Travel insurance Worldwide: Annual travel insurance policies

If you're heading outside of Europe for your holidays, these Best Rate travel insurance policies will give you the cover you need.

If you make more than two or three trips a year, these annual policies are usually cheaper than buying single-trip travel insurance policies and will cover all your trips for a year – including trips within the UK.

Which? Best Rate travel insurance policies provide the cheapest cover that meets stringent criteria. All of our Best Rate policies include at least £2 million of medical cover for Europe and £5 million worldwide, £1,500 of cover for baggage and personal belongings and £3,000 for cancellation or curtailment.

We have also analysed the 22 most important elements of your travel insurance policy to see which providers offer the best all-round cover. Along with the standard features, we've assessed insurers for their policy on missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers that have a policy score of less than 65% are not included in the table.

It is worth noting that policy details can change depending on where you buy the cover. If you go through a comparison site, for instance, it is possible that there may be age restrictions on cover. Likewise if you apply for winter sports cover. So always check the terms and conditions provided via an intermediary against your requirements and if there is a difference, buy direct from the provider. If there is a premium difference insurers may well price match the quote you received elsewhere. 

Worldwide Best Rate Annual Policies
Annual Worldwide (including USA)PremiumMax age premium applies (Years)Policy score
Adult
Leisurecare Multi Traveller£33a59b65%
OUL Direct Gold£334970%
Holidaysafe Premier£3755b76%
Topnotchcover.com Silver£39c5471%
AnnualTravelInsurance.com Super£42a6575%
65 to 69 Years
Blue Bear Travel Gold£707082%
Covered2Go Gold£707082%
AnnualTravelInsurance.com Super£79a6975%
Multitrip.com Premier£84a6974%
Travel Insurance Medical Comprehensive£1017067%
70 to 74 Years
Letsgoinsure.co.uk Travellers Choice£1137482%
AnnualTravelInsurance.com Super£117a7575%
Multitrip.com Premier£124a7574%
Holidaysafe Premier£1357476%
Golfguard£1427474%
75 to 79 Years
Golfguard£1527974%
Bengo Travel Optimum£2067968%
Santander£2688076%
Insureandgo Silver£2978073%
Travel Insurance Medical Comp£3048067%
80+ Years
Insureandgo Silver£297No limitd73%
Travel Insurance Medical Comp£3998567%
Saga£421aNo limite94%
Circlecover Silver£4668573%
Avanti Travel Classic£510a8568%
Family
OUL Direct Gold£524970%
Big Blue Cover Premier£584476%
Topnotchcover.com Silver£59c5471%
Insurefor.com£634465%
Letsgoinsure Travellers Choice£68c6582%

Table notes

  1. Online price. Phone price may be higher
  2. Slightly higher premium to age 64 years
  3. Online only
  4. Premium for age 85. Premiums increase for 86 years plus
  5. Premium for age 80. Premiums increase for 81 years plus

Premiums were gathered during August and September 2013. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in 20 May 2014.

Unexpected event cover - Icelandic volcanoes, civil unrest in Thailand and the Middle East and BA strikes are just some of the problems that have given travellers headaches in recent times - not least because it isn't immediately apparent whether your insurer will cover you if you have to cancel or cut short your holiday. Here, we reveal which insurance companies will cover you for six major unexpected events. 

More on this...