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Travelling more than once this year?

If you're going away more than once in a year, it's worth considering annual multi-trip travel insurance. Taking out this cover means you can travel without the worry, or the hassle, of getting cover every time you go.

Please note there’s a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you’re going to be away for longer, you can add our trip extension cover. This gives you an extended protection of 45 or 60 days, for an additional premium.

Woman holding her mobile up to her face on a video call with a male doctor looking back at her

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our annual multi-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Read our terms and conditions

Kids covered for free

If you buy a family annual multi-trip travel insurance policy, your children aged under 18 will be covered at no extra cost. All you have to do is name them on the policy, and confirm that they have no medical conditions. They’ll be covered even if they’re invited on holiday with another adult, such as a friend or relative

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Delayed departure (3)

You’re covered if your first outbound or final inbound international departure is delayed by 4 or more hours. As long as it matches certain reasons set out in the policy wording

Baggage

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

We also include protection for any unexpected personal liability and legal costs you might be charged while you're away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Economy

£125 excess

Insurance Product Information Document (IPID)

Emergency medical expenses and getting you back home

Up to £5 million

Cancellation and cutting short your trip

£1,000

Baggage (personal possessions)

£1,500

Money

Up to £250

Travel delay and missed departure

N/A

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to 45 or 60 days (terms apply)

Standard

£99 excess

Insurance Product Information Document (IPID)

Emergency medical expenses and getting you back home

Up to £10 million

Cancellation and cutting short your trip

£3,000

Baggage (personal possessions)

£2,000

Money

Up to £350

Travel delay and missed departure

Up to £750

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to 45 or 60 days (terms apply)

Premier

£50 excess

Defaqto 5 star award

Insurance Product Information Document (IPID)

Emergency medical expenses and getting you back home

Up to £15 million

Cancellation and cutting short your trip

£5,000

Baggage (personal possessions)

£3,000

Money

Up to £500 (4)

Travel delay and missed departure

Up to £1,500

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to, 45 or 60 days (terms apply)

Insurance Product Information Document (IPID)

Insurance Product Information Document (IPID)

Economy cover IPID

Insurance Product Information Document (IPID)

Standard cover IPID

Insurance Product Information Document (IPID)

Premier cover IPID

Emergency medical expenses and getting you back home

Emergency medical expenses and getting you back home

Up to £5 million

Emergency medical expenses and getting you back home

Up to £10 million

Emergency medical expenses and getting you back home

Up to £15 million

Cancellation and cutting short your trip

Cancellation and cutting short your trip

£1,000

Cancellation and cutting short your trip

£3,000

Cancellation and cutting short your trip

£5,000

Baggage (personal possessions)

Baggage (personal possessions)

£1,500

Baggage (personal possessions)

£2,000

Baggage (personal possessions)

£3,000

Money

Money

Up to £250

Money

Up to £350

Money

Up to £500 (4)

Travel delay and missed departure

Travel delay and missed departure

N/A

Travel delay and missed departure

Up to £750

Travel delay and missed departure

Up to £1,500

Trip limits and extensions

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to 45 or 60 days (terms apply)

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to 45 or 60 days (terms apply)

Trip limits and extensions

Trips of up to 31 days included. Extendable for an additional premium to, 45 or 60 days (terms apply)

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

  • Trip disruption cover

    This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

  • Excess waiver

    If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

  • Gadget cover

    Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

  • Winter sports cover

    Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

  • Cruise cover

    If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

  • Trip extensions

    Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

Woman wearing swimsuit, swim cap and water shoes running in shallow sea water with shingle beach

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777.

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Personal Finance Winner 2023 award

Best Travel Insurance Provider

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Bronze British Travel Awards 21/22 Best Company for Travel Insurance award

Best Travel Insurance Provider

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto expert rated Travel Insurance 5 star award

Defaqto 5-star cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

  • Policies purchased from 28 March 2024 onwards provide cover if:

    • You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
    • A medical practitioner certifies you as too ill to travel due to Covid-19
    • You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
    • You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

    If an insured trip has to be cut short, the unused portion of it can be claimed for if:

    • You, an immediate relative (6), or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

    There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment. If needed, we can also arrange to bring you back to the UK.

    There’s no other coronavirus cover on our policies, but for extra reassurance you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

    If you bought your policy with us between 31 March 2022 and 27 March 2024, some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

    Should the FCDO advise against all travel to your destination, there’s no cover under any section of the policy if you decide to travel.

    It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email travelinsurancefeedback@postoffice.co.uk.

    Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

  • This is a type of policy that covers you for multiple trips within one year.

    This is good for people who travel frequently and don’t want the expense of buying a new policy for each journey they take. Remember that if you travel to different parts of the world with each trip, you will need a policy that covers all of the areas you travel to.

    All our policies have a maximum 31-day trip duration limit. This can be extended up to 45 or 60 days for an additional premium.

  • Post Office offers three levels of travel insurance. These are economy, standard and premier.

  • Buying an annual multi-trip travel insurance policy may not be cheaper outright than a single-trip travel insurance policy. However, multi-trip insurance allows you to take as many trips as you like within the 365-period of the policy. You can take these trips in both the UK and overseas. So it can be more cost-effective and work out cheaper in the long run.

    Whether you’re popping abroad to watch the football, fancy a weekend shopping trip to Paris or are taking a two-week family holiday, if you expect to travel more than once in a year, it’s worth considering multi-trip cover.

  • The start date can be up to 31 days in advance. If you have a pre-booked trip and need cancellation cover, make the start of your policy the date you take it out, not the date your trip starts.

    The period of insurance is for 12 months. In that time you’re covered for each trip you book and undertake within that period, up to the maximum trip duration for your chosen policy.

  • You can cancel your policy within 14 days of receiving your insurance documents. But you can only cancel if you’ve not started a trip, made a claim or intend to make a claim. If you meet these criteria, we’ll give you a full refund.

    If you cancel after the 14-day cooling-off period, you won’t qualify for a refund. For annual multi-trip policies, the cancellation period is extended up to the start date of the policy, even if this is more than 14 days from the date you received your documents.

    However, we’ll consider any exceptional events that may allow us to repay you for any unused cover. These include bereavement, or an unexpected change to your policy that means we’re no longer able to carry on insuring you.

    The unused premium will be calculated on a sliding scale. You can find more information on this in your policy wording.

  • Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account. If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

  • Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account. You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

  • Read more travel insurance FAQs

Need some help?

Travel insurance help and support

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

  • Annual multi-trip cover

    • Cover for multiple-trips for a 12-month period
    • 31-day trip limit, with extensions available up to 45 and 60 days
    • Available for everyone aged up to 75 years  
  • Single-trip cover

    • Cover for a one-off trip in the UK or abroad (7)

    • Perfect for short or long trips for anywhere in the UK or abroad

    • No age limit

  • Backpacker cover

    • Cover for a one-off trip up to 18 months
    • Option to return home for up to 7 days on 3 occasions.
    • For people aged 18 – 60 wanting to travel the world for a gap year or career break

Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

Notes

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions. They’re covered even if they’re invited on holiday with another adult – such as a friend or relative – while you’re away enjoying your own.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home. If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

  • 365 days for those aged up to and including 70 years

  • 90 days for those aged between 71 and 75

  • 31 days for those aged 76 years and above