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Annual Multi Trip Travel Insurance

Year long 12 month travel insurance for pre-existing medical conditions

Annual multi-trip medical travel insurance


If you’re a bit of a jet setter and travel frequently then our annual multi-trip insurance is a cost effective option to cover all your holidays and breaks throughout the year. A simple one off payment will secure travel insurance for 365 days and as long as there is no change in your medical conditions, it will save you the hassle of arranging cover for each trip separately.


OK To Travel provides annual holiday and travel insurance for individuals, couples, groups and families with no age restrictions. There are three geographical areas to choose from:


  • Europe (excluding Egypt and Israel)
  • Worldwide (excluding USA, Canada and Caribbean)
  • Worldwide 


You can travel as many times as you like on an annual multi-trip policy as long as each individual trip does not exceed 31 days (from the day you leave the UK to the day you arrive back). We do not operate automatic renewals of our annual cover but will invite you to renew within 30 days of your policy expiry date.


We offer four levels of cover with a variety of cover benefits including cancellation between £0 and £5,000 per insured and emergency medical expenses up to £10 million.


Getting a quote takes minutes with our instant quote and buy system. It’s quick, simple and totally confidential. We can insure your travelling companions too, whether they have medical conditions or not. Being insured on the same specialist policy with OK To Travel has many advantages and can protect accompanying friends and family against unforeseen costs resulting from your existing medical conditions, such as cancellation or curtailment of a holiday. If you'd rather speak with us to discuss a quote and policy issue, our experienced and knowledgeable travel insurance agents are waiting for your call.

Our travel insurance products


Choose from four levels of cover and only pay for the cover you really need. All cover benefits are per person insured on the policy and subject to the applicable policy excess.



We have four levels of cover which can provide up to:

£5,000 Cancellation


Cancellation cover up to £5,000 per insured to recoup costs of unused travel and accommodation.

£10M Medical Expenses


Cover up to £10,000,000 per insured if you require emergency medical treatment or repatriation.

£3,000 Baggage


Cover if your personal possessions are lost, stolen or damaged up to £3,000. 

COVID-19 Cover


A range of COVID-19 specific cover benefits including cancellation, denied boarding and medical expenses abroad.

£500 Missed Departure


Cover for travel and accommodation expenses required to reach your booked destination if you miss your departure.

£50 Policy Excess


Policy excess as low as £50 on our Premier Plus level of cover.

Annual travel insurance for over 50's


It can be harder to find annual multi-trip insurance when you’re over 50 but you will be pleased to learn, OK To Travel does not have an age limit when it comes to offering yearly cover.


As specialists in medical travel insurance we have extended our expertise to annual travel insurance too. Declare your diagnosed medical conditions to us and we will aim to tailor an annual multi-trip policy. We ask that you keep us updated about your medical conditions throughout the period of cover. Should you have a change in your state of health or medication before you travel or during the course of your policy, please inform us by calling 01223 446 920. We will then update our records and your travel insurance policy to ensure you're fully covered in the event of a claim.

Our travel insurance agents are here to help with your annual insurance cover

Single trip travel insurance frequently asked questions

What is the maximum trip length?

You can travel as much as you like on our annual policies, providing each individual trip does not exceed 31 days.

Do you cover cruises?
When should I start my annual policy?