Annual Travel Insurance

Multi-trip insurance from just £27.95*

Stay covered for a year's worth of travel: take as many trips as you like, for up to 21 days at a time

  • Choose from 4 cover levels
  • Medical emergencies
  • Baggage & possessions
  • Cancellation & curtailment

*For European Economy level cover for an individual aged between 18 and 35.
Exclusions, limitations & excesses apply.

Want Annual Travel Insurance?

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What's covered?*

Excesses, exclusions & limitations apply – scroll down for more details

Medical emergencies

 Up to £10 million


 Up to £10,000


  Up to £500

Personal luggage

 Up to £3,000

Missed departure**

 Up to £1,500


  Up to £525 

 *All coverage maximums listed apply to the Premier PLUS cover level.

**Not covered under Economy cover level.


Before you buy

Key features

Details about our Annual Travel Insurance

Unlimited trips

Got a busy year of travel coming up? With our annual multi-trip insurance, you can take as many trips as you like throughout the year.


Each individual trip is limited to 21 days in length. For longer trips, an additional premium can be paid to extend the trip coverage to 31, 45 or 62 days by calling 0343 658 0253.

Delay & missed departures

Taking lots of trips throughout the year means you're almost bound to come up against issues – good thing we offer you cover you against delays, as well as other problems that are out of your control, like total holiday abandonment and missed departures.


Delays and missed departures are not covered by Economy level policies. Flights, sea crossings or coach/train journeys must be delayed for 12+ hours as a direct result of industrial action, adverse weather or mechanical breakdown of the vehicles involved.

Cancellation & curtailment cover

Don't take chances when it comes to costly cancellations. If you’re forced to cancel your international travel, abandon it due to a delay or even cut your trip short once you've arrived, you will be covered between £1,500 and £10,000 (depending on your cover level).


Applies in the result of unforeseen events as detailed in the terms and conditions.

Baggage & possessions cover

Don't get caught without a safety net if your personal luggage, passport or money gets lost, damaged or stolen – our annual protection covers you for up to £3,000.


£3,000 maximum cover applicable for Premier PLUS cover level – maximums are £1,500 on Economy or Standard and £2,000 on Premier. Single item limits apply.


What you'll have to pay for an approved claim. Swipe the table left and right to see all excesses.

Cover levelEconomyStandardPremierPremier PLUS
All claims*£150£100£85Nil

*Some elements of cover carry a zero excess at all levels – click the link below for full details. Our Excess Waiver add-on can be purchased for an additional premium and reduces all excesses to zero.

See full details >

Terms & Conditions      Contact us    Summary of Cover

Compare our cover levels – a year's worth of European travel*









Premier PLUS


Frequently asked questions

What is an "excess fee"?
Tap to read answer

Unless you have purchased ‘Premier PLUS’ cover, most sections of the policy carry an "excess fee". This is the amount you will have to pay – separate from your premium – if you make a claim which is approved. The amount may vary depending on the level of cover you have chosen, and is applicable per person, per section.

How can I pay for my policy?
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We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express credit and debit cards. We can also accept cheques, but only for policies over the value of £100. The policy will not be set up until the cheque has been cleared through our bank. Cheques should be sent to:

PYB Travel Insurance,
Griffin House,
135 High Street,
Crawley RH10 1DQ

If you have questions, please contact us on 0343 658 0253.


What are the main exclusions and conditions of this policy?
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You will not be eligible for coverage if:

  • You’re 66 years of age or older;
  • You live outside of the UK, or have spent more than six months abroad in the year prior to attempting to purchase a policy;
  • You’re planning on travelling against the advice of a medical practitioner.

There are also a number of limitations on cover and different policy exclusions depending upon which level of cover is taken out – please see the Travel Insurance Terms and Conditions for full details.

How is my policy delivered?
Tap to read answer

Your policy certificate will be emailed directly to your email address shortly after being issued. Please note that some Internet providers filter our automated emails as spam, so be sure to check your spam/junk folder if the email has not been received.

Are there different policies for single and multiple trips?
Tap to read answer

Single Trip policies allow for trips up to 365 days in duration(except for trips within the UK, where the maximum duration is 91 days). Annual Multi-trip policies allow you to travel multiple times within one year, with maximum duration of 21 days for each individual trip you take. Upon payment of an appropriate additional premium, you can extend this to 31, 45 or 62 days per trip, by calling 0343 658 0253.

Am I covered if my plans change?
Tap to read answer

Yes – but if your travel arrangements change, then you must call us immediately on 0343 658 0253 to ensure that we are aware of the changes and can evaluate whether cover needs to be extended or any additional premium is required. You must be able to provide the correct period of insurance on your documentation in the event of a claim.

What if my bag is stolen with all my travel documents and money whilst I am travelling?
Tap to read answer

You must report any theft or losses to the local police or relevant authority within 24 hours of the event and obtain a written report or confirmation. These reports are the only proof that the loss/theft actually occurred. Without them, we cannot make any payment to you. If you leave luggage and personal items unattended in a public place then we won’t be able to approve your claim. See the key exclusions and conditions within the policy Terms and Conditions for more details.

How to claim

  1. In the event of a medical emergency while you are travelling, please call our medical emergency team at Healix International on +44 (0)343 658 0205 – this number is available 24 hours a day.
  2. 2. All non-emergency claims must be made once you have returned from your trip and notified within 28 days of your return on a policy claim form, accompanied by original invoices, receipts, reports, etc. It is advisable to keep copies of all forms you submit to us.
  3. To make a claim, first check your Certificate of Insurance and the appropriate Section of the policy to make sure that what you are claiming for is covered under your policy.
  4. Then call our dedicated claims team at Claims Settlement Agencies on 01702 553 443 or email


More about Annual Travel Insurance

Cover for a year's worth of travel

You've got multiple trips planned for the upcoming year, whether they be for business or pleasure.

But a year's worth of travelling can also bring a year's worth of headaches – in the form of delays, cancellations, lost baggage, accidents, illnesses and more. And the money and time spent to fix them can ruin your holiday.

Protect your plans

There's good news, though: annual multi-trip insurance from Protect Your Bubble keeps you covered for as many trips as you need over the next year, for a conveniently affordable price. 

You can choose from four cover levels to get the policy that suits your travel needs, and even select from additional add-ons like golf, winter sports and business travel cover for even more protection.

And all of our policies come with access to a 24/7 medical emergency helpline, along with up to £10 million in cover for medical emergencies. 

Does Annual Travel Insurance sound like a smart choice? Get started by getting a quote.

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