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Annual Multi-Trip Travel and Holiday Insurance

Annual travel and holiday insurance designed for people with pre-existing conditions by medical travel insurance experts

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Medical Cover

Medical Cover

Medical Cover

Cancellation Cover

Medical Cover

Baggage Cover

Medical Cover

from £50
Policy Excess

View our policy benefits and cover limits

Benefit (excess) Silver Gold Platinum
Cancellation & Curtailment £1,500 (£100) £5,000 (£75) £10,000 (£50)
Emergency Medical & Repatriation £5,000,000 (£100) £10,000,000 (£75) £10,000,000 (£50)
Missed Departure £750 (£100) £1,000 (£75) £1,250 (£50)
Baggage and Personal Belongings £750 (£100) £1,000 (£75) £2,000 (£50)

Cover limits are per person, per trip.

View our policy wording and full list of cover benefits


Annual multi-trip insurance cover

An annual multi trip policy is the perfect option if you have several trips planned or simply want a policy that gives you the flexibility to travel where you want, when you want without the extra job of arranging travel insurance for each trip.

We offer a range of annual travel insurance options with a maximum trip length of either 31 days for clients up to the age of 79. For clients under the age of 75, we can extend this duration to 45 days per trip for an additional premium which will be presented during the quote journey. If you need to add this option during the course of your policy after booking a slightly longer trip, please give us a call and we'll do our best to accommodate.

The following annual multi-trip policies are available:

  • UK including Channel Islands
  • Europe (excluding Israel & Egypt)
  • Rest of the World (excluding USA, Canada, Mexico and Caribbean)
  • Worldwide 

If you aren't quite sure whether single or annual cover is right for you, call our travel insurance agents on 01223 446 914. We'll run through several different options with you, comparing cover benefits, destinations and premiums to find the right option for your individual plans. With Freedom, you can obtain a comprehensive insurance policy including pre-existing medical conditions, cancellation cover, emergency medical and a whole host of additional activities to give you peace of mind for an entire year! 

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Get the Freedom to travel with cover for your pre-existing medical conditions

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OR 01223 446 914

Annual medical multi-travel insurance for people with pre-existing conditions

If your holiday plans include your partner and family, we can tailor policies to ensure you are all covered, saving you both time and money. You can also cover all family members on the same policy, which will also cover them travelling individually. It's a good idea to be insured together on the same policy, giving everyone the same cover benefits. If one of you is unable to travel due to a change in medical circumstances, all travellers will be covered to make the same cancellation claim subject to our policy terms and conditions.

On our annual policies you can choose to extend the maximum trip length from 31 to 45 days per trip (up to the age of 75).

Cover is available for a range of activities, all of which are covered as standard. If you are planning winter sports activities or cruising, be sure to add these options to your travel insurance quote. Freedom offer cancellation cover that varies from £1,500 to £10,000 per trip meaning that you can select a policy which is suitable for each individual trip and only pay for the cover you really need.

Trusted by thousands of travellers with medical conditions

"Excellent company and great service. I have used Freedom for many years. Peace of mind that we are covered for medical conditions and can enjoy our holiday. Very easy to use, online quotes and staff on the phones are very helpful, thanks."

Trusted Customer

Applying for annual pre-existing medical travel and holiday insurance

You can apply here online or over the telephone; it’s quick, simple and totally confidential. To provide you with a quote, you’ll need to let us know where you are travelling to and for how long. Make sure to declare any pre-existing medical conditions that apply to you and anyone else on the policy.

You will be guided through a medical screening questionnaire, where a series of relevant questions will be asked to assess your health. These questions should be answered accurately and to the best of your knowledge.

You will then be presented with the available policy options, which include cover for declared medical conditions as well as cover for cancellation, baggage, personal accident and lots more.

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Get An Online Quote

OR 01223 446 914

Our team of friendly, medically aware travel insurance agents are here to help


Flexible travel for either 31 or 45 days per trip

At the time of booking your insurance you'll be able to select either 31 or 45 days per trip on annual policies 


Activity cover

Our annual policies automatically include cover for a range of activities with extra options and winter sports available for an additional premium



We can offer annual policies for the UK, Europe, Rest of the World or Worldwide (definitions can be found in our policy wording)

Medical travel insurance frequently asked questions

We use a medical risk assessment tool to enable us to provide you with a quote. You will be asked a number of questions about your medical status. From the information provided we will base our quotes on your health status.

As we operate an on-going medical warranty, you will need to inform us of any health changes that occur between your quotation/purchase date and the date of travel. We may be required to ask additional questions to ensure your travel insurance is up to date and fully covering you for the trip.

Yes. Our whole aim is to cover you fully, if you do not declare all of your pre-existing medical conditions then you will not be fully covered in the event of a claim and risk invalidating your insurance