Annual Travel Insurance
- Up to £10 million - Emergency Medical Expenses Cover
- Up to £10,000 – Cancellation Cover Per Person
- Up to £1,500 – Mobility & Disability Equipment Cover
- Up to £500– Replacement Prescribed Medication Cover
- 1000s of Medical Conditions Covered
6 Options available including:
Winter Sports Cover Option, Cruise Cover Option, Gadget Travel Insurance, Carer 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
Unlimited trips covered for 12 months with Able2Travel Travel Insurance
At Able2Travel, we specialise in annual travel insurance for people with pre-existing medical conditions. With an annual multi-trip travel insurance policy you can travel as many times as you want in a 12-month period, with a maximum trip length of 31 days (this can be extended to 45 or 60 days*).
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, and yourselves, with the reassurance that you’re protected by Able2Travel travel insurance yearly.
*Subject to the age of the policy holder and the policy level and additional premiums purchased.
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 you need to cancel your trip for medical reasons 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.
Why Choose an Annual Travel Insurance Policy?
Choosing an annual multi-trip travel insurance with medical conditions is an easier way for those who travel frequently to enjoy their yearly trips with peace of mind. Rather than having to fill out your information for every holiday you need travel for each year, why not just cover yourself once.
With more than 20 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.
We’d recommend adding the extras you’ll need for the year too; these may include our optional policy extras of: Winter Sports, Cruise, Golf, Gadget or Carer Cover
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 travel plans. These include:
- Emergency Medical Treatment - Covers emergency medical care costs abroad, including hospital stays relating to your declared conditions or other medical emergencies that may arise on your trip
- 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 mobility 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 by your carrier (e.g. airline).
- Emergency Transport - Covers the costs of bringing you back to the UK if it becomes medically necessary
- GP On Demand
Tailor your Annual Travel Holiday 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 - Perfect for those who love to relax on one-off ocean cruises
- Winter Sports Cover - Ideal of travellers heading on a skiing or snowboarding trip (max duration of 21 days)
- Sports Cover - Extend cover with our Action and Action Plus packages to include more adventurous sports.
- Carer Cover - Extra peace of mind for carers heading off on holiday.
- Gadget Cover - Cover up to 4 gadgets per policy.
Click below to get a yearly holiday insurance quote:
What Medical Conditions can Able2Travel Cover?
We know that every traveller is different, from travel style to health needs. Our flexible annual multi-trip 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 multi trip holiday insurance 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
Which Annual Travel Insurance is right for you?
Finding the best multi trip insurance with medical conditions for your needs isn’t just about price. It’s about choosing cover that suits your specific needs and budget for the year. 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 including emergency repatriation | 1 million | 5 million | 10 million |
| Trip Cancellation | 2,500 | 5,000 | 10,000 |
| Mobility & Disability Equipment | 750 | 1,000 | 1,500 |
| Replacement Prescribed Medication | 150 | 300 | 500 |
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.
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 making memories and discovering new places whatever your medical history with annual travel insurance uk.
See why so many people place their trust in us. Read Able2Travel reviews to hear about real experiences with our cover and support.
Annual Travel Insurance Options
Winter Sports Cover Option
Travel insurance with winter sports cover for extra protection against missed activities, loss / damage to equipment, and other unexpected winter sports events.
Cruise Cover Option
Travel insurance including cruise cover for extra protection against cabin confinement, missed port of call, and many other unexpected cruise-related events.
Carer Cover Option
Travel insurance for carers who need extra peace of mind when travelling for unexpected circumstances that may arise.
Gadget Travel Insurance
Gadget Travel Insurance for extra peace of mind when travelling for unexpected circumstances that may arise.
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.
Golf Travel Insurance
Add this to your Able2Travel policy to cover your Golfing activities, so you can enjoy yourself out on the course worry-free.
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. Whether you’re travelling multiple times in one year and want insurance to cover multiple trips, or travel frequently enough that one yearly travel policy sounds perfect for you, we’re here to help.
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
- Include at least one overnight stay
3. What Destinations are Covered Under Annual Holiday Insurance?
At Able2Travel, we offer 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 the following areas:
- Area 1: The United Kingdom including Northern Ireland.
- Area 2: Western Europe, the Channel Islands, the Isle of Man, Madeira, and Iceland (including Area 1).
- Area 3: Worldwide excluding North America.
- Area 4: Worldwide including North America.
Please note there is no cover for you travelling to an area that FCDO have advised against ‘All Travel’ or ‘All but Essential Travel’.
We are also unable to provide cover to some countries due to the existence of international sanctions – please see our homepage for an up-to-date list.
4. What Is the Maximum Trip Duration on Annual Trip Travel Insurance?
Annual Trip Travel Insurance is available for those aged 79 and below:
| Maximum period per trip if aged: | Silver | Gold | Platinum |
| Under 70 for all areas | 21 days | 31 days | 45 days |
| 70 - 74 for all areas | 21 days | 31 days | 31 days |
| 75 - 79 for all areas | 21 days | 21 days | 21 days |
5. How Much is Annual Travel Insurance?
The cost of your yearly multi-trip insurance isn’t a ‘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
Start your Able2Travel quote today.
6. How to Get Your Quote for Annual Holiday Insurance with Medical Conditions?
Getting travel insurance for multiple trips in a year 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.