Redwood Travel Insurance

Travel Insurance Key Facts

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Travel Insurance Policy Wording

Annual Holiday Travel Insurance

Quotes for annual holiday travel insurance are available online

Maximum days per trip for annual travel insurance

An annual travel insurance policy has a maximum days per trip, but usually allows as many trips as practical, some policies set a total time abroad as 182 days, ensuring the traveller resides in the UK for at least half a year.

The options available on our annual travel insurance are 31, 45, 61 and 93 days (in effect one month, one and a half, two or three months). The maximum length (available for travellers right up to 74) ensures suitability for many of the elderly who are frequent travellers.

Age limits for annual travel insurance

Our annual travel insurance policy is split into several age bands ensuring that each pays a proportionate premium commensurate with the risk. Typical rates for the under 50 are shown on this page, but the exact premiums depend on options selected e.g. high-risk activities, golf, business equipment and whether cancellation cover or baggage cover is essential.

Independent Travel

This annual travel insurance permits independent travel. Children and/ or parents are covered even if the whole party does not travel. This ensures suitability to cover school trips etc. (Family and couple rates are substantially less than two individuals. In effect children are covered free.)

Summary of Travel Insurance Contract Limits

Economy Bronze Silver Gold

Winter Sports

The policy includes winter sports cover automatically.  This is not a specialist winter-sports insurance policy. If undertaking an unusual winter sport activity not listed is a possibility please refer to us.

Annual Travel Insurance for the businessman

The annual travel insurance may be extended to include business equipment and other benefits.

  • Business Equipment: 1,000.00 - Single item limit: 500.00
  • Computer Equipment: 1,500.00
  • Business Samples: 500.00
  • Delayed Business Equipment: 200.00
  • Business Equipment Hire: 50.00 per day up to 500.00
  • Business Money: 1,000.00 - cash limit 500.00
  • Personal accident benefits doubled.

Typical Premiums

All premiums displayed include insurance premium tax (currently 20%) and are for travellers aged under 50 on policy inception. Older travellers can obtain cheap rates and compare our other travel insurance premiums. Other than the economy policy, cancellation (save 20%) and luggage (save 15%) cover can be deleted

Annual Travel Insurance Rates

Days Region Party Economy Bronze Silver Gold
31 Europe Single 21.70 31.91 37.54 45.04
31 Europe Couple 32.55 47.87 56.32 67.58
31 Europe Family 41.23 60.63 71.33 85.59
31 Worldwide Single 31.00 45.59 53.63 64.36
31 Worldwide Couple 46.50 68.38 80.45 96.54
31 Worldwide Family 58.90 86.62 101.90 122.28

45 Europe Single 29.30 43.08 50.69 60.83
45 Europe Couple 43.95 64.63 76.03 91.24
45 Europe Family 55.66 81.86 93.30 115.56
45 Worldwide Single 41.85 61.54 72.40 86.88
45 Worldwide Couple 62.78 92.32 108.61 130.33
45 Worldwide Family 79.51 116.93 137.57 165.08

61 Europe Single 35.81 52.66 61.95 74.34
61 Europe Couple 53.71 78.99 92.93 111.51
61 Europe Family 68.03 100.04 117.70 141.24
61 Worldwide Single 51.14 75.21 88.48 106.18
61 Worldwide Couple 76.73 112.84 132.75 159.30
61 Worldwide Family 97.18 142.91 168.13 201.75

93 Europe Single 58.60 86.17 101.38 121.65
93 Europe Couple 87.88 129.24 152.05 182.46
93 Europe Family 111.32 163.70 192.59 231.11
93 Worldwide Single 83.69 123.07 144.78 173.74
93 Worldwide Couple 125.55 184.63 217.22 260.66
93 Worldwide Family 159.03 233.87 275.14 330.16
  • Europe  =
    • The continent of Europe West of the Ural Mountains
    • The UK, Republic of Ireland, Channel Islands, Isle of Man
    • All countries bordering the Mediterranean Sea: this includes - Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Syria and Turkey, subject to FCO guidelines.
    • The Azores, Madeira, The Canaries, Cyprus, Malta
  • Worldwide Includes United States of America/ Canada/ Caribbean
  • The standard Excess is : 100 - Bronze, 50 - Silver, 25 - Gold. When Removed an excess will still apply to certain sections of the policy.
  • The Economy policy excludes baggage and cancellation cover (hence is more suitable for those concerned about medical expenses only). Substantial savings are possible by removing baggage (15%) and/ or cancellation (20%) cover from the Bronze, Silver or Gold contracts.

Obtain quote for annual travel insurance and buy online

Medical Conditions

A full definition of medical conditions is on the quotation page. Whilst it is not a requirement for travellers to disclose medical conditions, we strongly recommend doing so in order that they may be covered. Non-disclosure could result in substantial costs having to be paid. Travellers should be aware that the European Health Insurance Card (EHIC) provides limited cover only and is hardly an adequate substitute for travel insurance. Cover is not available for travellers with a terminal prognosis.

Specific Advice on Aspects of Travel Insurance

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