Cruise cover
Covers multiple countries, cabin confinement, missed departure, unused excursions, and emergency airlift.
Annual travel insurance
Compare annual travel insurance.
Quotes from £14.31
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Compare holiday insurance quotes from 59^ trusted UK providers
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:
What is annual travel insurance?
Designed with frequent travellers in mind, annual travel insurance (also known as a multi-trip travel insurance policy) 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
Most annual travel insurance policies cover an unlimited number of trips, but will have a maximum length limit per trip (usually 31 days). For trips over 31 days, you should consider a long-stay travel policy.
How does annual travel insurance work?
Instead of buying a separate round of travel insurance cover every time you set off, a multi-trip policy will cover all of your travel plans 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 specific to your destination
If you need to make a claim, your policy will continue until the end of its term
What does multi-trip travel insurance cover?
🚩 What’s covered can vary depending on your provider and policy. Always check your insurance documents.
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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.
Cancellation cover: If your holiday is cancelled for reasons out of your control, your policy may cover the cancellation costs.
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Not covered
Pre-existing conditions: Unless it's a policy with medical cover, most travel insurance won't cover medical care 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 a set limit, usually 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.
Extreme sports: There are many excursions, water sports, and extreme sports (including winter sports) that your policy may not cover as standard.
How much does annual holiday insurance cost?
💡 Top tip: You can generally get the best prices by comparing providers.
Average cost of multi-trip travel insurance
£51^
Cheapest cost of multi-trip travel insurance
£14
.31^
What add-ons can I include in my annual travel insurance?
Most insurance providers offer options for you to adjust your policy to get the cover you want.
Some common add-ons you can find are:
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Golf cover
Covers theft of golf clubs, replacement club hire, non-refundable green fees, personal liability, and damage to a third party.
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Winter sports cover
Covers skiing/snowboarding, including mountain rescue, piste closures, lost lift pass, avalanche disruption, and activities such as sledging and snowmobiling.
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Adventure sports cover
Covers adrenaline-inducing activities such as bungee jumping, skydiving, zip-lines, caving, horse riding, and mountaineering.
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Business travel cover
Covers business equipment, company money, and alternative travel or accommodation for schedule changes.
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Gadget cover
Extra cover for expensive gadgets and electronics, such as phones or laptops.
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Excess waiver
Standard travel insurance will come with an excess – an excess waiver pays this for you, so you receive 100% of any claim amount.
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Backpackers insurance
Cover for extended trips including multiple destinations.
What are the advantages and disadvantages of multi-trip insurance?
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Advantages
More cost effective than purchasing multiple single-trip policies
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)
Can also cover UK getaways
Can cover worldwide destinations
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Disadvantages
You will usually have a trip length limit per trip you take (usually around 31 days)
May be more expensive than single trip travel insurance if you don’t travel often
There are often upper age limits (typically over 75)
Our expert says…
Budget flights have opened up the world, so many of us now enjoy several holidays in a year. According to the Office of National Statistics us Brits made an estimated 94.6million visits abroad in 2024, with data suggesting that the average traveller takes three to four holidays per year including domestic and international trips.
If you like to travel an annual multi-trip insurance policy makes the most sense and will most likely save you money. Multi-trip travel insurance costs from just £14.31
^ , leaving you with plenty of cash for holiday shopping.
Katie Bishop Insurance writer
Why should I compare annual travel insurance quotes with MoneySuperMarket?
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We're trusted
All our 59
^ travel insurers are authorised and regulated by the Financial Conduct Authority (FCA) -
Rated 4.7/5 on Feefo
We're also the UK's most recommended price comparison website
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Buy through us and get up to £5
^ , plus other SuperSaveClub rewards -
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Can I get annual travel insurance if I have a pre-existing medical condition?
Yes, you can get annual travel insurance with an existing medical condition. Due to the perceived increased risk of a medical emergency, your policy may be more expensive compared to others, but our comparison tool can help you find the best deal from a range of leading insurers.
What do I need to provide to get an annual travel insurance quote?
You will be asked a few lifestyle questions, what regions you would like your travel insurance to cover, and about any pre-existing medical conditions that you may have. If you have any medical conditions, you will be asked further questions.
When does a yearly travel policy start?
The start date you chose for your policy 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.
Will I need extra travel insurance for activities?
Which activities are included in your annual travel policy will depend on your provider. You will usually need to add-on extra cover or take out a specialist policy if you plan to do any higher-risk activities such as:
Hiking at high altitude or using specialist equipment
Who can be covered under an annual travel insurance policy?
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 together often.
What is travel insurance excess?
The excess on your annual travel policy 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.
Do I need annual travel insurance if I have a GHIC or EHIC?
You still need travel insurance if you have a Global or European Health Insurance card (GHIC or EHIC). This is because although a GHIC will cover you for state healthcare if you have a medical emergency during your trip, it won’t cover some treatments, medical repatriation, or things like trip cancellation. Whether you choose multi-trip insurance or single-trip insurance is up to you.
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Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
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No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is travel insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy travel insurance through MoneySuperMarket.
This includes:
Up to £5
^ , which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.ukFree Days Out pass (worth £180), which gives free entry to a range of UK attractions (you must download our app to get this)
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is travel insurance eligible for Price Promise?
Yes, travel insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 12 Dec 2025 by
According to Simply Business data, 10% of customers paid £14.82 or less monthly for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Aug - 31st Oct 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
accurate as of Sept 2025
According to Simply Business data, 10% of customers paid £177.81 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Aug - 31st Oct 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £252.18 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Aug - 31st Oct 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 10% of customers paid £199.22 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Aug - 31st Oct 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £293.84 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between1st Aug - 31st Oct 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly