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Important Information Regarding
Pre-existing Medical Conditions

Any person who is travelling who has a pre-existing medical condition or has taken prescribed medication within the last 2 years must contact the Medical Screening number below to declare their condition otherwise there is no cover for that pre-existing medical condition.

There is no cover available for persons travelling or a third party relative with a terminal prognosis or those awaiting results of tests or medical investigations.

There is no cover for medical expenses if the insured is travelling with the intention of obtaining medical treatment abroad, if the insured has been advised not to travel and if the insured is not taking recommended treatment or prescribed medication, as directed by a medical practitioner.

Tel : 0818 286 524

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  • Annual Multitrip Insurance
  • Wintersports Insurance
  • Backpacker Insurance
Important Notice: Our travel insurance policy now covers Cancellation as a result of a positive diagnosis of Covid-19 and we also now cover Medical Expenses abroad as a result of Covid-19. All other claims relating to Covid-19 or Government Restrictions on travel are excluded. Please Click Here for further information on cover for Covid-19.

Buy Annual Travel Insurance

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  • Annual Multitrip Insurance
    Covid-19 Medical & Cancellation Cover

    from only 16.99*

    *Online price for Economy European cover for an individual aged 65 years or under holding private health insurance with medical cover abroad. Any claim relating to government lockdown or restrictions on travel are excluded.
  • Wintersports Insurance
    Covid-19 Medical & Cancellation Cover

    from only 23.99*

    *Online price for Annual Economy European cover incl. Winter sports for an individual aged 65 years or under holding private health insurance with medical cover abroad. Price excludes €4.50 handling fee. Any claim relating to government lockdown or restrictions on travel are excluded.
  • Single Trip Insurance
    Covid-19 Medical & Cancellation Cover

    from only 5.49*

    *Online price based on 1-day UK Economy cover for an individual under 66yrs holding Private Health Insurance with Medical Cover abroad. Price excludes €4.50 handling fee. Any claim relating to government lockdown or restrictions on travel are excluded.

Annual Travel Insurance with Covid-19 Medical & Cancellation Cover

We understand that Covid-19 has had a significant impact on travel. That's why it is important to us that we provide comprehensive and reliable annual travel insurance for all types of trips. We have now included several Covid-19 related benefits to our travel insurance policies to allow you to go abroad again with peace of mind as you had before.

Covid-19 cover includes:

  Medical Expenses covered if you or your travelling companions are diagnosed with Covid-19 abroad.
  Additional Travel or Accommodation Expenses abroad if you need to extend your stay due to a Covid-19 diagnosis.
  Cancellation cover if you are diagnosed with Covid-19 within 14 days of departure.
  Cancellation cover if you are hospitalised with Covid-19 within 28 days of departure.
  Cancellation cover if your travelling companion(s) are diagnosed with Covid-19 within 14 days of departure.
  Cancellation cover if your travelling companion(s) are hospitalised with Covid-19 within 28 days of departure.
  Cancellation cover if somebody you have arranged to stay with abroad is diagnosed with Covid-19 within 14 days of departure.
  No Cover for cancellation due to government travel restrictions or lockdown.

Covid-19 Travel Insurance FAQs

  • Where does travel insurance sit now with all this talk of the 'traffic light system'?

    The first point to note is that the traffic light system is not in any way related to travel insurance. Travel insurance works in accordance with guidance from the Department of Foreign Affairs (DFA), so customers should always check their travel advice at the time of travel. The positive news is that the DFA has changed its travel advice for all EEA countries and Great Britain from 'Avoid Non-Essential' to 'High Degree of Caution'. Where a country is now stating 'High Degree of Caution', travel insurance will cover customers if they travel to this country/region.

  • Would travel insurance cover me if I am flying to a Red or Amber country?

    AnnualTravelInsurance.com travel insurance policies are valid for all countries that have the advice from the Department of Foreign Affairs (DFA) of 'High Degree of Caution' regardless of if they are Amber or Red. Amber or Red only refers to the requirements to restrict your movements when you return home. For some countries, the advice of 'Avoid Non-Essential Travel' remains in place and, as a result, no cover at all is provided by our policies if customers decide to travel against government advice.

  • Would travel insurance cover me at the moment if I want to travel abroad?

    AnnualTravelInsurance.com travel insurance policies include cover for all countries that are listed as 'High Degree of Caution' on the Department of Foreign Affairs (DFA)'s website. Other countries that the DFA still state 'Avoid Non-Essential' are not covered. To check the status of the country of travel, please visit the Travel Advice section on the DFA's website.

    High Degree of Caution = Covered as per the policy terms and conditions, including Covid-19 medical cover abroad and cancellation cover if diagnosed within 14 days of travel.

    Avoid Non-Essential / All travel = No cover to travel to this country.

  • If I fall ill with Covid-19 abroad and need medical treatment abroad, am I covered for medical expenses?

    AnnualTravelInsurance.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions.

    Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel. All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

  • If I fall ill with Covid-19 abroad and need to be repatriated to Ireland/UK, am I covered for this?

    AnnualTravelInsurance.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions; repatriation to Ireland/UK is covered under this section.

    Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel.

    All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

  • Show/Hide more FAQ
    • If I contract Covid-19 whilst on a trip (with no symptoms and incur no medical expenses) and I am denied boarding due to the positive diagnosis, am I covered for reasonable additional transport or accommodation expenses?

      AnnualTravelInsurance.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. In the event of a positive diagnosis of Covid-19 abroad, the policy will cover reasonable additional transport (economy class) or accommodation expenses incurred up to the standard of your original booking if you must extend your stay up to the amount of €2,000.

      Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel.

      All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

    • If I fall ill with Covid-19 abroad and need to extend my stay as a result of it, incurring additional costs, is it covered?

      AnnualTravelInsurance.com travel insurance policies provide cover for emergency medical and other expenses incurred abroad if you catch Covid-19 subject to the policy terms, limits, conditions and exclusions. This section also provides cover for any reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date up to the amount of €2,000.

      Please note that we will not cover Covid-19 related claims where you have travelled to an area that the Department of Foreign Affairs (DFA) has advised against all or all but essential travel.

      All customers and partners should refer to the Travel Advice section on the DFA's website prior to purchasing a policy and/or departure to ensure the policy provides the required cover for their trip.

    • If my travelling companion and I fall ill with Covid-19 at home and cannot travel, am I covered for cancellation?

      AnnualTravelInsurance.com travel insurance policy includes cover for cancellation if you, your travelling companion or any person you have arranged to stay with during your trip receives a Covid-19 diagnosis within 14 days before the start date of the trip, or if admitted to hospital with a Covid-19 diagnosis within 28 days before the start date of the trip.

      You won't be covered for any Covid-19 claim events occurring within 7 days of the date you purchased insurance unless the insurance is purchased within 48 hours of booking the trip.

      This cover is subject to the policy terms, limits, conditions and exclusions.

    • If my family member is hospitalised with Covid-19 and as a result you cannot travel, am I covered for cancellation?

      AnnualTravelInsurance.com travel insurance policies include cover for cancellation if your close relative or close business associate is admitted to hospital with a Covid-19 diagnosis at the time of the trip and/or the death of Your close relative or close business associate due to Covid-19 at the time of the Trip.

      You won't be covered for any Covid-19 claim events occurring within 7 days of the date you purchased insurance unless the insurance is purchased within 48 hours of booking the trip.

      This cover is subject to the policy terms, limits, conditions and exclusions.

    • If I am diagnosed with Covid-19 whilst on my trip and must self-isolate in my accommodation, can I claim for any cancelled excursions?

      AnnualTravelInsurance.com travel insurance policies include cover for your irrecoverable unused pre-paid charges (including sports, concert and entertainment tickets), which you have paid or are contracted to pay, only if you receive a Covid-19 diagnosis within 14 days of the start date of your trip.

      This cover is subject to the policy terms, limits, conditions and exclusions.

    • If I need to curtail my trip as a close relative has passed away from Covid-19, am I covered for curtailment?

      AnnualTravelInsurance.com travel insurance policies include cover for curtailment in the event your close relative or close business associate is admitted to hospital with a Covid-19 diagnosis at the time of the trip and/or the death of your close relative or close business associate due to Covid-19 at the time of the trip.

      A special condition of this cover is that the insured customer must contact our Emergency Assistance Service whilst away to seek approval before returning home. Please see definition of close relative contained within the policy wording.

    • If I buy a policy now and the Department of Foreign Affairs (DFA) changes their advice on my country of destination to 'Avoid Non-Essential Travel' while I am away on my trip, what am I covered for?

      AnnualTravelInsurance.com travel insurance policies will continue to cover you up to the limits on your policy until you return home, even if DFA advice changes to 'Avoid Non-Essential Travel' while you are abroad.

    • If I buy a policy now and the Department of Foreign Affairs (DFA) changes their advice on my country of destination to 'Avoid Non-Essential Travel' before my trip, am I covered for cancellation of flights and accommodation?

      There is no cover for any claim related to a change in DFA advice or government lockdown.

    • Would travel insurance cover me if I have to cancel a holiday as I cannot restrict my movements when I return home from a foreign trip due to my job or other commitments?

      No, there is no cover in this event.

We've Got You Covered!

If you are travelling this year, you should consider purchasing an Annual Travel Insurance policy to provide you with the peace of mind you need no matter how often you travel.

An Annual Travel Insurance policy is often the most cost effective way to ensure you are covered for all of your trips, regardless of how many times you travel. We offer excellent savings with discounted Couple and Family insurance policies with children going free on family policies.

We offer a choice of three cover levels ranging from Economy to Super and Super Plus, with trip durations available from 31 days to 60 days any one trip covering either European or Worldwide trips depending on your particular needs.

Annualtravelinsurance.com also provides the facility for booking Single Trip or Backpacker Insurance if this type of cover is needed.


Travel Insurance Reviews from AnnualTravelInsurance.com Customers

This company is a great company and I am very happy with the deal I got from them and the excellent service they gave me. I would definitely recommend them to my friends and family, and I will be using them again. Judy - 5 Star Review - 27th November 2020
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