Modified on 2nd Dec 2019

Annual multi-trip travel insurance

Annual cover can save you money if you take more than one or two holidays a year and an ideal solution for those that take frequent holidays and last minute breaks. However, having pre-existing medical conditions, or being over the age of 60 can make it harder to obtain.

But do not fear, our panel of specialist travel providers are sympathetic to the needs of mature travellers and those with medical conditions, and if annual travel insurance is available for your individual circumstance, we're confident you will find a policy here at Medical Travel Compared.

Annual cover for pre-existing medical conditions

When it comes to covering pre-existing medical conditions, the parameters on annual multi trip cover can be tight. From a travel insurer's perspective, they will want to ensure your medical conditions are stable and well managed before they agree to offer a 12 month policy. And whilst a wide range of medical conditions will be accepted for cover, for those of you who have received a recent diagnosis, recovering from a surgical procedure, on a waiting list for treatment or under medical investigation, it's unlikley that annual cover will be available to you at this moment in time. 

Please be aware, the majority of travel insurance providers have an on-going medical warranty, which means you are required to inform them if you have a change in health or medication during the life of your policy. This is so they can update their records and ensure you have the right level of cover in place for any future trips. Failing to report any changes could invalidate your policy.

When to purchase annual travel insurance?

You may not want to start your annual policy yet as you're not travelling for a while and you want to get the most value from your 365-day cover. However, doing this can leave you without any cover for cancellation. Unlike single trip cover where you are covered for cancellation from the moment you pay for the policy, cancellation cover on annual policies does not kick in until the policy start date. If you have any holidays booked, it's wise to start your annual policy on the same day you pay for it! It's also worth knowing that some insurers will not offer quotes for annual multi trip insurance if you want the start date to commence more than one month in advance. 

Multi-trip travel insurance types

Individual, Couple and Family policies can be arranged through Medical Travel Compared, and once you have informed us who the policy is for, it’s simply a case of selecting the destination option that will cover all the places you intend to visit – choose from ‘Europe’, ‘Worldwide excluding USA, Canada, Mexico, and Caribbean’ and ‘Worldwide (this will include USA, Canada, Mexico, and Caribbean).

Normally, with family annual travel insurance, adults are permitted to travel alone or together without the children, but one adult insured on the policy must accompany a child. It’s worth clarifying this directly with the insurance provider as terms and conditions can vary.

When applying for cover, also check that the maximum duration per trip is enough to cover the length of any long stay holidays that you’re planning. For example, if you’re going away for 45 days, and the policy terms state 31 days per trip, it will not fully cover you and you may want to look at other options or even single trip cover.

Everyone insured on an annual policy must also live at the same address. 

Finding cheap annual travel insurance

Medical Travel Compared searches over 40 specialist travel insurance providers to find you the best deals. When using our comparison tool, we will list available policy options that match your criteria in price order. But please remember, the cheapest option may not necessarily be the best for your individual circumstance, so we urge you to check the summary of cover detailed with each quote.

Frequently Asked Questions

The number of trips is not limited on an annual policy so you can go away as many times as you want!

With annual trip cover, some insurance providers will have a maximum number of days that you will be covered for during the year so always check your policy wording. The maximum duration of a trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!

Depending on whether you select European or Worldwide cover, your insurance provider will cover most countries within that area. However, there may be some countries that your insurance provdier will be unable to cover you cover for, including any countries which the Foreign & Commonwealth Office have advised it is unsafe to travel to. Always check your policy wording if you are unsure if your country will be covered.

Some insurance providers will have age limits on their annual trip cover. If you are finding it difficult to get annual trip cover, we would reccomend trying a single trip quote, as you are more likely to find cover this way.

A pre-existing condition is a diagnosed medical condition that existed prior to taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the travellers conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditons you need to declare, we have online support available to help you 24/7!


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