What is annual travel insurance (also known as annual multi-trip)?
Heading off more than once this year? An annual multi-trip policy wraps every getaway into a single, hassle-free plan. You tell us the trips you have in mind, whether you like to stick close to home or have the entire globe on your bucket list, and we’ll keep you covered for every trip up to the limits of your chosen policy.
On our Deluxe policy level, that means up to £7,500 of cover for cancellation, £3,000 for baggage, and up to unlimited medical expenses.
Because your cover runs for a full 12 months, you only need to declare your pre-existing medical conditions once. That saves you time, keeps everything in one tidy bundle and means you travel with the same reassuring safety net, trip after trip.
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When to choose annual holiday insurance
Single-trip
Just the one holiday on the cards? A single-trip travel insurance policy covers you from the moment you buy until the day you get home. It’s the straightforward option if you’re only heading off once and want cover for that specific trip. And with cover lengths of up to 550 days available (depending on your age, see our policy documents for full details), there’s plenty of room for adventure.
Annual multi-trip
Paying for separate policies adds up if you’re planning two, three or even more adventures. An annual plan spreads the cost across every journey, so the more you travel, the better value you get for each holiday. It also locks in your cancellation cover from the day you buy, protecting every future booking you make during the policy year. And if your plans aren’t quite fixed yet, you can delay your start date by up to 90 days.
That’s practical help when you need it most, and it leaves a little extra in the kitty for tapas, lift passes or an upgrade to that sea-view cabin you’ve been eyeing.
What does annual travel insurance cover?
Here’s a quick look at when your policy will and won’t apply. If you’re not sure how any of these points might affect you, our friendly team can talk them through over the phone and help you understand what your cover includes.
We can usually help if you…
- have to cancel your trip or come home early
If illness, injury or bereavement means you can’t travel or need to cut your holiday short, we’ll help with the costs you can’t get back.
- need emergency medical treatment abroad
If you fall ill or get injured overseas, we’ll cover hospital treatment, ambulance transport and – if needed – medical repatriation, with help from our 24-hour assistance team.
- lose your bags or passport
If your baggage, valuables or travel documents are lost or stolen, we’ll help you replace essentials so you can carry on with your trip.
- are disrupted by bad weather or strikes
If your flight or connection is delayed because of unexpected bad weather, strike action or a vehicle breakdown, we’ll help cover reasonable travel or accommodation costs to get you where you need to be. (This doesn’t apply if the strike or disruption was already public knowledge when you booked your trip).
- are delayed on your journey (Classic and Deluxe)
If your flight or ferry is delayed for 12 hours or more, you’ll get a fixed payment to help with the inconvenience.
- can’t stay in your accommodation (Classic and Deluxe)
If a fire, flood or major power cut means you can’t stay in your hotel or apartment, we’ll help arrange and pay for somewhere else.
- are admitted to hospital while abroad (Classic and Deluxe)
If you’re kept in hospital overnight, we’ll pay a daily benefit to help with small personal costs while you recover. (If you’re injured in a mugging, an extra payment may also apply).
- are delayed by volcanic ash (Deluxe only)
If a volcanic ash cloud grounds your flight for more than 12 hours, you’ll receive a fixed payment to help with the delay.
- accidentally cause injury or damage
If you unintentionally injure someone or damage their belongings, your policy includes personal liability protection.
- are injured in an accident abroad
If you need legal help after being injured overseas, we’ll cover your legal costs, so you’re not left to manage it alone.
Cover won’t apply if you…
- haven’t told us about a medical condition
If you don’t declare a pre-existing condition, or if your health changes before you travel and you don’t update your policy, we won’t be able to cover related claims.
- travel against UK Government or medical advice
There’s no cover if you travel somewhere the UK Foreign Office has advised against, or if your doctor says you shouldn’t travel for medical reasons.
- have an accident because of alcohol or drugs
We can’t cover claims if alcohol or drugs directly or indirectly contribute to an accident, injury or loss.
- miss a flight because of personal delays
If you don’t leave enough time to reach the airport or check-in, we can’t pay for missed flights or connections.
- leave belongings unattended
There’s no cover if something is lost or stolen after being left unattended – for example, on a sunbed, in an unlocked car or in a public place.
- are travelling for arranged medical treatment abroad
Travel insurance is designed for unexpected illness or injury, not for medical procedures, tests or check-ups arranged before you go.
- booked during a known strike or disruption
If strike action or travel problems were already public knowledge when you booked, your policy won’t apply to those delays or cancellations.
- take part in an activity that isn’t covered
Some higher-risk activities – such as certain winter sports – aren’t automatically included unless you’ve added the right optional cover.
- are waiting for a medical procedure
If you’re awaiting an operation or follow-up test, cancellation and curtailment claims won’t be covered unless it’s an accepted procedure shown on your validation certificate.
Travelling with a medical condition?
97% of customers who declare a condition are offered cover with us. In fact, since 2014, we’ve helped more than 1.3 million travellers arrange cover for over 1,300 medical conditions (subject to screening) – from high blood pressure and diabetes to cancer and heart disease.
In the rare event we can’t offer you travel insurance for pre-existing medical conditions, we’ll always try to point you in the right direction. We’re proud to be listed in the British Insurance Brokers’ Association (BIBA) directory – a trusted source for specialist insurers who understand complex health needs. You can also contact them directly on 0370 950 1790 or visit biba.org.uk for free, independent guidance.
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Medical conditions we regularly cover
Heart and circulatory conditions
Travelling with a circulatory or heart condition like heart disease, high blood pressure or atrial fibrillation? You’re not alone.
Cancer
Our travel insurance policies can include cover for a wide range of cancers – including some of the most common, such as breast, prostate, bowel, lung and skin cancer.
Breathing and lung conditions
We regularly help travellers with a wide range of breathing conditions, including asthma, bronchitis, COPD and lung fibrosis.
Digestive conditions
Many Avanti travellers live with stomach and bowel conditions such as IBS, Crohn’s disease, ulcerative colitis and acid reflux.
Neurodegenerative diseases
Our policies can include protection for neurodegenerative conditions like Parkinson’s disease, Alzheimer’s disease, multiple sclerosis and motor neurone disease, as well as rarer conditions such as Huntington’s disease, Batten’s disease, spinocerebellar ataxia and spinal muscular atrophy.
Mental health conditions
Travel can do wonders for mental wellbeing. If you’re managing a condition like anxiety, depression, bipolar disorder or post-traumatic stress disorder (PTSD), we’d love to help you see the world.
Autoimmune conditions
The Avanti team regularly arrange cover for travellers with autoimmune conditions such as arthritis, lupus, Addison’s disease and multiple sclerosis. This can include conditions managed with long-term medication or those that cause occasional flare-ups.
Kidney conditions
We often help kidney patients with conditions such as chronic kidney disease (CKD), kidney stones, renal failure, nephritis and urinary tract infections (UTIs).
Back and chronic pain
Chronic pain can have many causes – including autoimmune, neurological and digestive disorders – and we understand how differently it can affect each person day to day. We often cover those with conditions such as chronic back pain, slipped discs, sciatica, fibromyalgia and other long-term pain conditions.
Allergies
Allergies shouldn’t stop travel in its tracks. Whether it’s a common sensitivity or something more specific like allergic rhinitis or aspergillosis, we’ll do our best to find the right protection for your trip.
Top tip: what if my health changes after I buy yearly holiday insurance?
Life – and health – can move faster than your passport pages fill up. If a new diagnosis, medication or procedure crops up after you’ve bought your annual multi-trip travel insurance, log in to My Avanti or give our friendly team a quick call. You’ll be asked a few straightforward questions so we can update your medical record before your next getaway.
Sometimes the change won’t affect your premium or eligibility at all. If it does, we’ll explain any adjustments in plain English and confirm the new terms before you decide to go ahead. Either way, keeping us in the loop means there’s no risk of gaps in cover if you need medical help abroad.
What destinations can I get annual multi-trip travel insurance for?
Wherever your journey leads, your multi-travel policy can follow – as long as the Foreign, Commonwealth and Development Office (FCDO) says it’s safe to travel. When you take out cover, simply tell us which regions you expect to visit over the next twelve months, and we’ll make sure you have the right protection from day one.
Europe
Dreaming of tapas in Spain, vineyard tours in France or island-hopping in Greece? Choose our Europe option and every eligible trip within the continent slots under one premium. City breaks, sun-seekers and ski weeks are all wrapped into the same cover, so there’s no need to buy separate policies each time you book.
Worldwide
Planning further-flung adventures? Opt for worldwide cover, and you can roam from the bright lights of the USA to Australia’s beaches, with Asia, Africa and Latin America in between. Whether you’re visiting relatives in Canada or ticking Thailand off your list, one annual multi-trip policy keeps you protected across the map.
How long can I travel for with annual travel insurance?
Our annual holiday insurance policies are designed to let you roam far and wide, but each policy has a maximum length for any one getaway. You can take as many trips as you like within twelve months, so long as each holiday stays within the limits below, up to a total of 183 days:
| Age |
Annual multi-trip |
| 0 – 70 |
Maximum 50 days in any one trip |
183 days in total |
| 71+ |
Maximum 35 days in any one trip |
183 days in total |
How to buy annual holiday insurance
Step 1
You can get a quote online or over the phone. We’ll start by asking a few quick questions – like whether it’s single trip or annual cover, your travel dates, destination and if you’re going on a cruise.
It’s easy to cover an individual, couple, family or group of up to nine travellers online (or up to 30 by phone).
Step 2
Next, we’ll go through a few details about your health over the past two years – including any diagnoses, symptoms, tests or treatment.
Step 3
Once you’ve shared your details, we’ll talk you through your quote, whether online or over the phone. You can choose your level of cover, add any extras and confirm your policy there and then.
You’ll get instant access to your policy documents in My Avanti, where you can view, download or update your details any time.
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Planning a cruise this year?
Our Classic or Deluxe cruise cover can protect your nautical adventures against missed port departures, cabin confinement, itinerary changes, and more. And because nobody wants to be underdressed at the captain’s table, we’ll even pay up to £100 for emergency evening wear, if yours don’t make it on board. Just let us know you’re cruising when you get a quote for your annual cover.
When to buy annual multi-trip insurance
The smartest time to take out cover is the same day you put money down on your first trip. The moment your policy is active, your cancellation protection starts working for you – guarding deposits and payments on flights, accommodation and excursions all the way up to departure. Wait until a week before you travel, and you’ll leave every day in between exposed to the unexpected: illness, family emergencies, even a call-up to jury service.
Because an annual multi-trip policy lasts a full 12 months, it also shields the impulse trips you book later in the year. A brief city break, a last-minute cruise deal or a quick hop to see friends abroad is automatically covered from the second you confirm the booking. One decision now spares you a rush to arrange a new policy – or the risk of forgetting altogether.
How much is annual travel insurance?
Think of it as a season ticket for all your adventures. One premium covers every eligible trip you take in the next year, so you pay once and head off as many times as your calendar allows.
Here’s why it can often be kinder to your wallet:
- Every single-trip policy carries its own base price. Multiply that by two, three or more holidays, and your costs can add up fast. With an annual multi-trip policy, those fixed costs are rolled into a single payment.
- The more you travel, the lower your average cost per trip becomes.
- Cover levels stay the same for every journey, so you’re not tempted to trim protection to keep individual policy prices down.
In short, you lock in one premium and free yourself to plan city breaks, beach weeks or long-haul adventures. Plus, you’ll only need to declare your medical conditions once (unless your circumstances change during your policy).
If your quote for annual multi-trip holiday insurance tops £80, you don’t have to find the full amount upfront. With Avanti you can spread the cost over twelve easy monthly instalments.*
How to get cheaper annual multi-trip travel insurance
Looking to trim your annual holiday insurance premium? Here are a few simple levers you can pull:
- Trip duration – shorter trips usually cost less to insure because there’s less time for something to go wrong.
- Destination – some places are more expensive to insure than others. The USA, Canada and the Caribbean have some of the world’s highest medical costs, while Europe and the UK are often cheaper to cover.
- Policy level – Avanti offers three levels of cover – Essentials, Classic and Deluxe. Essentials is the most cost-effective option for travellers looking to keep things simple.
- Luggage cover – think about what you really need to take with you. Packing lighter and setting a lower luggage limit on your policy can bring the cost down.
- Excess – a higher voluntary excess means a lower premium. Just make sure it’s an amount you’d be comfortable paying if you claim.
- Discounts – it’s also worth checking our current offers before you buy. You can find the latest Avanti discount codes on our discounts page.
Avanti pays when it matters most
We know how important it is to feel confident that your claim will be handled quickly and fairly.
Between February 2024 and July 2025, our customers received more than £31 million, with over 18,000 claims settled.
You can expect to hear from our claims team within five working days of submitting your claim, and in most cases, Avanti strives to make a decision within five days of receiving your documents.
That’s one of the reasons Avanti has been awarded Best Insurance Customer Service by the Personal Finance Awards (2025).
Winner 7 years running: Best Travel Insurance
Our Best Travel Insurance award (Personal Finance Awards, 2018-2025) is based on the experiences of real people who travel with us. They’ve trusted us to help when plans change, flights are cancelled or medical emergencies happen abroad.
From updating policies to arranging hospital care or getting someone home safely, we do what good travel insurance should do – put things right.
What if my annual travel insurance ends while I’m abroad?
We’ll notify you 21 days before your policy ends and send over your premium details for the coming year based on your latest medical declaration. If your policy ends while you’re abroad, we can automatically renew it using your payment details we have on file. You can continue your travels worry-free with your new policy, with the same level of protection.
Will an annual multi-trip policy cover UK holidays?
Our annual multi-trip travel insurance covers trips within the UK too — just make sure you’ve booked and paid for at least two consecutive nights of accommodation. It’s easy to arrange: just let us know you’re planning a UK holiday when you’re buying your policy, and we’ll make sure it’s included in your cover.
What activities does annual multi-trip travel insurance cover?
If you’re planning something a bit more adventurous, you’ll be glad to know that we cover over 100 fun-filled sports and activities on a non-professional basis. Think whale watching, water polo, marathon running, beach cricket, golf, jet skiing, boogie boarding, windsurfing, hiking, zip lining, s hark diving (in a cage), s afari (must be organised in the UK), s wimming with dolphins (if it’s professionally organised and supervised), and more, with some exceptions around personal accident and liability cover.
Hear it from our happy travellers…
“We have an annual multi-trip policy and have just renewed with the most helpful and friendly operator I have dealt with, perhaps ever!
We had to make a claim on last year’s policy for substantial medical expenses incurred during a trip we made last year when my husband fell ill and was hospitalised. These were paid with absolutely zero fuss and we received excellent assistance whilst abroad. Despite this, our annual premium has gone down this year! I cannot recommend them enough.”
Sara, 10 April 2026
“Had a very satisfying experience with Avanti travel insurance today.
Dealt with Tom, and he guided me through the medical screening questions in a clear and friendly way. The quote, which I took, was very competitive, and significantly cheaper than one of their main competitors!
Would highly recommend this company for an annual policy.”
Gary, 5 February 2026
“We had to return early from holiday due to a family bereavement. We claimed using the online Curtailment form. Simple to complete and supported with all receipts (plane ticket, holiday invoice and car parking invoice) and a copy of the death certificate. Avanti paid out without hesitation within 10 days. We have an annual plan, which is a lot less expensive than individual trip cover. And you can pay monthly. Peace of mind and good cover.”
Gary W, 21 December 2025
