Frequently Asked Questions

There is no restriction on the number of trips you can take during the period—as long as you don't exceed the maximum trip duration or total days allowed in any single period of insurance. Your maximum trip duration is listed on your Validation Certificate.

No, wintersports is not included by default. However, you can add it for an additional premium if you—and anyone you’re booking for—are aged 65 or under.

Your cover should start on your chosen Start Date unless:

• You have an existing policy that runs up to that date.
• You haven’t yet booked a trip until that date.

Your insurance—including cancellation cover—only begins from your Start Date.

Unfortunately not. If you need cover for a longer single trip, you'll need to purchase a Single Trip policy for that duration.

We aim to auto-renew unless you opt out. You’ll get an email 6 weeks before renewal covering any changes to price or terms. To cancel auto-renewal, call 0333 355 0266. We’ll process renewal via your stored card, provided details haven’t changed and medical declarations remain the same. If auto-renewal can’t proceed, you'll be notified.

The policy should start on the day you depart and end on the day you return to the UK. Cancellation cover begins as soon as you purchase the policy.

A UK resident permanently lives in the UK (excluding Channel Islands & Isle of Man), and has done so for at least six months before the policy issue date. We cannot insure non-residents.

No – you must purchase travel insurance before departing the UK.

Enter your age as of the policy purchase date.

We charge a £3.95 online admin fee per policy.

Booking by phone incurs an extra £3.95 fee.

You'll be emailed your Validation Certificate, Policy Wording, and IPID after purchase. You can also view/download via “Manage your policy.” A paper copy or SMS (for £0.99) can be requested. Bring copies when you travel.

Use the “Manage your policy” portal. If you have trouble, call 0333 355 0266 and we'll assist.

These destinations are covered under European policy.

Medical conditions include:

• Cancer, respiratory issues (asthma/COPD), diabetes, heart/circulatory disorders, organ transplant, dialysis, psychological conditions, etc.
• In the past two years: in/out‑patient treatment, medication, reviews, tests.

You must declare all existing medical conditions for everyone covered. Incomplete declarations can lead to policy cancellation or claim refusal. You don't need exact medication names but you must fully disclose health info.

Any claims related to those conditions will be excluded, but the rest of your cover remains valid.

Inform us immediately, before booking or travelling, if your health changes. Consult your doctor and call 0333 355 0266 to update your policy.

A couple means either a married couple, civil partners, or two people living together as spouses/civil partners for at least 6 months.

A family is up to two adults and up to four children (under 18), including step/foster children, travelling together on one policy. Under Annual Multi-trip, children under 18 cannot travel independently.

Complications of pregnancy and childbirth are covered under Sections A and B if they arise after booking or policy start, and travel is across medical advice. Your doctor/midwife must be aware of plans. Please refer to policy wording for full details.

No. You’ll be reimbursed only for cancellation reasons specified in the policy: e.g. illness/death of insured or close relative. Change of mind, business, or dislike of travel dates are excluded.

Yes. You must report loss or theft within 24 hours and obtain a police report copy in order to claim.

For medical emergencies or trip curtailment due to an insured event, contact Zurich Assist. Details are in your policy documents or on our Claims page.

Please refer to the Claims section of our website for step-by-step instructions.

The excess is the amount per person you pay towards each claim — it's deducted from any settlement.

Please follow the complaints procedure outlined in your Policy Wording.

After purchase, you have a 14-day cooling-off period. If you cancel during this time, haven’t travelled, claimed, or used for visa purposes, you're entitled to a full refund. To cancel, call 0333 355 0266 or email info@annualtravelinsurance.com.