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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 insurers 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

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 including USA’ and ‘Worldwide excluding the USA'.

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 35 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. 

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How Medical Travel Compared works

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

  • This site does not provide medical advice, diagnosis or treatment of any medical conditions. You should always consult a medical professional to ensure you are healthy and fit enough to travel.
  • The information on our site does not constitute financial advice. Always do your own research for your specific circumstances as the information contained within this site is built to offer generic, not bespoke guidance.
  • We always endeavour to provide accurate product and price information, but products and rates issued by our panel of providers are live and subject to changes outside of our control and without warning.
  • Occasionally we link to other websites to provide you with additional information or guidance. We can’t be responsible for their content.
  • We aren’t owned by any insurance companies (or have any favourites) so the information we present on our website is unbiased.