Compare annual multi trip travel insurance

You can usually take unlimited holidays in a year. The only limit is on how long each trip can last. 

• Most providers set the limit at 31 days per trip. 

• Some let you extend to 45, 60 or even 90 days if you need longer. 

 

If you’re planning an extended break, check your policy’s trip duration before you book. You might find that a single trip policy has a longer duration limit. 

Most annual policies give you protection for: 

 

• emergency medical treatment and repatriation if you fall ill or have an accident abroad 

• trip cancellation or curtailment if you need to cancel before you go or return home early 

• lost or stolen luggage, money or passports 

• travel delays or missed departures caused by insured events like strikes or bad weather 

• personal liability if you accidentally cause injury or damage abroad 

 

If you’re going on a cruise or ski trip, you’ll need to add extra cover. 

Yes – as long as you declare them when you get your quote, and they appear on your policy certificate. 

 

• At PayingTooMuch, we only show providers who can cover your conditions. 

• Many common conditions can be included, such as diabetes, asthma, high blood pressure, heart conditions and cancer history. 

• If you don’t declare something, you risk not being covered if you need to claim. 

 

Always be honest when you get your quote – it means you’ll get the right cover for your health needs.

Yes – family policies are available and can save you money compared with buying separately. 

 

• They usually cover you, your partner and your children together. 

• Children are often covered when travelling with an insured adult on the same policy. 

• Some providers even cover children travelling independently, for example on a school trip. 

 

Check the details for your chosen policy so you know exactly who’s included. 

With an annual travel policy, you’ll be able to get cover for UK holidays of two or more nights, but with some limits. 

 

If you're travelling in the UK for two or more nights with pre-booked accommodation, you can get cover up to £10,000. This is for extra travel and stay for you and one other person, in case of a medical emergency or for cancellations. 

 

Your annual travel policy won’t cover medical expenses in the UK, as you have access to the NHS. 

Not automatically. Cruises and winter sports carry extra risks, so they need specialist add-ons. 

 

• Cruise cover protects you for things like missed ports, cabin confinement and emergency evacuation. 

• Winter sports cover adds protection for accidents on the slopes, piste closures, lost ski passes and equipment. 

 

If you’re booking a ski trip or cruise, remember to add the right cover.

Yes – your annual policy covers every trip you take during the year. 

• You can make multiple claims, up to the policy limits. 

• For example: you could claim for lost baggage on one trip and medical treatment on another. 

 

This makes annual cover flexible if you’re travelling often. 

GHIC and EHIC cards only cover state healthcare in Europe. They don’t cover: 

 

• private treatment 

• bringing you back to the UK if you need specialist care 

• cancellations, lost luggage or delays 

 

Travel insurance fills these gaps, so you’ll need both for full protection. Learn more in our GHIC blog.  

If something goes wrong while you’re away: 

 

1. call your provider’s 24/7 emergency helpline straight away. 

2. keep all receipts, booking confirmations, medical notes or police reports – you’ll need them. 

3. follow the instructions given by your provider to make the process smoother. 

 

Tip: Keep your policy documents and helpline number handy during your trip. Read our article for other top tips to make a successful claim on your travel insurance. 

Yes – most providers give you a 14-day cooling-off period. 

 

• If you cancel within this time and haven’t travelled or claimed, you’ll get a full refund. 

• After that, you may receive only a partial refund – or no refund at all, depending on the insurer’s terms, how much of the policy year has passed, and whether you’ve travelled or claimed. 

 

Always check the cancellation rules before you buy.

With PayingTooMuch, you can get cover for all ages – we work with specialist providers who can cover travellers of any age, including those with pre-existing medical conditions. 

 

Individual providers may set their own limits, which are often: 

• around 70 to 75 years old 

• higher with some providers (though premiums usually increase with age) 

 

If you’re over 70 and only taking one holiday a year, a single trip policy may sometimes work out cheaper. But if you’re travelling more often, annual cover could be better value.