Annual Travel Insurance

  • Safe & Secure Online Bookings
  • Protect Multiple Trips for 12 Months
  • UK, Europe & Worldwide Trips
  • 3 Cover Levels Available
  • UK Emergency Assistance Line

Travel Safely With Annual Travel Insurance

Choose a service provider that is well known for helping travellers make sure their holidays go smoothly. That includes ensuring that they are well protected with the proper travel insurance package whether you are staying in the UK, or travelling to Europe or Worldwide.

What Insurance Cover Do I Get?

Annual Travel Insurance provides you with year-long protection (12 months). You are protected for any trips of up to 45 days as long as you have a Silver or Gold policy level. This policy is even available for UK trips, where you have paid or are expected to pay for at least two nights stay in a hotel, motel, bed and breakfast (B&B) or similar lodgings. You will be able to enjoy protected trips to England, Northern Ireland, Scotland, Wales, The Isle of Man, and the Channel Islands.

Top Tip! We compare some key features of Annual Insurance as is available on our 3 cover levels - Bronze, Gold and Silver. Find out which is best for your year-long Travel Insurance.

When you select Europe as a destination, your policy becomes valid for Europe, including the Mediterranean Islands, the Canary Islands (Gran Canaria), Morocco, Tunisia, Madeira, the Azores and Iceland.

Worldwide cover is available to aspiring globe-trotters. The destinations that your cover is valid for include those mentioned above and all other countries that have not been issued with travel bans or warnings by the Foreign Common Wealth Office (FCO). Your worldwide cover can be tailored to include the USA and Caribbean Islands or to exclude them.

Which Cover Level Is Right For Me?

At Thomas Cook, we have 3 very distinct holiday insurance cover levels. These are called Bronze, Silver and Gold cover levels. They provide different cover amounts, with Silver having more features than Bronze and Gold being the most comprehensive. The table below highlights some of the key features available.

Annual Insurance Policy Features and Cover limits
Feature Gold Silver Bronze
Medical Expenses Up to £10 million Up to £5 million Up to £2.5 million
Personal Liability Up to £2 million Up to £1 million Up to £500,000
Personal Accident Up to £60,000 Up to £30,000 Up to £15,000
Cancellation or Curtailment Up to £10,000 Up to £5,000 Up to £2,500
Legal Expenses
  • per person
  • per policy
  • Up to £50,000
  • Up to £100,000
  • Up to £25,000
  • Up to £50,000
  • Nil
  • Nil
Missed Departure Up to £1,500 Up to £1,000 Nil
Failure of Carrier Up to £1,500 Nil Nil
Hijack Up to £1,000 Nil Nil
Loss of Hotel Facilities Up to £150 Nil Nil

How Else Can I Tailor My Policy

Now that you have Annual Travel Insurance cover and have selected the appropriate cover level, you should consider tweaking your policy to include cover for those extra activities or specialist trips. Thomas Cook offers the following extras to beef up your package:

We guarantee that our Annual Travel Insurance will be the perfect crutch for whatever kind of holiday slip-up you may encounter. Remember to book your travel insurance online - it will bring even greater savings your way. Get going with our easy online booking system via the quote form above.

Emergency Assistance

We are fully committed to safeguarding our customers on holiday. With this in mind, we offer 24 hour help and support.

You can benefit from emergency assistance 24 hours a day, 365 days a year by calling our multilingual service at +44 (0)173 340 2046, from anywhere in the world.


Can We Help You?

Our booking system is quick and straightforward. Three simple steps are all it takes to arrange your comprehensive travel insurance:

  1. Select your trip type, destination and policy start and end dates in our quote form
  2. We'll load your quote and offer you various cover level options. Simply choose your favourite!
  3. Enter your payment details. A confirmation will be emailed to you within seconds

Need extra support? Our experienced travel team is happy to help with arranging your travel insurance whenever you need it. Just contact us with any queries - we would be delighted to help you.

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Thomas Cook Retail Limited is an Appointed Representative of White Horse Insurance Ireland dac, which is authorised by the Central Bank of Ireland. Thomas Cook travel insurance is underwritten by White Horse Insurance Ireland dac. To check this you may visit

Thomas Cook Registered Office: Westpoint, Peterborough Business Park, Lynch Wood, Peterborough, PE2 6FZ. Company registration no: 00102630. Telephone calls may be monitored or recorded.