The Best Annual Travel Insurance Plans for 2025

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A. Fruchard
A. Fruchard updated on 8 July 2025
Table of Contents
  • The best annual travel insurance plans
  • What is annual travel insurance?
  • What is the price of annual travel insurance?
  • What annual travel insurance covers
  • The Conditions of Annual Travel Insurance
  • Why take out annual travel insurance?
  • How to choose the right annual travel insurance
  • Do your current insurance policies cover annual travel insurance?
  • FAQ
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annual travel insurance: key takeaways

1. Definition: Annual travel insurance provides cover for all your trips over a 12-month period, ideal for frequent travellers.
2. Price: An annual policy for Europe can cost from R2,500, often cheaper than insuring three separate trips.
3. Coverage: It typically covers medical emergencies and cancellations but often excludes pre-existing conditions and high-risk adventure sports.
4. Bank cards and health insurances: Bank cards and medical aids like Discovery offer limited cover, rarely including trip cancellation or full repatriation.
5. Tips: Check individual trip duration limits (e.g., 30 days) and ensure your specific destinations are fully covered.
6. Other useful info: Proof of valid travel insurance is often a mandatory requirement for South Africans applying for Schengen visas.

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Why trust HelloSafe ?

HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 39 travel insurance policies available in South Africa, our experts share here everything you need to know to choose the best annual travel insurance.

The best annual travel insurance plans

Here is a selection of the best annual travel insurance plans for residents of South Africa in 2025. These policies are among the best due to their high coverage limits, low deductibles, and straightforward terms for frequent travelers.

Contract we recommendMedical reimbursementDeductibleAdvantages
HelloTravel PremiumR2,000,000R500• Covers all worldwide destinations.
• No age-based pricing increase.
• Automatic renewal option.
• Family and business add-on benefits.
Cap Assistance 24/24R1,500,000R500• Mobile app for support anywhere.
• Free support number 24/7.
• Covers family travel.
• Direct payments to hospitals.
Tourist CardR1,800,000R750• Adventure sports coverage.
• Fast online claims.
• Discounts for couples and families.
• Flexible trip duration.
World TravelR1,200,000R600• Emergency evacuation specialists.
• 24/7 multilingual assistance.
• Extended trip duration up to 90 days.
• Online document delivery.
Globe PartnerR1,800,000R800• High-value item protection.
• Suitable for business travelers.
• Coverage for pre-existing conditions.
• Telemedicine consultations included.
Globe TravellerR1,500,000R500• Long stay trips covered.
• Premium unchanged after age 60.
• Support in multiple languages.
• Child and senior cover available.
HelloTravel Premium
Medical reimbursement
R2,000,000
Deductible
R500
Advantages
• Covers all worldwide destinations.
• No age-based pricing increase.
• Automatic renewal option.
• Family and business add-on benefits.
Cap Assistance 24/24
Medical reimbursement
R1,500,000
Deductible
R500
Advantages
• Mobile app for support anywhere.
• Free support number 24/7.
• Covers family travel.
• Direct payments to hospitals.
Tourist Card
Medical reimbursement
R1,800,000
Deductible
R750
Advantages
• Adventure sports coverage.
• Fast online claims.
• Discounts for couples and families.
• Flexible trip duration.
World Travel
Medical reimbursement
R1,200,000
Deductible
R600
Advantages
• Emergency evacuation specialists.
• 24/7 multilingual assistance.
• Extended trip duration up to 90 days.
• Online document delivery.
Globe Partner
Medical reimbursement
R1,800,000
Deductible
R800
Advantages
• High-value item protection.
• Suitable for business travelers.
• Coverage for pre-existing conditions.
• Telemedicine consultations included.
Globe Traveller
Medical reimbursement
R1,500,000
Deductible
R500
Advantages
• Long stay trips covered.
• Premium unchanged after age 60.
• Support in multiple languages.
• Child and senior cover available.

The best annual travel insurance will depend on your individual needs. We invite you to use HelloSafe’s travel insurance comparison tool to find the plan that suits you and subscribe directly online.

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What is annual travel insurance?

Annual travel insurance is a policy that provides continuous travel protection for multiple trips within a 12-month period.

It covers emergencies and travel risks such as medical expenses, trip cancellations, lost baggage, and personal liability every time you travel abroad during the policy year.

Annual travel insurance is different from single-trip insurance, as it covers all journeys under one contract and is also called multi-trip insurance.
This option is especially useful and cost-effective for frequent travellers from South Africa planning more than three trips per year.

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Expert advice

Here are the situations where taking out annual travel insurance is especially important if you live in South Africa:
- For those who travel more than twice a year.
- When you take frequent or last-minute business trips abroad.
- For regular trips to neighbouring countries like Botswana or Namibia.
- If you need a Schengen visa for multiple European trips.
- If you enjoy spontaneous getaways without administrative hassle.
- To save money over several single-trip policies per year.

What is the price of annual travel insurance?

On average, annual travel insurance costs between R2,500 and R15,000 per person for a year of cover, depending on destination, age, and the extent of coverage.

TripTrip cost (ZAR)Indicative price per person (ZAR)
3 business trips per year to London90,0002,500 to 4,200
Family holidays plus regional getaways (Mauritius, Botswana)60,0003,800 to 6,500
6-month round-the-world trip across Southeast Asia120,0008,500 to 15,000
Multiple visits to Australia (3 trips, 21 days each)110,0004,500 to 7,800
Indicative travel costs from South Africa.
3 business trips per year to London
Trip cost (ZAR)
90,000
Indicative price per person (ZAR)
2,500 to 4,200
Family holidays plus regional getaways (Mauritius, Botswana)
Trip cost (ZAR)
60,000
Indicative price per person (ZAR)
3,800 to 6,500
6-month round-the-world trip across Southeast Asia
Trip cost (ZAR)
120,000
Indicative price per person (ZAR)
8,500 to 15,000
Multiple visits to Australia (3 trips, 21 days each)
Trip cost (ZAR)
110,000
Indicative price per person (ZAR)
4,500 to 7,800
Indicative travel costs from South Africa.

These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.

The price of your annual travel insurance depends on several factors:

  • number and duration of trips: the more often you travel and the longer you stay, the higher the annual cost.
  • destinations: regions with expensive healthcare (like the USA, Japan, Australia) result in higher premiums.
  • traveller’s age: older travellers usually pay more due to increased health risks.
  • level of coverage: premium plans, higher medical limits, or business and adventure sports options cost extra.
  • family or group policies: family cover can be more cost-effective than separate individual policies.
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What annual travel insurance covers

Annual travel insurance is a single policy that covers you for multiple trips within a year. It provides continuous protection, making it practical for frequent or regular travelers.

Covered guaranteeDefinitionExpert advice
✈️ Trip cancellationRefunds non-refundable trip costs if you cancel for a covered reason before departure.We recommend a minimum cover of R25,000 and a deductible below R500.
Not covered: pre-existing conditions, visa refusal, or change of mind.
🚫 Missed departurePays extra costs if you miss a transport connection due to delay beyond your control.Aim for at least R2,000 with no deductible.
Not covered: your own lateness or missing the connection without official proof.
🧳 Baggage loss or theftCovers loss, theft, or damage to luggage during your trip.Choose at least R15,000 and avoid policies with a deductible over R400.
Unattended bags, valuables over the policy limit, and wear and tear are excluded.
🕒 Travel delayProvides fixed compensation for long delays in departure or transit.Make sure compensation is at least R1,000 for 4+ hour delays. There should be no deductible.
Delays under 4 hours or without written confirmation are not covered.
🏥 Emergency medical expenses abroadKey guarantee. Pays for sudden and urgent medical treatment overseas.Minimum of R1.5M recommended and deductible no more than R500.
Excludes routine care, ongoing treatment, and some pre-existing conditions.
🚑 Medical repatriationKey guarantee. Covers emergency transport home if medically necessary.Seek unlimited cover or at least R2M; must be arranged by the insurer.
Claims may be denied if you travel against medical advice.
🦷 Emergency dental treatmentPays urgent dental expenses during a trip.At least R5,000 recommended and deductible below R200.
Excludes cosmetic work, routine treatment, and planned procedures.
🪪 Personal liability abroadPays for claims if you injure others or damage their property while travelling.Cover of R1M or more is advised. Deductibles under R1,000 are ideal.
Damage to family members or rented items is often excluded.
⚖️ Legal assistance abroadCovers lawyer’s fees if you face legal issues abroad.Minimum R10,000 is practical for legal costs; higher for bail bonds.
Alcohol-related or criminal acts are not insured.
💔 Trip interruptionRefunds unused parts of the trip if you must return home early due to a covered event.Minimum cover of R7,500 and deductible under R500.
Not covered: voluntary returns, minor inconveniences, or non-medical reasons.
Overview of travel insurance guarantees and expert recommendations.
✈️ Trip cancellation
Definition
Refunds non-refundable trip costs if you cancel for a covered reason before departure.
Expert advice
We recommend a minimum cover of R25,000 and a deductible below R500.
Not covered: pre-existing conditions, visa refusal, or change of mind.
🚫 Missed departure
Definition
Pays extra costs if you miss a transport connection due to delay beyond your control.
Expert advice
Aim for at least R2,000 with no deductible.
Not covered: your own lateness or missing the connection without official proof.
🧳 Baggage loss or theft
Definition
Covers loss, theft, or damage to luggage during your trip.
Expert advice
Choose at least R15,000 and avoid policies with a deductible over R400.
Unattended bags, valuables over the policy limit, and wear and tear are excluded.
🕒 Travel delay
Definition
Provides fixed compensation for long delays in departure or transit.
Expert advice
Make sure compensation is at least R1,000 for 4+ hour delays. There should be no deductible.
Delays under 4 hours or without written confirmation are not covered.
🏥 Emergency medical expenses abroad
Definition
Key guarantee. Pays for sudden and urgent medical treatment overseas.
Expert advice
Minimum of R1.5M recommended and deductible no more than R500.
Excludes routine care, ongoing treatment, and some pre-existing conditions.
🚑 Medical repatriation
Definition
Key guarantee. Covers emergency transport home if medically necessary.
Expert advice
Seek unlimited cover or at least R2M; must be arranged by the insurer.
Claims may be denied if you travel against medical advice.
🦷 Emergency dental treatment
Definition
Pays urgent dental expenses during a trip.
Expert advice
At least R5,000 recommended and deductible below R200.
Excludes cosmetic work, routine treatment, and planned procedures.
🪪 Personal liability abroad
Definition
Pays for claims if you injure others or damage their property while travelling.
Expert advice
Cover of R1M or more is advised. Deductibles under R1,000 are ideal.
Damage to family members or rented items is often excluded.
⚖️ Legal assistance abroad
Definition
Covers lawyer’s fees if you face legal issues abroad.
Expert advice
Minimum R10,000 is practical for legal costs; higher for bail bonds.
Alcohol-related or criminal acts are not insured.
💔 Trip interruption
Definition
Refunds unused parts of the trip if you must return home early due to a covered event.
Expert advice
Minimum cover of R7,500 and deductible under R500.
Not covered: voluntary returns, minor inconveniences, or non-medical reasons.
Overview of travel insurance guarantees and expert recommendations.

Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.

To find the annual travel insurance best suited to your needs, compare plans and guarantees easily on HelloSafe.

The Conditions of Annual Travel Insurance

Annual travel insurance is valid only when certain conditions are met by the policyholder. These are the main application conditions in South Africa.

  • Residency requirement: you must be living in South Africa at the time of purchasing the annual policy.
  • Start date compliance: coverage is valid only from the policy’s official start date, not before.
  • Trip frequency limit: you are covered for multiple trips each year, usually unlimited, but only if each trip fits within specified day limits.
  • Maximum trip duration: individual trips are usually limited to 30, 60, or 90 days per journey under an annual plan.
  • Return requirement: you must return to South Africa between trips for coverage to reset for the next journey.
  • Covered destinations: only travel to destinations included in your policy is insured, certain countries may be excluded due to risk.
  • Incident notification: you must notify your insurer promptly if an incident or claim occurs during your travels.
  • Compliance with exclusions: claims caused by high-risk activities, pre-existing conditions, or events excluded in the policy are not covered.
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Watch out!

A key misunderstanding: an 'annual' policy doesn't cover a single year-long trip. It covers multiple trips, but each has a maximum duration, like 90 days. Staying longer than your policy's per-trip limit means you are uninsured for that part of your journey. Always check this limit.

Why take out annual travel insurance?

While travelling abroad, even minor health incidents can result in unexpectedly high costs, far exceeding your trip expenses, especially in private healthcare systems.
Here are some examples of healthcare costs abroad:

Type of treatmentAverage costCovered by insurance
Foot sprain (X-ray and consultation)
  • Europe: R3,500
  • North America: R8,500
  • Asia: R1,800
Up to R2,000,000
Medical repatriation
  • Europe: R180,000
  • North America: R350,000
  • Asia: R220,000
Up to R5,000,000
Appendicitis surgery and hospitalisation
  • Europe: R85,000
  • North America: R280,000
  • Asia: R45,000
Up to R2,000,000
Stitches after a fall
  • Europe: R2,800
  • North America: R6,200
  • Asia: R1,200
Up to R2,000,000
Consultation and treatment for an intestinal infection
  • Europe: R4,200
  • North America: R9,800
  • Asia: R2,500
Up to R2,000,000
Comparison of average medical costs and insurance coverage for common treatments abroad.
Foot sprain (X-ray and consultation)
Average cost
  • Europe: R3,500
  • North America: R8,500
  • Asia: R1,800
Covered by insurance
Up to R2,000,000
Medical repatriation
Average cost
  • Europe: R180,000
  • North America: R350,000
  • Asia: R220,000
Covered by insurance
Up to R5,000,000
Appendicitis surgery and hospitalisation
Average cost
  • Europe: R85,000
  • North America: R280,000
  • Asia: R45,000
Covered by insurance
Up to R2,000,000
Stitches after a fall
Average cost
  • Europe: R2,800
  • North America: R6,200
  • Asia: R1,200
Covered by insurance
Up to R2,000,000
Consultation and treatment for an intestinal infection
Average cost
  • Europe: R4,200
  • North America: R9,800
  • Asia: R2,500
Covered by insurance
Up to R2,000,000
Comparison of average medical costs and insurance coverage for common treatments abroad.

Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.

In addition to medical expenses, annual travel insurance also covers many other risks: trip cancellation or curtailment, lost or stolen luggage, personal liability abroad, repatriation assistance and services such as teleconsultation or emergency payment advances.

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Good to know

Taking more than two trips this year? An annual policy saves you time and money. Get comprehensive cover for all your travels—from medical emergencies to lost baggage. With support from insurers like Chapka, you can travel with complete peace of mind, trip after trip.

How to choose the right annual travel insurance

Coverage and services can vary widely in annual travel insurance, with differences in reimbursement ceilings, deductibles, and trip duration limits. Knowing which criteria to compare helps you select truly useful guarantees for your needs in South Africa.

CriterionWhy it mattersExpert tip
💶 Reimbursement limitsDetermines the maximum amount paid for claims per year or incidentSelect medical coverage of at least R1,000,000 for international annual plans
📉 DeductibleThis is the out-of-pocket sum you pay per claimOpt for the lowest possible deductible to avoid high unexpected expenses while abroad
📋 Policy conditionsUnclear rules can lead to denied coverage during claimsReview exclusions and waiting periods for each guarantee to avoid surprises later
👵 Traveller’s ageCan affect eligibility and priceEnsure your insurer offers cover with fair premiums and minimal restrictions for age
👨‍👩‍👧 Traveller profileSingles, couples, or families have different needsFamily policies are often better value for couples or families travelling together
📆 Trip durationAnnual policies limit consecutive days per tripCheck if the policy matches your longest planned journey, usually 30-90 days max
🌍 Geographic areaGlobal or regional coverage affects payout and priceChoose “worldwide” if any trip includes North America, since costs are highest there
🛡️ Existing coverageDouble-insuring may waste money or cause disputesCheck if your private health or bank card already covers travel emergencies
🧗 Planned activitiesRisky sports or work trips may be excludedDeclare all activities like skiing or business to ensure full protection
💶 Reimbursement limits
Why it matters
Determines the maximum amount paid for claims per year or incident
Expert tip
Select medical coverage of at least R1,000,000 for international annual plans
📉 Deductible
Why it matters
This is the out-of-pocket sum you pay per claim
Expert tip
Opt for the lowest possible deductible to avoid high unexpected expenses while abroad
📋 Policy conditions
Why it matters
Unclear rules can lead to denied coverage during claims
Expert tip
Review exclusions and waiting periods for each guarantee to avoid surprises later
👵 Traveller’s age
Why it matters
Can affect eligibility and price
Expert tip
Ensure your insurer offers cover with fair premiums and minimal restrictions for age
👨‍👩‍👧 Traveller profile
Why it matters
Singles, couples, or families have different needs
Expert tip
Family policies are often better value for couples or families travelling together
📆 Trip duration
Why it matters
Annual policies limit consecutive days per trip
Expert tip
Check if the policy matches your longest planned journey, usually 30-90 days max
🌍 Geographic area
Why it matters
Global or regional coverage affects payout and price
Expert tip
Choose “worldwide” if any trip includes North America, since costs are highest there
🛡️ Existing coverage
Why it matters
Double-insuring may waste money or cause disputes
Expert tip
Check if your private health or bank card already covers travel emergencies
🧗 Planned activities
Why it matters
Risky sports or work trips may be excluded
Expert tip
Declare all activities like skiing or business to ensure full protection
Compare the best travel insurance for freeI compare

Do your current insurance policies cover annual travel insurance?

It is legitimate to wonder if your current insurances like credit card insurance or the public health system can offer you an annual travel insurance, but unfortunately it is often not enough. Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceAnnual travel insurance included?What it coversWhy Travel Insurance is better
Public health insurance (Discovery Health)Almost NeverEmergency medical abroad up to R100,000. Evacuation up to R500,000.
No baggage protection, cancellation, personal liability, or global coverage is provided.
Travel insurance offers up to R2,000,000 for medical, baggage, and trip cancellation. Includes worldwide coverage.
Private health insurance (Momentum Health, Bonitas)Almost NeverEmergency treatment abroad up to R75,000 to R100,000.
No repatriation, trip disruption, or full overseas medical cover.
Travel insurance covers repatriation, all-risk overseas care. Up to R2,000,000 and 24/7 global support.
Classic credit card (FNB Gold, Standard Bank Silver)NeverBasic emergency assistance or medical, up to R50,000.
No trip cancellation, baggage protection, or extended medical claims.
Travel insurance reimburses up to R2,000,000. Includes trip cancellation, delays, liability, and lost baggage.
Premium credit card (FNB Premier, Nedbank Private Wealth)Limited coverageMedical emergencies up to R300,000. Baggage delay up to R10,000.
No trip cancellation, family coverage, or high-value item protection.
Travel insurance protects all family members and high-value items. Up to R2,000,000 for trip risks.
A comparison of different types of insurance and their travel coverage benefits versus dedicated travel insurance.
Public health insurance (Discovery Health)
Annual travel insurance included?
Almost Never
What it covers
Emergency medical abroad up to R100,000. Evacuation up to R500,000.
No baggage protection, cancellation, personal liability, or global coverage is provided.
Why Travel Insurance is better
Travel insurance offers up to R2,000,000 for medical, baggage, and trip cancellation. Includes worldwide coverage.
Private health insurance (Momentum Health, Bonitas)
Annual travel insurance included?
Almost Never
What it covers
Emergency treatment abroad up to R75,000 to R100,000.
No repatriation, trip disruption, or full overseas medical cover.
Why Travel Insurance is better
Travel insurance covers repatriation, all-risk overseas care. Up to R2,000,000 and 24/7 global support.
Classic credit card (FNB Gold, Standard Bank Silver)
Annual travel insurance included?
Never
What it covers
Basic emergency assistance or medical, up to R50,000.
No trip cancellation, baggage protection, or extended medical claims.
Why Travel Insurance is better
Travel insurance reimburses up to R2,000,000. Includes trip cancellation, delays, liability, and lost baggage.
Premium credit card (FNB Premier, Nedbank Private Wealth)
Annual travel insurance included?
Limited coverage
What it covers
Medical emergencies up to R300,000. Baggage delay up to R10,000.
No trip cancellation, family coverage, or high-value item protection.
Why Travel Insurance is better
Travel insurance protects all family members and high-value items. Up to R2,000,000 for trip risks.
A comparison of different types of insurance and their travel coverage benefits versus dedicated travel insurance.
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Expert advice

Your bank card or medical aid often excludes critical situations like trip interruption due to a relative’s illness. Read the fine print carefully to avoid nasty surprises abroad. In all cases, it is safer and more reassuring to subscribe to dedicated travel insurance tailored to your trip.

FAQ

Is annual travel insurance mandatory?

Annual travel insurance is not mandatory for most trips, but certain countries require proof of medical coverage for visa applications. For instance, Schengen states ask for travel insurance when applying for a visa. Even when not required, it is strongly recommended. A common scenario is falling ill abroad and facing high medical bills, which can be financially devastating without insurance.

When is it recommended to purchase annual travel insurance?

It is best to purchase annual travel insurance before your first planned trip of the year to ensure maximum coverage. Early purchase secures immediate protection against trip cancellation and medical emergencies. Buying in advance is also more cost-effective for frequent travelers, as it covers all journeys for twelve months.

How do I purchase annual travel insurance?

Start by comparing options via HelloSafe’s travel insurance comparison platform to find the best policies and prices. Next, carefully check the guarantees and exclusions specific to annual coverage, such as trip duration and regions covered. Once satisfied, purchase your chosen policy online. You will then receive your certificate immediately by email.

Can I purchase annual travel insurance after booking my flights?

Yes, you can purchase annual travel insurance at any time, even after booking your flights or accommodation. However, to benefit from trip cancellation protection and certain pre-departure guarantees, it is advisable to take out cover before making final bookings. Coverage for medical emergencies and baggage begins from the policy start date.

How do I make a claim on annual travel insurance?

To make a claim, contact your insurer as soon as possible, ideally within 24 hours of the incident. You will need to provide relevant documents such as proof of travel, receipts, medical reports, or police statements. Most South African insurers now offer the option to submit claims online or via dedicated mobile apps for faster processing.

Does annual travel insurance cover all countries?

Most annual travel insurance policies offer worldwide coverage, but you should always check if there are specific exclusions. Destinations that are under travel advisories, war zones, or high-risk regions may be excluded. Always ensure your chosen policy provides full protection for all the countries you plan to visit during the policy year.

Is COVID-19 covered under annual travel insurance?

Yes, most annual travel insurance policies now include coverage for COVID-19-related medical expenses and trip cancellations. Check that your policy covers emergency medical treatment, quarantine costs, and cancellations due to testing positive. Some benefits may vary, so always review the policy wording for full details before you buy.

Is annual travel insurance mandatory?

Annual travel insurance is not mandatory for most trips, but certain countries require proof of medical coverage for visa applications. For instance, Schengen states ask for travel insurance when applying for a visa. Even when not required, it is strongly recommended. A common scenario is falling ill abroad and facing high medical bills, which can be financially devastating without insurance.

When is it recommended to purchase annual travel insurance?

It is best to purchase annual travel insurance before your first planned trip of the year to ensure maximum coverage. Early purchase secures immediate protection against trip cancellation and medical emergencies. Buying in advance is also more cost-effective for frequent travelers, as it covers all journeys for twelve months.

How do I purchase annual travel insurance?

Start by comparing options via HelloSafe’s travel insurance comparison platform to find the best policies and prices. Next, carefully check the guarantees and exclusions specific to annual coverage, such as trip duration and regions covered. Once satisfied, purchase your chosen policy online. You will then receive your certificate immediately by email.

Can I purchase annual travel insurance after booking my flights?

Yes, you can purchase annual travel insurance at any time, even after booking your flights or accommodation. However, to benefit from trip cancellation protection and certain pre-departure guarantees, it is advisable to take out cover before making final bookings. Coverage for medical emergencies and baggage begins from the policy start date.

How do I make a claim on annual travel insurance?

To make a claim, contact your insurer as soon as possible, ideally within 24 hours of the incident. You will need to provide relevant documents such as proof of travel, receipts, medical reports, or police statements. Most South African insurers now offer the option to submit claims online or via dedicated mobile apps for faster processing.

Does annual travel insurance cover all countries?

Most annual travel insurance policies offer worldwide coverage, but you should always check if there are specific exclusions. Destinations that are under travel advisories, war zones, or high-risk regions may be excluded. Always ensure your chosen policy provides full protection for all the countries you plan to visit during the policy year.

Is COVID-19 covered under annual travel insurance?

Yes, most annual travel insurance policies now include coverage for COVID-19-related medical expenses and trip cancellations. Check that your policy covers emergency medical treatment, quarantine costs, and cancellations due to testing positive. Some benefits may vary, so always review the policy wording for full details before you buy.

A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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