Annual travel insurance, sometimes called annual multi-trip travel insurance or holiday insurance, covers an unlimited number of trips over a 12-month period under one policy, rather than needing a new policy every time you book a holiday. For anyone travelling more than two or three times a year, it usually works out cheaper than buying single trip insurance each time, and cancellation protection starts from the policy's start date rather than the date of your next specific trip.
Chris Knott Insurance arranges annual travel insurance through a specialist travel insurance provider, with policies starting from £61 and cover available across Europe or worldwide depending on where you travel.
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Once you buy the policy, it runs for 12 months and covers every trip you take within that time, with no need to tell your insurer about each one in advance. Individual trips are generally covered for up to 45 days each, or 31 days if you're aged 70 to 74, though this can usually be extended to 62 days for an additional cost if you're planning a longer trip within the year. Winter sports cover for up to 21 days a year is typically included as standard rather than needing to be added separately, which suits anyone who takes an annual skiing trip alongside other holidays.
Cover applies to both UK and overseas trips, including staycations, so a policy isn't wasted in a year where most of your travel stays closer to home. Because cover runs on a 12-month cycle rather than trip by trip, it also flexes naturally with the time you travel most, whether that's several short breaks across the year or one longer holiday alongside a couple of shorter ones.
Most annual multi-trip policies renew automatically each year unless you cancel, so it's worth reviewing your circumstances, and any new medical conditions, before each renewal rather than assuming last year's policy still fits. Not all travel insurance policies handle renewals the same way, so it's worth checking whether yours reassesses your declared conditions automatically or expects you to update them yourself.
Core cover includes trip cancellation and curtailment, medical treatment and repatriation if you fall ill or are injured abroad, and cover for lost, damaged or delayed baggage. Missed departures and travel delays are usually included too, alongside cover for a supplier failing, such as an airline or accommodation provider going out of business before you travel.
Yes, where you travel is one of the biggest factors in the price. Annual multi-trip cover is usually sold by region, so you choose the level that matches your year's travel rather than paying for everywhere:
Age matters too. Premiums step up through the age bands, and cover for older travellers is priced around the higher medical risk, which is why our travel insurance for the elderly is set up specifically for that rather than applying a blanket upper age limit. The simplest way to find cheap annual travel insurance is to match the region and trip length to how you genuinely travel, rather than buying worldwide cover for a year of European city breaks.
No policy covers everything, and knowing the common exclusions upfront saves a nasty surprise at claim time. Annual multi-trip cover generally won't pay out for:
As always, the policy wording is the place to check the full list before you rely on the cover.
A few practical details are worth understanding before you buy. The excess is the amount you pay towards a claim before the insurer covers the rest, and each section of the policy, such as medical or baggage, can carry its own. Taking a higher voluntary excess usually lowers the premium, provided you're comfortable covering more of a smaller claim yourself.
A GHIC or EHIC (the UK Global Health Insurance Card, or an older European card) gives access to state healthcare in participating countries at the same cost as a local resident. It's a useful thing to carry, but it doesn't replace travel insurance, since it won't cover repatriation, private treatment, cancellation or lost baggage.
Annual policies also come with a 14-day cooling-off period. If you change your mind within 14 days of buying, and you haven't travelled or made a claim, you can usually cancel for a refund. After that window, cover runs for the full 12 months, which is why it's worth getting the region and details right at the outset.
Buying as soon as you've booked your first trip of the year, rather than waiting, means cancellation cover starts sooner without costing extra. Choosing the right geographical region for your policy, Europe-only rather than worldwide if that genuinely reflects your travel plans, keeps the price down without cutting cover you don't need.
Declaring medical conditions accurately from the outset avoids a much larger problem later: an inaccurate declaration can mean a claim being reduced or refused, which costs far more than any premium saved by underreporting. A higher voluntary excess can lower the price too, provided you're comfortable covering more of a smaller claim yourself.
Because Chris Knott works with a specialist travel provider rather than a generic one-size policy, cover can reflect how often you actually travel and where you go, rather than a blanket policy priced for the average customer. Annual multi-trip cover is one part of the wider travel insurance we arrange, so if your circumstances change we can also help with cover for a one-off holiday or for a larger party through our group travel insurance. We're a UK-based broker that's been arranging cover since 1983, with a 4.9-star Trustpilot rating from over 2,200 reviews you can check yourself, and we're not on the comparison sites. We're authorised and regulated by the Financial Conduct Authority (FRN 304452), and you can verify that on the Financial Services Register at register.fca.org.uk.
The most common questions we're asked about annual travel insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
Policies start from £61, though the actual price depends on your age, any medical conditions you need to declare, and whether you choose European or worldwide cover. Someone with no medical conditions travelling only in Europe will generally pay less than someone with health conditions to declare who wants worldwide cover including the United States, so the headline starting price is a floor rather than a typical figure for everyone.
Yes, in most cases, though you'll need to declare each condition accurately when you buy the policy or at your next renewal if it develops afterwards. Declaring a condition doesn't automatically mean a higher price or a refusal, but not declaring one can mean a related claim, or in some cases any claim at all, being turned down later. Where there are several conditions or a more serious one to consider, our travel insurance with medical conditions is built around getting them covered properly.
If you know in advance that a trip will run past the standard 45-day limit, it's usually possible to extend that single trip to 62 days for an extra cost when you take out or renew the policy, rather than needing an entirely separate short-term policy for the extra days. It's worth arranging this before you travel rather than assuming cover will simply continue past the limit.
For very infrequent travellers, yes. If you only take one short trip a year, our single trip travel insurance bought for that specific holiday is often cheaper overall than an annual policy priced to include a medical condition or higher-risk destination you won't actually visit. Annual cover earns its keep once you're travelling regularly enough that the convenience and per-trip saving outweigh paying for a full year of cover you might not fully use.
You can make a claim by contacting our team directly, and we'll talk you through what's needed. For medical emergencies abroad, calling the emergency assistance number in your policy documents before you pay for treatment yourself is usually faster than claiming the cost back afterwards, particularly where an undeclared medical condition could otherwise complicate things.
Single-trip, annual, medical-conditions, group travel - we arrange cover for every type of trip from a panel of UK specialist insurers.
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ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Call our UK-based team on 0800 917 2274 or email enquiries@chrisknott.co.uk to get a quote based on how often you actually travel. We're open Monday to Friday, 9am to 5pm.
*Chris Knott Insurance is authorised and regulated by the Financial Conduct Authority (FRN 304452). You can check this on the Financial Services Register at register.fca.org.uk.*
