No Frills Travel Insurance That Doesn't Skimp on Cover

Ideal for frequent travellers and families looking to save money with one policy covering all trips!

3 Options available including:
Winter Sports Option, Cruise Cover, Sports Cover Option...see all

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Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you

Annual Multi-Trip Travel Insurance

No Frills Travel Insurance That Doesn't Skimp on Cover

InsuraTrip Annual Multi-Trip Travel Insurance starts from less than £24* for the year! That’s less than £2 a month!

Do you travel abroad for business purposes or go on holidays more than once a year? Or maybe you've made plans for a winter sports holiday and a summer beach holiday in a single year? Perhaps you like to explore several different places on weekend city breaks each year?

Instead of getting single trip travel insurance, an annual multi-trip travel insurance policy from InsuraTrip may be what you need. Our Annual Travel insurance policy offers you financial protection in case of any unforeseen events during your holiday providing great value for money.

Click on the “Get a Quote” button down below to see how little it costs with our InsuraTrip Annual Travel insurance.


*The price of less than £24 is based on an InsuraTrip Standard Annual Multi-Trip policy going to Europe 1, for an individual under the age of 39 with no pre-existing medical conditions.

What is Annual Multi-Trip Travel Insurance?

If you've been looking at different travel insurance policies, you may have realised Annual Multi-Trip Travel Insurance can sometimes be known as Annual Travel Insurance.

Unlike a Single Trip Travel Insurance where one policy covers one trip abroad. An Annual Multi-Trip policy can cover an unlimited number of eligible holidays within 12 months (in line with the policy terms and conditions), all for one convenient price!

If you've bought multiple Single Trip Travel Insurance policies for each trip before, you might find that it was more expensive to cover each trip individually. Having an Annual Multi-Trip Travel Insurance policy could help to save you money.

Plus, you can save your valuable time with an Annual Multi-Trip policy since once you've selected your destination area, completed the medical screening, and added any additional options required, you have travel insurance cover every time you travel within the next 12 months.

Please note: If there's a change in your medical conditions, you must let us know before you travel. 

After you've purchased your annual travel insurance, you can focus on finding what destinations to travel to within the next 12 months.

What COVID Cover is Available on InsuraTrip Travel Insurance?

All our InsuraTrip Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (Covid-19) within the following sections:

  • Section A – Trip Cancellation
  • Section B – Trip Interruption
  • Section C – Travel Delay
  • Section F – Emergency Medical Cover/Dental Cover Abroad
  • Section G - Emergency Transport

You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording.

Click the “Get a Quote” button to get InsuraTrip travel insurance with COVID cover to protect your holiday.

InsuraTrip Annual Multi-Trip Insurance Key Benefits:

There are 3 levels of cover for you to choose from on InsuraTrip's Annual Multi-Trip Travel Insurance. You should choose the InsuraTrip Annual Travel Insurance that most closely matches your needs.

So you should make sure that the cancellation cover is enough to cover the cost of your holiday or trip in case you have to cancel. Similarly, it's important to ensure that the baggage cover is enough to cover the cost of the things you're taking with you.

The table below will help you understand the features of our InsuraTrip Annual Multi-Trip Travel Insurance policies depending on the level of travel cover that you choose. To view a full summary of the policy cover, please click here.

  Standard Extra Super
Maximum age 69 69 69
Maximum period per trip if aged 59 years or under 22 32* 32*
Maximum period per trip if aged 60 to 69 years 22 32** 32**
Max Cancellation £1,000 £2,000 £3,000
Emergency Medical Expenses £5m £10m £10m
Baggage £500 £1,000 £1,500
Excess £145 £95 £70

Please note:

* The maximum trip durations for travellers aged 59 years or under can be extended up to 45 or 60 days for an additional premium.

** For travellers aged 60 to 69 years, the maximum trip duration can only be extended up to 45 days for an additional premium.



Check You have The Cover You Need

Our Annual Multi-Trip Travel Insurance policy includes cover for over 100 exciting sports and activities as standard. For more information on which activities, you're already covered for as standard with this policy, visit our Sports & Activities List page, or click here to find out.

If you're considering sports activities on your holiday, such as skiing or snowboarding, you'll need to add Activity Pack 5 to your policy. For more information on which InsuraTrip Activity Packs you need to add to your annual travel insurance for multi-trips to include cover for the activities you may do on our holiday please click here to find out. 

Alternatively, if your travel plans include going on a cruise, there is no need for you to get specialist annual multi-trip travel insurance with cruise cover. Here at InsuraTrip, you can add our Cruise Option to your annual multi-trip travel insurance with additional cruise cover.


Each policy option will require the payment of an additional premium to include them on your policy, however, you'll benefit from the extended cover that each option provides.

InsuraTrip Annual Multi-Trip Travel Insurance Frequently Asked Questions

1. How does annual travel insurance work?

The overall period of insurance will be for the 12-month period as shown on the certificate, and our InsuraTrip Annual Travel Insurance policy begins when you leave your home in your home country at the start of your trip. The policy finishes immediately upon your return to your home in your home country for any reason.

For the trip cancellation cover, this cover starts at the time the premium is paid or the date you book your trip whichever is later. Please note: Cancellation cover ends immediately when you leave your home in your home country to start your trip.

2. How much does annual travel insurance cost?

The price you pay when purchasing our InsuraTrip Annual Multi-Trip Travel Insurance depends on the level of cover you have chosen and the destination of your holiday.

If you have decided to add our policy options ( Sports Cover, and Cruise Cover) to your policy, there will be an additional premium to be paid.

3. Are you a traveller who has pre-existing medical conditions?



Important Information for Customers with Serious Medical Conditions

MoneyHelper has developed a directory of specialist Travel Insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable Travel Insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper Travel Insurance directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.

Why Choose

InsuraTrip features a range of great benefits as standard. InsuraTrip also features some great add-ons for you to tailor your policy - meaning you only pay for the additional cover you need.

  • Instant Quote and Cover
  • 24/7 Emergency Helpline
  • Medical Expenses
  • Cancellation Cover
  • Baggage Cover
  • Personal Accident & Liability Cover
  • FREE cover for 100+ Sports and Activities
  • Options Available including cruise, winter sports and more...
  • 100s of Medical conditions considered
  • Online Policy Documentation
  • We don't store credit card details
  • + Lots more
Pre-Existing Medical Conditions

This policy does not provide cover for pre-existing medical conditions unless declared to us and accepted by us in writing (an additional premium may be payable).

The good news is InsuraTrip can consider 100’s of pre-existing medical conditions when you apply for cover and if accepted by us through our online medical screening system when getting a quote you can be covered by the InsuraTrip policy (an additional premium may be payable).

Please refer to the policy wording to determine what medical conditions and historic medical events need to be declared.

You can declare your Pre-Existing Conditions through our online medical screening facility when getting a quote. Failure to declare all necessary pre-existing conditions could invalidate your policy or mean a claim is later declined.

Please Note - This is a travel insurance policy and not private medical insurance; there is no cover for any medical expenses incurred in private facilities if medically capable public facilities are available.

How do I get a Quote for No Frills Travel Insurance That Doesn't Skimp on Cover?

It’s quick and easy to get a No Frills Travel Insurance That Doesn't Skimp on Cover quote.

Just click the ‘Get A Quote’ button to get an online quote for No Frills Travel Insurance That Doesn't Skimp on Cover.

Travel Insurance Policy Options

Sports Cover Option
Sports Cover Option

For additional cover when taking part in one of our 100+ sports included as standard, be sure to take out sports cover for further peace of mind on your trip.

Winter Sports Option
Winter Sports Option

Add the Winter Sports Option to your InsuraTrip Travel Insurance policy to get protection for emergency medical expenses and lost, damaged or stolen ski equipment, unused lift pass through loss or theft, loss of use of ski pass through illness or injury, piste closure and avalanche and landslide closure cover as well as physiotherapy if required upon return to the United Kingdom.

Cruise Cover
Cruise Cover

Add the Cruise Cover Option to your InsuraTrip Travel Insurance policy to cover your cruise holiday to get cover for cruise interruption, missed port departure, cabin confinement, lost, damaged or stolen formal cruise attire and unused pre-booked excursions.