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Annual Multi Trip Travel Insurance

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Buy Your Annual Travel Insurance Today – All Ages, Conditions and Destinations Covered

Save yourself money and time with our Annual Travel Insurance – get cover today.

If you are planning to travel more than once a year, then purchasing annual multi-trip Travel Insurance can save you time and money. A one-off payment will be taken for the full 12 months, for an unlimited amount of holidays, including trips up to 93 days. This is subject to your medical screening, age and T&Cs of the policy.

At Just Travel Cover our specialist underwriters provide annual cover for all ages, even those over 75. Our Annual Trip policies offer cover for hundreds of pre-existing medical conditions as well as certain activities while away. As each insurer terms and conditions will differ, remember to check these before choosing your policy.

Cover and protection for all ages and conditions.

We have established long-term relationships with trusted specialist medical Travel Insurance providers, sourcing you the best levels of cover tailored to your specific needs. We offer a range of Insurance schemes each with Bronze, Silver and Gold levels with varying excesses and cover options, depending on the health and travel requirements of the individual. Peace of mind is at the forefront of our Travel Insurance policies – we want you to enjoy every aspect of your trip.

Changed minds
The cancellation period for a Single Trip Travel Insurance begins the day you purchase your policy. Whereas, the cancellation cover for our Annual Trip Travel Insurance starts the day the policy begins. Every trip is protected within the 12 month period. If you wish to make any amends to your trip, including destination, duration of activities, get in touch and we will alter your policy to reflect these changes.

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Annual Travel Insurance FAQ’s

Frequently asked questions about Annual Travel Insurance

What is Annual Multi Trip Travel Insurance?
Annual Travel Insurance is a policy that provides cover for those who travel more regularly. You pay once for 12 months cover and you’re covered for an unlimited amount of holidays within that period, although each individual trip length will have a limit, up to 93 days. So if you usually take more than one holiday per year it may save you time and money taking an Annual Travel Insurance Policy.
What does an Annual Multi-Trip travel insurance policy cover?
Annual Travel Insurance provides cover for an unlimited number of holidays within a 12 month period – including UK breaks. You’ll be covered for emergency medical expenses, (remember to declare any pre-existing medical conditions), baggage (in case it is lost, stolen or damaged during your holiday), and cancellation cover, which starts on the day you start your policy. While these are the main benefits, there’s also cover for delays, valuables and personal liability cover included in annual Travel Insurance policies.
Are there limitations on where I can go if I have an Annual Travel Insurance policy?
When you get a quote for Annual Travel Insurance you will typically be asked if you want European or Worldwide cover, so it will depend on where you’re planning to visit within the next 12 months which policy you need. If you’re planning one European trip and one trip outside of Europe it can sometimes work out cheaper to take two single trip policies. When you get a quote online at Just Travel Cover, our worldwide policies include cover for USA, Canada and Caribbean too, but you should always check the policy wording for any country exclusions on annual policies. There is no cover on any policy if you travel to a destination where the FCDO has advised against all or all but essential travel.
What are the advantages of an Annual Travel Insurance policy?
Taking Annual Travel Insurance could save you time and money if you’re planning two or more trips within a 12 month period. It will mean you can go away at the last minute without worrying about organising insurance, and you’ll have one set of insurance documents too for each trip.
How much does an Annual Multi-Trip Travel Insurance policy cost?
Annual Travel Insurance does not need to be expensive, but every quotation is based on your own unique circumstances and will depend on your age, medical history and the amount of days per trip you’d like to be covered for on each trip. It will also depend on if you’re planning a cruise in that 12 month period. We will compare prices from several insurers for you and in most cases present a bronze, silver and gold option.
Are there any exclusions on Annual Travel Insurance policies?
Most Travel Insurance policies will have a list of “exclusions”, which are things that you cannot claim for on the policy. Many insurers may include medical treatment for pre-existing medical conditions – at Just Travel Cover we can provide cover on annual policies for hundreds of medical conditions as long as they are declared and accepted. Some conditions may be classed as an exclusion, for example a condition that is likely to get progressively worse over time – as such they would not be covered on an annual policy and we would recommend a single trip policy.  As with all of our Travel Insurance there is also no cover if you choose to travel to a destination where the FCDO has advised against all, or all but essential travel. For a full list of exclusions please check the policy wording for each insurer.
Can you get Annual Multi-TripTravel Insurance with a heart condition?
Yes – as a specialist in Travel Insurance for people with pre-existing medical conditions we can provide  Annual Multi-Trip Travel Insurance for people with heart conditions, however it’s important to note that insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age, the severity of your heart problems and any other medical conditions you have or have had. When you enter your details online and declare all your medical conditions we’ll compare prices from a range of specialist medical insurers and provide you with the options, saving you time shopping around.
Can you get Annual Trip travel insurance if you have diabetes?
Yes – as a specialist in Travel Insurance for people with pre-existing medical conditions we can provide  Annual Multi-Trip Travel Insurance for people with diabetes, however it’s important to note that insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age and any other medical conditions you have or have had. When you enter your details online and declare all your medical conditions we’ll compare prices from a range of specialist medical insurers and provide you with the options, saving you time shopping around.
Can you be insured for Annual Multi-Trip Travel Insurance if you are living with cancer?
Yes – as a specialist in Travel Insurance for people with pre-existing medical conditions we can provide  Annual Multi-Trip Travel Insurance for people with cancer, however it’s important to note that insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age, the type of cancer and any other medical conditions you have or have had. When you enter your details online and declare all your medical conditions we’ll compare prices from a range of specialist medical insurers and provide you with the options, saving you time shopping around.
Can you be insured for Annual Trip Travel insurance, while living with mental health conditions?
Yes – as a specialist in Travel Insurance for people with pre-existing medical conditions we can provide  Annual Multi-Trip Travel Insurance for people with mental health conditions, however it’s important to note that insurers take other factors into account when delivering a price (or opting to not provide cover) – this includes your age and any other medical conditions you have or have had. When you enter your details online and declare all your medical conditions we’ll compare prices from a range of specialist medical insurers and provide you with the options, saving you time shopping around. 
Can I get Annual Multi-Trip Travel Insurance at any age?
We know that finding annual Travel Insurance can become harder as you get older – which is why many people opt for single trip cover for each holiday they have booked. We believe that age should not stand in the way of getting quality Travel Insurance so you can enjoy traveling in your twilight years, which is why some of our insurers do provide annual policies for travelers for any age, however this is subject to destination and medical screening. If you are over 75 we recommend getting a single trip quote online and we will then display an annual price if there is a policy available, so you can decide which policy is best for you.
Is there an upper age limit for Annual Multi-Trip Travel Insurance?
There is no upper age limit on some of our Annual Multi-Trip Travel Insurance policies, but it is dependent on other factors including the amount of days you’d like cover for on each trip within the policy period, if you’re planning any cruises and if you have any pre-existing medical conditions. 
Will Just Travel Cover compare Annual Multi-Trip Travel Insurance on my behalf?
We work with a panel of specialist providers so when you enter your details online we will show you prices from the insurers who can provide a policy for you. We’ll show you what’s included too, for example some policies will provide £5,000 per person cover for cancellation, and others will offer £10,000 per person, so you can choose the best policy depending on how much cover you need. In most cases there will be a Bronze, Silver or Gold option too.
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Why Choose an Annual Multi Trip Policy?

  • Start your policy up to 90 days in the future
  • Cover for up to 93 days per trip (terms apply)
  • Unlimited number of trips in the UK, Europe and Worldwide in the cover period
  • Easy, fast, and accurate online medical screening
  • Cruise and winter sports and activities cover available
  • Everyone insured under the policy can travel independently
  • Zero excess policies available
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What’s Covered?

  • Hundreds of Pre-existing medical conditions
  • Available for travellers of all ages*
  • 24/7 emergency medical assistance
  • Medical expenses up to £15 million per person
  • Cancellation/Curtailment up to £12,500 per person
  • Personal Liability up to £2 million per person
  • Lost, damaged or stolen luggage up to £3,000 per person

Please note all cover limits are per person and subject to terms of the indivudual insurer.

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Protected Travel for All Ages and Pre-Existing Medical Conditions

We have established long-term relationships with trusted specialist medical Travel Insurance providers, sourcing you the best levels of cover tailored to your specific needs, so you can enjoy your holidays to the fullest – whatever age you are or if you’re living with medical conditions.

Get the Travel Insurance That’s Just Right for You

Depending on your individual needs and travel requirements, we’ve got a range of schemes each with Bronze, Silver and Gold levels with varying excesses and cover options. We aim to give you peace of mind with cover for cancellation should you be unable to travel, missed departure if your car breaks down or your transfer is delayed, loss of your documents and belongings while you are away, as well as unexpected costs if you require medical treatment abroad.

Cancellation Cover for Peace of Mind

With an annual policy, cancellation cover begins from the start date you select for your policy, protecting every trip from this date onwards for a 12-month period.

Change of Plans?

If you would like to amend the area you wish to travel to, extend the number of days on a trip, or need travel insurance including winter sports or cruise cover, give us a call and we’ll amend your policy to reflect your changing needs.

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Just Insurance Agents Limited. Registered in England. Company No. 05399196.

Registered Office: Victoria House, Toward Road, Sunderland, SR1 2QF

Just Insurance Agents Limited are authorised and regulated by the Financial Conduct Authority (FCA) number 610022.