Annual Travel Insurance
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £5,000 – Cancellation Cover Per Person
- Up to £1,500 – Mobility & Disability Equipment Cover
- Up to £450 – Replacement Prescribed Medication Cover
- 1000s of Medical Conditions Covered
3 Options available including:
Winter Sports Cover Option, Sports Travel Insurance, Cruise Cover Option...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Annual Travel Insurance
For the Love of Travel, Unlimited Trips Covered for 12 Months
Life is for exploring. Whether it’s a short city break in Europe or a dream trip to worldwide destinations, the joy of travel comes from the freedom to enjoy it — with the reassurance that you’re protected.
At Able2Travel, we specialise in annual travel insurance for people with pre-existing medical conditions. From families making new memories, through seniors discovering fresh horizons to those adapting to recent health changes — we’re here to help provide the cover and peace of mind you deserve.
Our policies include protection for a wide range of pre-existing medical conditions, from heart conditions and mental health challenges to long-term health issues. Cover applies if your condition results in a trip cancellation or if you need emergency treatment abroad.
You’ll also be protected against unexpected travel disruptions such as delays, missed connections, or lost luggage — so you can travel with confidence, time after time.
Click below to get an annual travel insurance with medical conditions quote.
What Does Able2Travel Annual Travel Insurance Cover?
Our annual travel insurance for pre-existing medical conditions is designed to protect you against unexpected events that could disrupt your trip. These include:
- Emergency Medical Cover – Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions
- Trip Cancellation - Covers non-refundable travel and accommodation costs if you need to cancel your trip for an insured reason
- Mobility & Disability Equipment - Protection for essential equipment, such as wheelchairs, if it’s lost or damaged on your trip
- Replacement Prescribed Medication - Cover for the cost of replacing essential medication if it’s lost or delayed during your journey
- Emergency Transport – Covers the costs of bringing you back to the UK if it becomes medically necessary
Which Annual Travel Insurance is Right for You?
Finding the best annual travel insurance for your needs isn’t just about price — it’s about choosing cover that suits your specific needs and budget. At Able2Travel, we offer three levels of cover, making it simple to arrange the protection that’s right for you.
| Policy Highlights (per person) | Silver (£) | Gold (£) | Platinum (£) |
| Emergency Medical Cover | 10 million | 10 million | 10 million |
| Trip Cancellation | 1,500 | 2,500 | 5,000 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 450 |
| Emergency Transport | No Limit | No Limit | No Limit |
The table above highlights some of the benefits included with our annual trip travel insurance. To view full annual travel insurance comparison table, please refer to the policy wording.
Click below to get an annual travel insurance with medical conditions quote.
What Medical Conditions can Able2Travel Cover?
We know that every traveller is different — from travel style to health needs. Our flexible annual travel insurance has provided cover for thousands of medical conditions, ranging from everyday health issues to more complex medical conditions.
Here are some examples of what Able2Travel has covered:
- Heart & Circulatory conditions: e.g. High Blood Pressure, High Cholesterol
- Chronic illnesses: e.g. Asthma, COPD, Diabetes, Kidney Conditions
- Mental Health Conditions: e.g. Anxiety, Depression, Bipolar Disorder
- Neurological & Autoimmune: e.g. Stroke, Epilepsy, Multiple Sclerosis (MS), Lupus
- Bone & Joint Issues: Arthritis, Osteopenia, Hip Replacement
Why Choose Able2Travel Travel Insurance?
With more than 15 years of experience, Able2Travel has helped people with pre-existing medical conditions venture freely. Our annual multi-trip travel insurance has provided reassurance to thousands of travellers.
We take the time to understand individual circumstances and provide cover that’s right for you — because feeling safe, supported, and understood matters.
See why so many people place their trust in us. Read Able2Travel reviews to hear about real experiences with our cover and support.
Tailor Your Annual Travel Insurance
You can add optional extras to your annual travel insurance covering pre-existing medical conditions. Simply choose the ones that best suit your travel style.
- Cruise Cover – Ideal for frequent cruisers who want peace of mind while enjoying your cruises
- Winter Sports Cover – Enjoy the slopes with confidence, with up to 21 days of skiing or snowboarding cover for the year
- Sports Cover – Embrace your protection to cover a wide range of adventurous activities
Ready for Worry-Free Travel?
Travel should be about freedom, not paperwork. With Able2Travel’s annual travel insurance for pre-existing medical conditions, you can embrace unlimited adventures for 12 months, knowing you’re protected every step of the way.
Journey worry-free, trip after trip. Enjoy the reassurance to explore, discover, and make memories — whatever your medical history.
Annual Travel Insurance Options
Winter Sports Cover Option
Provides protection for lost, damaged, or stolen ski equipment (owned or hired), cover if you miss prepaid activities, and includes over 30 activities like skiing, snowboarding, and more.
Cruise Cover Option
Cover provides protection against cruise-specific incidents, including Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Sports Travel Insurance
Covers over 100 sports and activities, from hiking and cycling to scuba diving and ziplining, perfect for active holidays and adventure getaway.
Frequently Asked Questions About Annual Travel Insurance
1. What is Annual Multi-Trip Travel Insurance?
An annual multi-trip travel insurance policy is your all-in-one ticket to peace of mind. Instead of arranging a new policy every time you travel, you’ll have one simple plan that covers multiple trips within a 12-month period.
It’s designed to save you time, hassle, and often money, making it the perfect choice for anyone who loves to travel.
2. Does Annual Multi-Trip Holiday Insurance Cover UK Trips?
Yes — Able2Travel’s annual multi-trip travel insurance for pre-existing medical conditions also covers holidays within the UK. Trips in the UK must:
- Be at least 60 miles away from your home
- Be outside your city or town of residence, and include at least one overnight stay
3. What Destinations are Covered Under Annual Holiday Insurance?
At Able2Travel, we offer annual holiday insurance to Europe and beyond. From staycations in the UK to city breaks in Europe and long-haul worldwide trips. Our cover is divided into five areas:
UK Only Coverage (For UK Residents Only)
- Area 1: Includes England, Scotland, Wales, and Northern Ireland, as well as Isle of Man. Perfect if you’re looking for annual travel insurance for a UK break
Europe Coverage
If you’re going on holiday to Europe, you can choose between two types of annual European travel insurance:
- Area 2: Includes all countries in Area 1, Western & Northern Europe, Mediterranean Islands, and Eastern Europe
- Area 3: Include all countries in Areas 2, and including Turkey
Worldwide Coverage
If your trip involves travelling beyond Europe, you’ll need annual worldwide travel insurance. For this, there are two options to choose from:
- Area 4: Includes all countries in Areas 1, 2 and 3 (excluding the USA, Canada, the Caribbean and Mexico)
- Area 5: Includes all countries including those in Areas 1, 2, 3 and 4
4. What Is the Maximum Trip Duration on Annual Trip Travel Insurance?
With Able2Travel’s annual multi-trip travel insurance, the standard maximum trip length is 31 days. You can extend this for an additional premium, depending on your age and cover level:
- Aged 65 or under: up to 45 or 60 days on Gold or Platinum cover
- Aged 66 to 75: up to 45 days on Gold or Platinum cover
5. How Much is Annual Travel Insurance?
The cost of your annual multi-trip insurance isn't one-size-fits-all. It depends on several factors, including:
- Your age and the age of any travellers on the policy
- The level of cover you choose
- The destination area (Worldwide or Europe)
- The number of days required per trip
- Any declared pre-existing medical conditions
6. How to Get Your Quote for Annual Holiday Insurance with Medical Conditions?
Getting annual multi-trip holiday insurance is straightforward with Able2Travel.
- Tell us about your trip – choose your destination, when you’d like cover to begin, and who will be travelling
- Complete the medical screening about any health issues you have had – this can be done online or over the phone
- Get your personalised quote
- Compare annual travel insurance across three levels of cover and choose the option that suits you best
- Add optional extras to tailor the policy to your needs, such as cruise cover or winter sports cover
7. Why Do You Need Annual Holiday Insurance for Europe If You Have a GHIC?
The GHIC (Global Health Insurance Card) gives you access to state-provided healthcare in EU countries on the same terms as a local resident. However, it isn’t a substitute for annual travel insurance covering pre-existing medical conditions.
For example, the GHIC does not cover private medical treatment or the cost of being brought back to the UK if medically necessary. Annual European travel insurance can provide protection in these situations, as well as other important benefits such as cover for trip cancellations, travel delays, or lost and damaged baggage.
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.