Travel insurance: Worldwide: Annual travel insurance policies

If you're heading outside of Europe at least twice this year, these Best Rate travel insurance policies will give you the cover you need.

For multiple holidays 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 meeting our stringent criteria. Our 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 terms 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 how you buy the cover. Buying via a comparison site, for instance, could mean there may be age restrictions on cover. Likewise if you apply for winter sports cover. Always check the terms and conditions against your requirements and if there is a difference, buy direct from the provider. If there is a premium difference insurers may price match the quote you received elsewhere.

Worldwide Best Rate Annual Policies
Annual Worldwide (including USA)PremiumMax age premium applies (Years)Policy score
Leisurecare Multi Traveller£335966%
OUL Direct Gold£344970%
Covered2Go Gold£384984%
Blue Bear Travel Gold£394981%
Topnotchcover Silver£395469%
65 to 69 Years
Covered2Go Gold£757084%
Blue Bear Travel Gold£767081%
Holidaysafe Premier£78a7585%
Leisureguard Premier£816973%
Letsgoinsure Travellers Choice£92a7485%
70 to 74 Years
Holidaysafe Premier£78a7485%
Letsgoinsure Travellers Choice£92a7485%
Insuredtotravel Platinum£937584%
Leisureguard Premier£977473%
Blue Bear Travel Gold£1067481%
75 to 79 Years
Blue Bear Travel Gold£1737981%
Covered2Go Gold£1737984%
Bengo Travel Optimum£2057965%
Insureandgo Silver£2077971%
80+ Years
Insureandgo Silver£297No limitb71%
Saga£442aNo limitc95%
Circlecover Silver£470aNo limitb71%
Staysure Comprehensive£4768582%
Castle Cover Silver£512a8568%
Topnotchcover Silver£595469%
Insuredtotravel Platinum£606584%
Letsgoinsure Travellers Choice£616585%
OUL Direct Gold£644970%
Annualtravelinsurance Super£70a6569%

Table notes

  1. Online price. Phone price may be higher
  2. Premium for age 85. Premiums increase for 86 years plus
  3. Premium for age 80. Premiums increase for 81 years plus

Premiums were gathered during October 2015. 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 May 2016.

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. 

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