Annual Travel Insurance
From just £49
Travel insurance is provided by IES Limited. 10% of new direct customers paid £49 for annual trip travel insurance between April and June 2025.
Annual multi-trip travel insurance
We offer flexible annual cover for yourself, a couple, family or group. Our annual multi-trip insurance covers you for an unlimited number of trips within a year. Each trip can last up to 31 days with our Bronze cover, up to 45 days with Silver or Gold cover, and up to 55 days with Platinum cover.
If you're not planning on going away more than once in the next 12 months you could be better off with our Single trip insurance.
Reasons to choose
Pre-existing conditions covered
Our insurance covers everyone, even with pre-existing conditions. You just need to let us know what they are.
Unlimited medical expenses
This covers you for injury, illness or serious accidents.
24 hour medical assistance
We will help you if you are ill or injured outside the UK or the Channel Islands.
Cover for cancelling or cutting short your holiday
If you have to cancel or cut short your trip due to reasons beyond your control.
Repatriation cover
Helping you get back to the UK following an injury or illness.
Over 150 years experience
Put your trust in a brand who have provided insurance since 1867.
Which? Best Buy
Consumer champion Which?, have rated our Platinum and Gold cover for Annual multi-trip and Single trip travel insurance a Best Buy.
5 Star rated cover
Independent financial experts Defaqto have given their highest rating to Gold and Platinum cover for our Annual multi-trip and Single trip travel insurance.
Why do you need travel insurance?
Travel insurance can give you extra protection if your holiday or trip doesn't go as expected.
It's there to help cover the cost of things like emergency medical treatment or the loss of valuables while you're away.
It can also protect you before you go on holiday. Whether that's for flight delays, or if you have to cancel and can't get a refund.
To make sure you're covered, it's best to arrange travel insurance as soon as you book your trip.
Co-op Member Prices
As well as 5% off Co-op Travel Insurance, members also get:
- lower prices in our food stores and online
- personalised offers every week
- access to presale tickets for Co-op Live, the UK's biggest arena
- a say in how Co-op is run
If you’re not yet a Co-op Member, you can sign up when you buy Co-op Travel Insurance. Your first insurance payment will include a one-off £1 joining fee.
5% travel insurance discount is valid for the life of the policy and does not apply to add ons or the extra cost to cover existing medical conditions.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
If you're not yet a Co-op Member, you can sign up when you buy Co-op Travel Insurance. Your first insurance payment will include a one-off £1 joining fee.
Annual multi-trip travel insurance features
We offer four packages on our annual multi-trip insurance: Bronze, Silver, Gold or Platinum. Each package includes unlimited medical expenses.
Our Bronze package gives you the essentials that you should need for your trip. If you choose the Silver, Gold or Platinum policy you’ll get added features and higher levels of cover.
See policy documents for full details and exclusions.
Levels of cover and excess
|
Platinum |
Gold |
Silver |
Bronze | |
|---|---|---|---|---|
Cut short or cancelled trip | £7,500 | £5,000 | £2,500 | £1,000 |
Medical expenses | Unlimited | Unlimited | Unlimited | Unlimited |
Emergency dental | £550 | £250 | £250 | £250 |
Personal effects and baggage | £4,000 | £3,000 | £2,000 | £1,000 |
Legal expenses | £50,000 | £40,000 | £30,000 | £10,000 |
Excess | £50 | £50 | £75 | £100 |
Platinum
Cut short or cancelled trip
£7,500
Medical expenses
Unlimited
Emergency dental
£550
Personal effects and baggage
£4,000
Legal expenses
£50,000
Excess
(no excess on legal cover)
£50
Gold
Cut short or cancelled trip
£5,000
Medical expenses
Unlimited
Emergency dental
£250
Personal effects and baggage
£3,000
Legal expenses
£40,000
Excess
(no excess on legal cover)
£50
Silver
Cut short or cancelled trip
£2,500
Medical expenses
Unlimited
Emergency dental
£250
Personal effects and baggage
£2,000
Legal expenses
£30,000
Excess
(no excess on legal cover)
£75
Bronze
Cut short or cancelled trip
£1,000
Medical expenses
Unlimited
Emergency dental
£250
Personal effects and baggage
£1,000
Legal expenses
£10,000
Excess
(no excess on legal cover)
£100
Excesses are per person, per section and per claim. If you would prefer not to pay an excess, you can select the ‘excess waiver’ add on when buying.
Get your travel money
Co-op Insurance introduces eurochange, for your travel money needs.
With currencies including euros, dollars, and yen available at over 240 UK branches. There is also free next day delivery on orders over £600, with 0% commission on all transactions.
Peace of mind
Have peace of mind knowing your holiday is covered. With Co-op Annual Multi-Trip Insurance, you can be reassured you have the right cover for your destination.
If you go on holiday more than once a year it might be a good idea to consider multi-trip travel insurance. This will make sure you’re covered for trips you take within the next 12 months. Annual multi-trip can be more cost-effective depending on the number of times you’re going away.
Our multi-trip insurance covers a range of trips as standard, for example UK holidays, city breaks and beach holidays.
You can tailor your cover to meet your needs, deciding how comprehensive you’d like your multi-trip insurance to be. Limits and excesses will vary depending on the level of cover you choose.
Here for you
If the unexpected happens, Co-op is here for you when you need us the most. Our travel insurance covers you for before, during and after your trip.
Multiple trips abroad shouldn’t be complicated. Make your way around the globe with Co-op Annual Multi-Trip Travel Insurance.
If you’re only going on holiday once, take a look at our single trip travel insurance.
Policy documents
This policy document provides details on the cover and any important exclusions.
For policies bought direct from Co-op
For policies bought direct from MoneySuperMarket
Existing customers
If you're an existing customer, we're here to help. Search our support guides.
Travel insurance is promoted by Co‑op Insurance Services and arranged by IES Limited and administered by Insure and Go Insurance Services.
eurochange is promoted by Co-op Insurance Services Limited (CISL). CISL acts as an introducer only and is not part of Eurochange Ltd
Calls are charged at local rates from landline and mobiles. If your phone has inclusive minutes these calls are normally included.
Applicants for insurance are subject to normal underwriting criteria.
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments.