12 month cover
As soon as you take out your annual travel policy, your 12-month period will begin.
1Based on an individual aged 30 taking European cover. Cover starts on 23rd June 2023.
2Accurate as of August 2023
Designed specifically with frequent travellers in mind, annual multi-trip insurance provides affordable cover and convenience for people who go on holiday or travel for business reasons two or more times per year with no maximum limit on how many times you can travel annually.
Instead of buying separate insurance each time you set off, a multi-trip insurance policy will cover every trip you make for 12 months - making it cheaper than taking out a new policy each time you travel. While multi-trip insurance will provide you with cover for the trips you take within the term length, there are policy exclusions, including trips spanning over 31 days. Trips over 31 days will have to be covered by a long-stay policy.
As soon as you take out your annual travel policy, your 12-month period will begin.
Your policy will need to be activated before each trip you take. Not all destinations have the same risks, you will be notified of any excesses or exclusions.
You will be covered for various risks during your trip, be sure to check your policy for any exclusions or additional coverage you may need for different destinations.
If you need to make a claim, your policy will continue until the end of its term.
It’s always worth pausing to think about how often you’ll venture away from home when buying travel insurance – including trips to other parts of the UK.
If you’re likely to travel more than once in the coming year, an annual policy may well save you money. The trick is remembering you already have a policy in place six months later when planning another getaway!"
If you have any medical conditions it is important to disclose them to your insurer, but it may increase your premiums as there may be a higher chance that you'll make a claim.
Additional covers such as cruise cover, winter sports cover, or gadget cover can impact the price of your premiums.
Your travel insurance premiums are likely to increase with age as you develop a higher risk of experiencing accidents, injuries, and illness. Travel insurers usually place travellers into age bands with over 65 travellers often placed in a higher-risk bracket.
Usually, the higher the level of cover, the more expensive your policy is likely to be. Be sure to choose the level of coverage that you need carefully.
The excess is the amount you agree to contribute towards any claims you make in the future. The higher your excess, the cheaper your premiums will likely be, but make sure you can afford the excess if you make a claim.
Where you are travelling can affect premium costs because different destinations pose different risks. Be sure to choose your destination region effectively. For example, if you have no intention to go to the US there is no need for you to get coverage for the states.
Emergency medical expenses: Treatment abroad can rack up some hefty bills. Your cover will be able to help you if you need emergency medical treatment or repatriation.
Lost, stolen or damaged baggage: Covers if your baggage gets lost, stolen, damaged or destroyed.
Personal liability: In the case that you are liable for any injuries, loss of possession or damage to the property of a third party.
Travel accommodation for delays & cancellations: There are many things out of your control that can affect your travel plans. Check your policy to see what cases will be covered
Pre-existing conditions: Usually standard long-stay travel insurance won't cover the cost of treatment abroad for any pre-existing conditions unless you purchase a specialised policy with medical cover.
Trip duration: While you don't have a limit on how many trips you can be covered for during 12 months, your 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 by your insurance. This applies to all types of claims, including claims for medical cover.
Missed departure: Travel insurance won't reimburse you if you miss your flight because you were late. You'll only be covered for missed departure in an emergency.
With MoneySupermarket, you can still get an annual travel insurance policy for a medical condition or if you've ever had a serious illness. Be sure to understand what your policy will cover and any exclusions that are named in your policy. If you have any pre-existing conditions your policy may be more expensive than other policies as insurers see you as more of a risk to make a claim.
You can get covered for your travels all across Europe. Some providers will also include cover for some non-European destinations, such as Egypt.
If you're planning to travel across different continents you can get covered for wherever you decide to go next with worldwide travel insurance. Get cover for almost every country possible!
Worldwide with exclusions to certain countries depending on where your voyage is taking you. These exclusions include the United States, the Caribbean, Canada and Mexico.
We search through leading insurance providers, so you can find great deals to match your needs.
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
Value for money: If you travel more than once a year, an annual policy can work out cheaper for you than taking out single trip cover each time you travel
Convenience: You only need to buy one policy for your trips to be covered for a whole year without having to take out another insurance policy.
UK 'staycation' trips covered: Your insurance will usually include domestic holidays as well as national and international ones.
Age limits: There are upper age limits to many annual multi–trip policies. There are tailored policies for those travelling over 65 or 75 years old.
Cover not tailored to each trip: You will need to pre-select what region you would like your policy to include, The options usually consist of; Europe, Worldwide excluding the USA, Canada, the Caribbean and Mexico, or worldwide cover. This may not be a viable option for a spur-of-the-moment holiday planner.
Cost: If you don't travel enough then an annual policy won’t be cost-effective for you.
Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs.
Optional add-ons, such as gadget insurance can enhance your coverage, however, it’s worth checking whether they're already covered abroad through other policies.
If you travel more than twice a year, an annual multi-trip policy can be a great money-saving option for you, saving you from looking for a new policy each time you travel.
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
Give a few details about you, your travel plans, 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.
Annual travel insurance can work out cheaper for people who take lots of short trips in a single year. It's cheaper in the same way that buying goods in bulk is cheaper: even though your insurer's profit per unit (i.e. each trip you take) is lower, they're guaranteed more money up from, while your chances of making a claim do not increase.
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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