Annual Travel Insurance
Page down for price comparison tables telling you where to find the cheapest quality annual travel insurance.
Simply pick the type of annual travel insurance you want and we'll tell you who offes the cheapest rate. Then click on the name of the travel insurance company to check the price and book your annual travel insurance.
Annual Travel Insurance for one adult - Europe only
Annual Travel Insurance one adult - Worldwide
Annual Travel Insurance for a couple - Europe only
Annual Travel Insurance for a couple - Worldwide
Annual Travel Insurance for a family - Europe only
Annual Travel Insurance for a family - Worldwide
Please remember that travel insurance companies offer different levels of cover on their annual travel insurance. We've tried to compare 'like with like' - which means, for example, that we're comparing the Essential Travel 'Standard' policy with the Direct Travel 'Standard' policy.
Also, as different annual travel insurance policies have different terms and conditions, make sure you choose the policy that's right for you. Read the checklist below the table for a list of things to look out for. (All prices are correct at 31.05.08.)
Cheap Annual Travel Insurance Checklist
- Only buy good quality annual travel insurance.
- Know what cover you want and check that the policy provides that cover. Some annual travel insurance policies have non-standard exclusions - for example, the JourneyWise policy excludes cover for glasses.
- As a minimum, make sure your annual travel insurance policy provides for:
a. all medical bills
b. an air ambulance in case you need to be flown home
c. bringing your family home in the event of your illness or injury
d. all potentially hazardous sporting activities you may be planning
e. replacing and / or bringing your car home if you are taking it abroad
- If you plan to rely on free travel insurance cover provided as a benefit on your credit card, get a copy of the cover and read it carefully. For example, it may not cover your return journey, or may only cover you if the full amount of the holiday was paid via the card.
- Consider leaving valuables and jewellery at home. If you do take them make sure your cheap ski insurance policy is sufficient and that you abide by the policy terms (such as storing them in a safe).
- Some travel insurers exclude trips within the UK on thier annual travel insurance, or only include them if you are staying at a hotel or other paid accommodation. If you take regular trips in the UK and want to be covered for these, check the policy terms before you buy.
- If you are travelling within Western Europe, obtain a E111 from a Post Office, and take it with you. Not only does it give you access to free or reduced cost emergency medical treatment, many insurers insist that you carry one and / or waive their insurance excess if you have used it. But don't rely on it as a replacement for the medical section of your cheap ski insurance - it is only for emergencies, it won't get you flown home, it doesn't cover emergency dental treatment (unless it's life threatening) and some European countries do not accept it.
- Remember to declare all pre-existing medical conditions when you buy your annual travel insurance. This will usually include asthmatic children, for example. This is one of the main reasons holiday insurance claims are refused.
- If you're travelling as a couple then consider buying a couples policy. Couples usually do better with a joint policy, but the annual travel insurance policy may only cover you if you travel together.
- Check you're not paying for the same cover twice. Insurers will offer a discount of between 10 - 30% if your baggage is already covered on your home contents policy.
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