Cheapest European annual multi-trip policy for 1 adult aged 30 declaring no pre-existing medical conditions - Uswitch data June 2026
**Cheapest single-trip policy for 1 adult aged 30 declaring no pre-existing medical conditions, travelling in Spain for 1 week - Uswitch data June 2026
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Annual travel insurance for specific needs
You may need specialist travel insurance if:
- You have pre-existing medical conditions - You'll likely pay more for travel insurance if you have a pre-existing medical condition. Always declare any medical conditions to make sure you're covered for emergency treatment and trip cancellation.
- You're an older traveller - Many standard policies have an upper age limit between 75 and 80 years old.
- You're going on a longer trip - Check the policy allows trips that are long enough for your travel plans and includes the destinations you plan to visit. You might need long stay travel insurance if you're travelling for longer than a standard policy allows.
- You're going on a cruise - You may need specialist cruise cover. Standard policies may not include things such as missed ports, cabin confinement or emergency medical treatment onboard.
Tips for choosing the best yearly travel insurance policy
To find the right annual travel insurance policy, compare the cost and level of cover offered by different providers. A good annual policy should include high medical cover, suitable cancellation limits and personal liability cover.
You should also check:
- Duration limits
Check the maximum trip length works for your travel plans.
- Geographical scope
Check your destination is included in the policy.
- Existing cover
Check whether your bank account includes free annual travel insurance.
- Policy excessAdd body copy here. Keep it short and clear. Aim for max 250 characters.
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