Annual Travel Insurance

If you are a regular traveller, you might find that you get a better deal from an annual travel insurance policy, rather than taking out a new policy each time you go away. You also have the added convenience of having one less thing to worry about when you travel each time. There are various restrictions when you take out an annual travel insurance policy, for example you cannot usually travel for more than 90 days at a time (sometimes less), you are only covered for certain sports and activities and you will need to remain in the geographical area for which you are covered (you can choose a worldwide policy, however).

There are certain things that you should expect from any annual travel insurance, regardless of the price. You should be covered for medical emergencies, personal liability, repatriation and legal costs, and should usually expect to have flight cancellations, lost baggage and trip curtailment. Usually an excess will apply to most of these features, which means that you will have to pay an initial amount (detailed in the policy) before the insurer will pay out for a claim. On top of these basic features, annual travel insurance policies are often modular, enabling you to include winter sports, business equipment and sports equipment. If you are unsure about the features included in your annual travel insurance policy, carefully read the small print, and then call the insurer if your question has still not been answered. It's essential that all your needs are covered, since paying for medical expenses, lost baggage and flight cancellations can be extremely expensive.

Get Comprehensive Annual Travel Insurance for only £20!

Points to Consider when Comparing Travel Insurance

• Age restrictions. Some annual travel insurance policies will only insure you up to a certain age.  If your birthday falls during the insurance policy term, you should double-check that you're still covered or whether you need to update the policy. This is particularly relevant for a multi-trip or annual travel insurance policy.
• Winter sports. You will need to pay extra for skiing and other high-risk sports and activities.  The insurer will usually specify which sports and activities they will cover as standard.  If you are in any doubt, ask the insurer.
• Policy Excess. Most travel insurance policies will include excesses, and you will need to pay a small excess per feature you wish to claim for (for example, a £60 excess on a £500 baggage loss allowance).  If you would like to waive the excess, you should expect to pay more for your policy. 
• Pre-existing medical conditions.  These are very rarely covered.  If you need pre-existing conditions covered, you will need a specialised travel insurance policy.