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Find cheap travel insurance with annual policies

Travel regularly and getting fed up with the amount you are spending on travel insurance? Even if you travel abroad just 3 times a year, your best option for cheap travel insurance is likely to be an annual policy.

It's normally just a matter of doing the sums, and checking the deals available at comparison websites like www.moneysupermarket.com or www.moneysavingexpert.com. It quickly becomes apparent that an annual travel insurance policy isn't just for the jetsetting few.

The cheapest annual travel insurance policies for a single under-50 traveller are on offer from Virgin Money (http://uk.virginmoney.com). Their premiums start at £17.41 for Europe-only cover and £25.49 for worldwide cover. These deals are only available if booked through moneysupermarket.com.

For an annual travel insurance policy with great customer feedback and high ratings from consumer groups, Direct Travel (www.direct-travel.co.uk) has policies starting from £24,48 for under-50s in Europe only. This offers £3,000 cancellation cover, £1,500 baggage cover and £10 million medical cover. Its £75 excess is among the lowest.

For travel in Europe, all tourists should ensure they have a free European Health Insurance Card (EHIC) which entitles the holder to medical treatment in state run hospitals in any EU country at the same cost as a resident, often free.

As always with travel insurance, over-50s will have to pay a little more, but for cheap travel insurance, annual policies can make even more sense, offering substantial savings on single trip premiums.

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