Annual Travel Insurance FAQs
Frequently asked questions aboutAnnual 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 a European trip and a 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. Our policies even include annual multi-trip Travel Insurance with cruise cover. There is no cover on any policy if you travel to a destination where the FCDO has advised against 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 Travel 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 circ*mstances 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 travelling in your twilight years, which is why some of our insurers do provide annual policies for travellers 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. For example, if you’re seeking Travel Insurance for over 70s for 90 days, it would be one of the considerations. Other factors that can influence the policy include whether 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.
What options do you offer for Annual European Travel Insurance?
We cater to a range of travel needs. Whether you’re considering Travel Insurance for a 3-month trip or annual cover for travels within Europe, our policies have got you covered. Our Annual Travel Insurance provides flexible solutions for both short-term trips and extended European adventures.
How can I find the best deal on cheap annual Travel Insurance?
To find the best deal, compare policies from different providers. At Just Travel Cover, we compare policies for you, all tailored to your unique travel needs. Look at the cover offered, the limits, exclusions, and customer reviews. When choosing a policy, we will usually show you bronze, silver and gold options so you can choose a policy that best meets your budget and travel requirements.
