Annual Travel Insurance

If you take multiple trips a year, annual travel insurance policy can be more cost-effective and convenient than buying single trip cover each time. One policy gives you 12 months of protection for multiple journeys—saving you time, money, and hassle. For example, if you have medical conditions, you only need to declare them one (unless they change) and then you have the same medical cover for all trips. With Single Trip policies you would need to declare them every time!

Both policies can offer up to 12 months travel insurance cover, but they’re designed for different types of trips.

• Annual Holiday Insurance: Covers multiple trips within a 12-month period, with a maximum duration per trip
• Long Stay Travel Insurance: Designed for one continuous trip lasting from 2 up to 24 months – perfect for gap years, sabbaticals, or extended travel.

If you’re planning to be away for an extended period – for example, more than 12 months – you’ll need 1 year travel insurance or longer. In that case, a long stay policy is the better fit. Click here to learn more about Long Stay Travel Insurance.

Yes – our annual trip travel insurance offers a choice of maximum trip durations. The policy cover trips up to 45 days as standard, and there is an option where you can extend this to 62 days per trip for an additional cost.

Please note: if you’re aged 70-74, the maximum trip duration is 31 days.

The price of your annual multi-trip cover depends on several factors, including:

• the level of cover you choose
• your age
• your destinations
• any optional extras you add

For example, annual worldwide travel insurance typically costs more, as it covers more destinations, including those with higher medical costs and longer travel distances.

If you choose annual travel insurance including cruise cover that will cost more, as it provides additional cover for cruise-related risks, such as missed port departures or cabin confinement due to illness.

Yes, our annual holiday insurance includes cover for trips within the UK. UK trips must:

• be at least two nights away from home
• include pre-booked and prepaid accommodation or transport

At Voyager, you can get annual travel insurance for worldwide and European holidays. For the different destinations, we’ve categorised into 4 areas:

Europe-Only Coverage

If you're travelling only within Europe, select Area 2 when you’re getting annual European travel insurance policy:

• Area 1: The United Kingdom, including Northern Ireland
• Area 2: Includes Area 1, plus the Isle of Man, the Channel Islands, Western Europe, any country with a Mediterranean coastline (except Algeria, Libya, Syria, and Israel), the Canary Islands, Madeira, and Iceland

Worldwide Coverage

If you're travelling beyond Europe, you’ll need worldwide cover. There are two options:

• Area 3: Includes all countries in Areas 1 & 2, plus worldwide (excluding North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda)
• Area 4: Includes all countries in Areas 1, 2 & 3, plus North America, the USA, Canada, Mexico, the Caribbean, the Bahamas, and Bermuda