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Annual policies are suited to regular travellers who know they take more than one trip abroad per year. Annual Multi Trip policies avoid the hassle of taking a policy out each time you book a journey and can often save you money! Our annual multi trip policies cover any number of trips up to a maximum of 32 days per trip. A top tip to remember is that cancellation cover is only valid from the start date of the policy, so if you already have a trip booked and want cancellation cover for it, remember to start cover from the day you purchase your holiday.

We also offer a range of optional extras that can be added to your policy, including winter sports travel insurance and cruise travel insurance.

Use our “get quote” button to return a quote for your trip and buy online.

We are able to cover the whole family up to the age of 84. We are also happy to be able to provide cover for customers with pre-existing medical conditions via our online medical screening tool. Click here for more information.


  • Three levels of cover to choose from
  • Cover up to 84 years of age for destinations worldwide.
  • 24 hour helpline available in the case of an emergency
  • Online and telephone claims reporting
  • Baggage cover up to £2,500 dependent on the level of cover taken
  • Airline lounge access in the event of a flight delay*
  • Cancellation cover up to £12,000 dependent on the level of cover taken
  • Medical cover up to £10 million dependent on the level of cover taken
  • Pre-existing conditions covered if you have declared them to us
  • Winter Sports 14 days or 18 days a year annual cover option available dependent on the level of cover taken
  • COVID-19 cover included
  • No administration fees or hidden charges


  • Any claim arising directly or indirectly from any medical conditions which existed before you took out this policy will not be covered unless you have declared them to us.
  • We won’t cover any claim resulting from you being drunk or intoxicated (we don’t expect you not to drink whilst on holiday, but if you drink enough that your behaviour and reactions are affected, we will not cover you).
  • If you travel to places where the Foreign, Commonwealth & Development Office have advised against all (or all but essential) travel, then we won’t cover you being there, with the exception of European Single trip policies, when the FCDO advice is solely in relation to Coronavirus.