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Annual travel insurance

Compare quotes on yearly cover and get rewarded

  • Compare tailored quotes from leading UK insurers

  • Super Save with annual cover from £9.92¹

  • Access rewards on SuperSaveClub with your purchase²

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4.7 out of 517,663 reviews
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Compare holiday insurance quotes from 42 trusted UK providers3

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:

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1Based on an individual aged 30 taking European cover. Cover starts on 1st April 2024.

2Restrictions and T&Cs apply, click here for details.

3Accurate as of April 2024

What is annual travel insurance?

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:

How does it work?

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.

What’s covered?

Travel insurance policies vary in the way they're underwritten, influencing coverage and features. However, typical inclusions are:

  • Tick

    Covered

    • 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.

  • Cross

    Not covered

    • 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.

Important considerations when choosing annual multi-trip cover

  • How much is yearly cover?

    With MoneySuperMarket annual multi-trip insurance starts from £9.854, though costs can vary based on factors like pre-existing conditions, your age, cover level, excess, and destination

  • Is multi trip insurance cheaper than single?

    Generally, yes, it's cheaper if you make more than one trip per year. Even though your insurer's profit per unit (i.e. each trip you take) is lower, they're guaranteed more money up front.

  • Does family annual travel insurance cover individuals?

    It depends. In some cases, a family annual travel insurance policy will cover individuals travelling independently - but not always. Check the policy before you sign up.

  • Is multi trip travel insurance worth it?

    If you will be travelling abroad more than once in the coming 12 months, then yes - there's a good chance that taking out annual travel insurance will be worth it. It's more convenient, and may save you money.

4Based on an individual aged 30 taking European cover. Cover starts on 15th January 2024.

Kate Hughes

Our expert says

"

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!

"
- Kate Hughes, Money & Savings Expert

Compare annual cover for medical conditions

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.

Tailor your quote to a choice of destinations

Before you head off, activate your annual policy and specify where you are going. Destinations can include:

  • European Travel Insurance

    Get covered for travels across Europe. Some providers will also include cover for some non-European destinations, such as Egypt.

  • Worldwide Travel Insurance

    Travelling across different continents? You can get covered for wherever you decide to go next with worldwide travel insurance - covering almost every country possible.

  • Worldwide - with exclusions

    Travel worldwide, with exclusions to certain countries depending on where your voyage is taking you - including the United States, the Caribbean, Canada and Mexico.

Add extras to your policy

You can add several additional covers to your annual travel policy, such as:

You can also add or check for optional features for special scenarios, including:

  • Passport cover

  • Travel delay cover

  • Hospital benefit cover

  • Legal expenses cover

  • Missed departure cover

  • Mugging cover

  • Abandonment cover

  • Hijack cover

  • Golf cover

  • Business cover

  • Wedding cover

  • Airline failure cover

SuperSaveClub

Earn rewards and perks when you buy Car, Home, Annual Travel Insurance or Broadband through us. From unlimited access to free days out at thousands of venues nationwide to rewards every time you buy and discounts at top brands. Buy via us today to unlock your membership.

T&C’s and restrictions apply

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How to find the best deals on annual travel insurance

It's important to choose a travel insurance policy that covers your needs. Cheapest isn't always best but there are steps you can take to find the right cover at the right price:

  • Compare quotes

    Comparing quotes from several brands at once makes it easier to assess whether the price and features meet your needs

  • Get a group policy

    Grouping family members or multiple travellers under one policy may be cheaper than taking out separate cover for each person

  • Increase your excess

    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

  • Consider optional extras

    Optional add-ons can enhance your coverage, but it’s worth checking whether they're already covered by other policies

Compare Travel Insurance with MoneySuperMarket

At MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:

  • Flexible to suit your plans

    Get fully comprehensive cover for as long as you need it, whether that's one day or a few months

  • Quick and easy to use

    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.

  • Save money

    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.

Travel insurance comparison rated highly by our customers

At MoneySuperMarket, our mission is to help you Super Save on travel insurance. We offer a simple, hassle-free way to compare quotes from a wide range of insurers and our useful information and guidance will help you choose our best policy for your needs.

Join the thousands of satisfied customers who have highly rated our travel insurance comparison service.

Based on 17,663 reviews
our customers rate us

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Ready to compare quotes? Here's what to do next

  • Tell us about yourself

    Give a few details about you, your travel plans, and what you need cover for

  • We’ll do the legwork

    We’ll put together a list of travel insurance quotes, so you can pick one that works for you

  • You’re on your way

    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.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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