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Travel insurance

Annual travel insurance

Annual travel insurance (or multi-trip travel insurance) covers you for several trips each year. The alternative, single trip travel insurance, will only cover you for one specific trip. Read on to find out more about annual travel insurance and how to get the best deal.

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What are the advantages of getting annual travel insurance?

Compared to single trip cover, multi-trip travel insurance can be:

  • cheaper – if you go on holiday more than once a year, an annual travel insurance policy may be cheaper than buying multiple single trip policies.
  • more convenient – you don’t have to arrange a new policy every time you travel;
  • there when you need it – if you decide to take a last minute holiday, you can rest assured that you’re already covered.

How to choose between single trip and annual travel cover

If you plan to travel abroad twice or more in a year, it could be cheaper to take out an annual travel policy rather than taking out separate cover for each trip, but make sure you compare the different types of policy first to make sure.

If you’ve only got one trip booked and aren’t sure you’ll go away again in the next 12 months, you might prefer to take out a single policy (after all, you can take out another single policy to cover your next trip once it’s booked).

What if I’m travelling for a long time?

Multi-trip travel insurance policies will usually have a limit on the number of days one trip can last, or a maximum number of days they will cover. This is usually 30-31 days, but this can differ by policy. So if you’re a jet-setter who’s on holiday more than you’re at home, you might have to take out specialist backpacker cover or consider single trip cover each time you travel.

How much does annual travel insurance cost?

Just like single trip cover, the cost of multi-trip travel insurance can vary greatly depending on many factors, including:

  • Your age
  • Where you are travelling
  • The type of policy you choose (single, joint or family cover)
  • Pre-existing medical conditions
  • Excess
  • Cover limits
  • Extra cover for sports or activities

The easiest way to find out how much your policy will cost is by doing a quick quote online. But as a guide, an annual travel insurance policy could cost just a little more than cover for a single trip, meaning it could be very economical if you go away a few times in a year.

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How to choose an annual travel insurance policy

While annual travel insurance can help you save money compared to buying lots of single trip policies, it’s important to find the right cover and not just base your choice on price. Here’s a list of things to check before you buy your travel insurance policy:

  • Do you need worldwide or European cover? (You may be able to extend European cover to worldwide later if you need to.)
  • How many days’ travel will you be covered for in total, and for each individual trip?
  • What’s the maximum amount of money you can claim if your baggage is lost or stolen? (The level of baggage cover.)
  • What’s the maximum amount of money you can claim for valuables, e.g cameras and jewellery? Is this limit high enough to cover your valuables?
  • Does your home insurance cover your belongings when you’re away from home? If so, you might not need cover for your valuables and baggage.
  • What’s the maximum amount of money you can claim if your cash is lost or stolen?
  • Will you get compensation if your holiday is cancelled or cut short? This is known as cancellation and curtailment cover
  • Have you declared any pre-existing medical conditions? (If you don’t declare any illnesses your claim could be rejected.)
  • Is the policy open to people of your age?
  • Are there any exclusions?
  • What’s the excess? (The excess is a set amount that you’ll have to pay if you make a claim. A higher excess could mean your policy is cheaper, but you would have to pay more if you need to claim.)
  • Does it cover you for any activities you might want to do, like skiing, rafting or diving? Even if you don’t plan to do these activities now, bear in mind you may want cover for later trips

Most of this information is available when you get a quote online, so you can easily find the right policy for your needs.

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