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Super Save with annual cover from £10.95[2]Based on an individual aged 30 with no pre-existing medical conditions, taking European cover. Cover starts on 11th January Moneysupermarket data correct as of 08 January 2025.
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We’re dedicated to finding you a great deal on your travel insurance, that's why we compare deals from a huge range of leading travel insurance providers, including:
Designed with frequent travellers in mind, annual travel insurance - also known as multi-trip travel insurance - covers you for several trips abroad in the space of a year.
A policy can save you money and hassle if:
You go on holiday more than once a year
You frequently travel for business
You don't stay abroad for over 31 days - this would require a long-stay travel policy
Instead of buying a separate round of travel insurance every time you set off, a multi-trip policy will cover every trip you make for 12 months.
Your 12-month period will begin as soon as you take out your annual travel policy.
Your policy will need to be activated before each trip you take.
You will be notified of any excesses or exclusions based specific to your destination
If you need to make a claim, your policy will continue until the end of its term.
Travel insurance policies cover various things and each policy varies in the way they're underwritten, influencing coverage and features. Be sure to check your policy documents for what is included and excluded from your annual policy. However, typical inclusions are:
Emergency medical expenses: Your cover will be able to help you if you need emergency medical treatment or repatriation.
Lost, stolen or damaged baggage: Covers your baggage if it gets lost, stolen, damaged or destroyed.
Personal liability: If you are liable for any injuries, loss of possession or damage to the property of a third party.
Travel accommodation for delays and cancellations: In the event of transport problems or other issues. Check your policy to see what cases will be covered.
Covid-19: Medical treatment and cover for covid is usually included with most travel insurance policies
Cancellation cover: If your holiday is cancelled for reasons out of your control, your policy may cover the cancellation costs
Pre-existing conditions: Unless it's a policy with medical cover, most travel insurance won't cover treatment abroad for pre-existing conditions.
Trip duration: While you can make as many trips as you like within 12 months, an annual policy will not cover trips that span over 31 days.
Drugs and alcohol: Any incidents relating to drugs or alcohol are unlikely to be covered, including claims for medical cover.
Missed departure: Travel insurance won't reimburse you if you miss your flight because you were late, unless it was due to an emergency.
Winter sports: There are many excursions, water sports and extreme sports, including winter sports that your policy may not cover as standard
There are many advantages and disadvantages of taking out an annual multi trip policy. Here are a few to consider:
More cost effective than purchasing more than one single-trip travel insurance policy
You can travel all year long without continuously shopping for a new policy each time (as long as your destination is covered in your policy)
A multi-trip policy can also cover UK getaways
You can get cover for worldwide destinations
You will usually have a trip length limit per trip you take. This is usually around 30 days. Any trip over 30 days will need a long stay travel insurance policy
If you don't travel often, an annual policy may be more expensive than single trip travel insurance
There are often upper age limits ( typically over 75)
An annual policy could be quite expensive if you have a pre-existing condition
"Budget flights have opened up the world, so many of us now enjoy several holidays in a year. So, if you like to travel multiple times in a year – an annual multi-trip insurance policy makes the most sense and will most likely save you money. According to the Office of National Statistics us Brits made 15.3 million visits abroad in 2023, a 59% increase from 9.6 million the previous year. Multi-trip travel insurance costs from just £10.01*, leaving you with plenty of cash for holiday shopping."
*Based on an individual aged 30 taking European cover starts 22 April 2024
Jake Edmonds Insurance Expert
At MoneySuperMarket, we also compare annual travel insurance policies covering medical conditions, even if you've had a serious illness in the past.
Due to the perceived increased risk, your policy may be more expensive compared to others but our comparison tool will help you find our best deal from a range of leading insurers.
Before purchasing, make sure to thoroughly understand your policy's coverage and exclusions to ensure adequate protection for your condition and avoid the risk of invalidating you policy should you require treatment while traveling.
You can add several additional covers to your annual travel policy, such as:
Travel gadget cover: In case your electronics are lost, stolen, or damaged
Winter sports cover: To cover injuries from sports such as skiing or snowboarding
Cruise travel insurance: For unique issues associated with cruises, such as departure cover for every port
Trip disruption insurance: For compensation following events outside of your control, such as public transport breakdowns
You can also add or check for optional features for special scenarios, including:
Travel delay cover
Golf cover
Business cover
Wedding cover
Airline failure cover
It's important to choose a travel insurance policy that covers your needs. Here are a few steps you can take to find the right cover at the right price:
Comparing quotes from several providers at once makes it easier to find the best discounts and features that meet your needs
Grouping family members or multiple travellers under one policy may be cheaper than taking out separate cover for each person
Choosing a higher excess can help reduce your premiums. However, if you do have to make a claim, you will have to pay more toward it
Optional add-ons can enhance your coverage, but it’s worth checking whether they're already covered by other policies
Keep up to date and find out all you need to know with our latest guides.
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Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
You will be asked a few lifestyle questions, what regions you would like your travel insurance to cover and any pre-existing medical conditions that you may have. If you have any medical conditions, you will be asked further questions.
The date you chose for your policy to start from is when your 12-month period will begin. You will be covered for as many trips as you like within the year but you'll usually be limited to less than 31 days per trip.
Your policy will cover you for many things during your holiday depending on your level of cover. If you do not purchase the extra cover with your annual policy and you are going on a cruise, ski holiday or you need gadget cover, then you will need to add on extra cover separately.
You can have an annual insurance policy for yourself or a joint travel policy with your partner, you can also get travel insurance for the whole family under one policy. If you travel without your family but still with more than two people you have the option to take out travel insurance for a group if you travel often together.
The excess is the amount you volunteer to pay for each claim you make. Usually the higher the excess, the cheaper your premium price but you need to make sure you can pay the excess amount in the event of any claims.
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