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£33a59b66%
OUL Direct Gold£334974%
Blue Bear Travel Gold£374981%
Topnotchcover Silver£39a5467%
Big Blue Cover Premier£4054a75%
65 to 69 Years
Covered2Go Gold£707682%
Blue Bear Travel Gold£757681%
Leisureguard£757575%
Holidaysafe Premier£787485%
Insure For All Silver£987075%
70 to 74 Years
Leisureguard£757575%
Holidaysafe Premier£787485%
Blue Bear Travel Gold£1057481%
Letsgoinsure Travellers Choice£1087483%
Insredtotravel Platinum£1127484%
75 to 79 Years
Golfguard£1527975%
Blue Bear Travel Gold£1597981%
Covered2Go Gold£1857982%
Insureandgo Silver£1898075%
Bengo Travel Optimum£2057965%
80+ Years
Insureandgo Silver£270No limitd75%
Saga£442aNo limitc95%
Staysure Comprehensive£4768574%
Circlecover Silver£489aNo limitd75%
Castle Cover Silver£512a8568%
Family
OUL Direct Gold£524074%
Big Blue Cover Premier£564475%
Topnotchcover Silver£595467%
Insuredtotravel Platinum£626584%
Letsgoinsure Travellers Choice£68c6583%

Table notes

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

Premiums were gathered during September 2014. 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 1st May 2015.

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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