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Annual Travel Insurance

Cheaper if you go on several holidays and trips a year. Less hassle just one policy for per year. We remind you to renew your Annual Travel insurance policy each year. Sports and Activities can be added to your Annual Travel Insurance policy. Winter Sports can be included. Many of us are taking more than one trip a year, be it a summer holiday or ski trip in the…

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  • Cheaper if you go on several holidays and trips a year.
  • Less hassle just one policy for per year.
  • We remind you to renew your Annual Travel insurance policy each year.
  • Sports and Activities can be added to your Annual Travel Insurance policy.
  • Winter Sports can be included.

Many of us are taking more than one trip a year, be it a summer holiday or ski trip in the winter months. It is sensible to take out an Annual Multi Trip Travel Insurance policy, as the cost can be cheaper and it means you do not have to worry about taking cover each time you travel.

We can also provide an Annual policy if you are Resident in another European country and these quotes and policies can be issued over the telephone or by email.

To get a quote by telephone or email, contact us on 0800 047 5065 (FREEPHONE) or  + 44 (0) 1273 773 017 info@jsinsurance.co.uk

JS Travel Insurance can now provide cover for your Gadgets, such as Mobile Phones, Tablets and Computer Game Consoles. You will be able to select this cover on the quote page of our website.

1. Summary of Cover

Section & Cover Silver Gold Platinum
Cancellation or Curtailment £1,000 £3,000 £7,500
Medical and Repatriation £10,000,000 £10,000,000 £10,000,000
Personal Liability £2,000,000 £2,000,000 £2,000,000
Personal Baggage £1,000 £1,500 £2,500
Personal Money £150 £500 £750
Delayed Departure £100 £1,000 £1,000
Missed Departure £250 £500 £1,000
Legal Expenses £25,000 £25,000 £25,000
Scheduled Airline Failure £1,500 £1,500 £1,500

2. Annual Multi-Trip Travel Insurance FAQ's

What are the maximum trip duration's for JS Annual Travel Insurance Policies ?

The maximum trip duration's are 31 days or 45 days. This means that you can travel per trip up to these number of days and you are fully covered. We do provide trip duration's of 62 or 93 days. Please contact us for a quote.

How many trips am I able to take if I have an Annual Travel Insurance policy ?

As many trips as you like within a year. JS Travel Insurance customers who have Annual policies often take a two week summer holiday, one week winter sports and then some city breaks during the year.

What are maximum number of days per year for Winter Sports, that are covered on a JS Annual Travel Insurance policy ?

The online policies cover up to 17 days during the year. This is the number of Winter Sports days that you take part in during the year and not per trip. We do have several Travel Insurance providers that cover unlimited winter sports days within the period of the cover. Please contact us for a quote by calling us on 0800 047 5065 or via email: info@jsinsurance.co.uk

If Sports and Activities are added to the Annual Travel Insurance quote, how is the premium for these calculated ?

The premium is calculated depending on the Sports or Activities. So for example, if you are going Cycling the quotes provided would be cheaper than if you have selected Horse Riding. The reason for this is the Provider has determined that Horse Riding is of higher risk of an accident or injury, than if you were Cycling.

Please Note: Any Sports or Activities online do not provide cover for Accidental Death & Disability Benefit or Personal Liability cover.

How many days can I do certain Sports and Activities under the JS Annual Insurance Policy ?

You can only take part in any one Sport or Activity for 90 days in the period of Insurance. A full list and any exceptions can be found in the Terms and Conditions.

How does the Underwriter and the Claims Department know that I have not been away for more than the trip duration stated on the Annual Travel Insurance Certificate ?

In fact they would not be aware of the trip details, as you do not need to let them know each time you take a trip. However they will ask your for travel details, such as flight tickets and accommodation receipts, if you need to make a claim.

If I take out an Annual Travel Insurance Policy and do not include any Sports or Activities, can I add them to the policy during the time the policy is valid ?

You can add a Sport or Activity at any time during the period of Insurance. You would need to contact us by email or by telephone before you take part in the Sport or Activity and we can amend the policy on your behalf.

What happens if I get an Annual European Travel Insurance Policy, but decide I might want to travel to the USA later in the year ?

You can change the Territorial Limits (which countries you will be travelling to) at any time whilst the policy is valid. You will need to call or email us with the request and we will let you know the extra premium that will required for the upgrade.

Am I limited to the number of claims that I can make on an JS Annual Travel Insurance policy on a trip or on different trips during the year ?

There are no limit to the number of claims that can be made on an JS Annual Travel Insurance policy. For example, you may need to make a claim for Medical Expenses on one trip and the theft of your Personal Baggage on another trip.

If I have purchased a JS Annual Travel Insurance policy and I have requested cancellation cover, when does the cancellation cover begin ?

Unlike a Single Trip policy, which covers Cancellation from the date of purchase, an Annual policy cover starts from the start date of the policy. So for example, if you purchase an Annual policy today and have put a start date for next week, then the Cancellation cover starts on that date.

What is the maximum amount of time between purchasing a policy (issue date) and its start date ?

You can select a start date for a JS Annual Travel Insurance policy up to 30 days from purchase date.

Pre Existing Medical Conditions

This type of policy might not be suitable if you have an ongoing Pre Existing Medical Condition. In most cases any Heart, Lung or Terminal condition, will not be covered on an Annual Travel Insurance policy and a Single Trip policy would be more appropriate.

Important Information

You must ensure that you are adequately supervised if you are taking part in any Sports or Activities, also that appropriate safety equipment is worn at all times and you do not participate in any Sports or Activity for more than 90 days in any one Period of Insurance.

This Travel Insurance is underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK. Travel Insurance Facilities are authorised and regulated by the Financial Conduct Authority. Union Reiseversicherung AG are authorised by BaFin and subject to limited regulation by the Financial Conduct Authority.


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