Annual Travel Insurance FAQ

Get a quote for annual travel insurance

get a quote for annual travel insurance

To help you understand annual travel insurance and enable you to make an informed decision about the annual travel insurance that’s right for you, we’ve put together some frequently asked questions, and answers about annual travel insurance cover.

The questions and answers on this page are meant as a general guide to annual travel insurance cover, you should check the terms and conditions of your own annual travel insurance policy to see exactly what cover is provided.

How many times a year does annual travel insurance allow me to travel?

With an annual travel insurance policy you are covered to travel as many times as you like during the year.

Annual travel insurance is designed to provide travel insurance cover for an unlimited number of trips in the course of a year. If you travel regularly this can save you time and money compared to buying a separate travel insurance policy for every trip you take.

Is there a limit to the length of trip covered by an annual travel insurance policy?

Yes. Most annual travel insurance policies will provide travel insurance for an unlimited number of trips, but they do specify a maximum duration for each trip. The maximum trip duration on an annual travel insurance policy is often 31 days, but there are annual travel insurance policies that will cover longer durations, for instance platinum annual travel insurance from insurewithease.com can provide cover for trips of up to 45 days.

Are the individuals named on an annual travel insurance policy covered to travel separately as well as together?

This will vary for different annual travel insurance policies so you will need to check the terms and conditions with your annual travel insurance provider.

The annual travel insurance policies that are promoted on this site provide cover for adults named on the policy to travel separately, however children must be travelling with an adult who is also named on the policy.

Can I add ski cover to an annual travel insurance policy?

Most travel insurance providers allow you to add ski cover to your annual travel insurance policy; however you should be aware that there is usually a maximum number of days skiing that they will cover during the course of the year.

This is often 17 days, but may differ between policies so you should check the terms and conditions of your annual travel insurance to be sure.

When should I start my annual travel insurance cover?

To get the full benefit of the cancellation cover included in your annual travel insurance policy you should start the cover immediately if you have a holiday booked, or as soon as your old annual travel insurance expires

Does annual travel insurance cover me to travel anywhere in the world?

When you buy annual travel insurance you generally get to choose between Europe or worldwide annual travel insurance cover, you should check the definitions of Europe or worldwide to see what cover you need. For instance many travel insurers include Morocco and Tunisia within European cover because they border the Mediterranean, even though they are not actually in Europe.

Some annual travel insurance providers will also split their cover into more geographical options, for instance Worldwide excluding USA/Canada/Caribbean and Worldwide including USA/Canada/Caribbean, so it’s important to choose the right option to get annual travel insurance cover for the countries you intend to visit.

Do I need to declare pre-existing medical conditions when buying annual travel insurance?

Yes. In order to be covered for cancellation or medical treatment which is related, either directly or indirectly, to a pre-existing medical condition you need to declare that medical condition at the time you buy your annual travel insurance.

Generally speaking, anything that you have visited a GP or hospital doctor about or taken any medication for needs to be declared, even if it’s just on-going check-ups in relation to past condition or something like high blood pressure which is controlled by medication.

If you don’t declare a pre-existing medical condition you could find that you are not covered by your annual travel insurance if you fall ill on holiday.

Get a quote for annual travel insurance

get a quote for annual travel insurance

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