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Get your multi trips covered with one

Worldwide Travel Insurance

If you travel more than once a year, arranging fresh cover before every trip gets old fast. Annual travel insurance solves that: one policy, twelve months, every trip covered.

At Norton Insurance Brokers, we arrange annual and worldwide travel insurance around how you actually travel. A long-haul holiday, a couple of city breaks and a work trip can all sit under the same annual multi-trip policy. In our 2026 survey of 549 UK travellers, 58% of people who took three or more trips a year told us annual multi-trip cover suited them best.

Heading somewhere with high medical costs, or planning a cruise or winter sports trip? We will make sure the area of cover and any add-ons match where you are going.

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PCM Helping a Client With Travel Insurance

What is annual worldwide travel insurance?

Annual travel insurance, also called annual multi-trip cover, insures every trip you take over a 12-month period under a single policy. You set it up once, and each trip is covered automatically up to the maximum trip length on your policy, usually between 31 and 45 days per trip.

Worldwide refers to the area of cover, and the difference matters for your premium:

Worldwide excluding USA, Canada and the Caribbean covers most of the globe at a lower premium, because it leaves out the highest-cost medical regions.
Worldwide including USA, Canada and the Caribbean covers everywhere, and costs more, because treatment in those regions is the most expensive an insurer can face.

If you take three or more trips a year, an annual policy usually works out cheaper than arranging cover trip by trip. Our personal client manager will help you weigh that up.

A person holding a holographic airplane and umbrella is protecting the airplane indicating travel insurance

Why does the area of cover matter so much?

Because the main thing you are insuring is emergency treatment and getting home, and those costs vary enormously by region.

Association of British Insurers figures put the average overseas medical claim at around £1,528, but the tail is what should focus the mind: one member paid out more than £1 million for emergency US hospital treatment and repatriation.

Repatriation is the fastest-rising part of that. A medical evacuation from the USA to the UK averaged over £192,000 in 2024, and from Spain around £45,000. That is why a policy covering the USA costs more than one that does not, and why choosing the right area of cover is the single most important decision on this page.

A GHIC or EHIC card helps inside the EU, but it is not a substitute: it does not cover repatriation or private treatment.

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Who is annual worldwide cover suitable for?

Families

One annual family travel insurance policy can cover two adults and their children across every trip in the year, including trips where the children travel with one parent. It is usually simpler and cheaper than insuring each holiday separately.

Frequent and business travellers

If you fly for work as well as pleasure, an annual multi-trip policy covers both under one arrangement. We can extend cover for business equipment and the mix of destinations a working year involves.

Travellers over 65

Age affects both premium and claim likelihood, ABI data shows average claims rising with age, but it does not rule out annual cover. If you have a pre-existing medical condition, we will make sure it is declared and reflected properly in the policy rather than left to cause a problem at claim time.

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Get a travel insurance quote

Send us a message and our team will be in touch to help with your annual or worldwide travel insurance query. We will take the time to understand how you travel and point you in the right direction.

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Most Frequently Asked Questions

Does annual travel insurance cover multiple trips?

Yes. One annual multi-trip policy covers every trip you take in the 12-month period, up to the maximum trip length shown on your policy, usually 31 to 45 days per trip.

What is the difference between worldwide and European cover?

European cover is the cheapest area and covers Europe. Worldwide cover extends further and splits into worldwide excluding USA, Canada and the Caribbean, and worldwide including them, which costs more.

Is annual worldwide travel insurance worth it?

If you take three or more trips a year it usually works out cheaper than arranging cover trip by trip, and you are covered the moment a trip is booked. In our 2026 survey, 58% of frequent travellers preferred it.

Does a GHIC or EHIC card replace travel insurance?

No. A GHIC or EHIC helps with state healthcare inside the EU, but does not cover repatriation or private treatment, and does not apply outside Europe. It works alongside insurance.

Can I add cruise or winter sports cover to an annual policy?

Yes. Both can be built into an annual multi-trip policy from the start. Tell us what you are planning so the cover matches the activity.

Do I need to declare pre-existing medical conditions on an annual policy?

Yes. Any pre-existing condition should be declared so the policy reflects your situation. Leaving it out is the most common reason a medical claim is refused.

Christine Heron

23 May 2026

We have used Norton for our house insurance for many years ... always helpful and competitive

John Whitehall

2 June 2026

Roger H

28 May 2026

A fine, traditional personal experience with the same agent who knows my requirements over several years. Nearly always providing the best quote available in the market. Highly recommended.

John Fuller

2 June 2026

Polite, and efficient service.