Travel insurance

Take a look at our annual travel insurance

We are withdrawing our RIAS Travel insurance product from the 25th August 2021. We will continue to provide cover for our existing travel customers and any claims which have been made or may be made before the policy expires will be treated as normal.

Are you a regular jet setter? If you're planning more than one break away in a year, you may find it's more cost effective to take out a multi-trip annual travel insurance policy, instead of a single-trip policy.

With our annual travel insurance policy, you can be covered for trips lasting up to 31 days each. Plus, you can extend any individual trip for up to 45 consecutive days, by paying an additional premium*.

Our annual travel insurance benefits

  • Replacement of lost money
  • Cover for travel delays and unavoidable cancellation††
  • Help tracing lost luggage
  • Cover for pre-existing medical conditions**
  • Travel-provider insolvency
  • Access to English-speaking helplines, wherever you are in the world
  • A choice of excesses, which could lower your main premium
  • Pre-travel advice on visas and inoculations
  • Optional extras, including winter sports cover and golf cover the maximum age limit is 65 years.


For more information about your travel insurance option, give us a call on 0345 045 1320. You can also download our policy documents.

Travel insurance and cover for pre-existing medical conditions

The Rias travel insurance policy can provide cover for many pre-existing medical conditions. If cover is not available, or should you want to get more information about other Insurers who provide cover for pre-existing medical conditions, the Money and Pensions Service (MaPS) has launched a travel insurance directory on its Money Advice Service website for people with serious pre-existing medical conditions. This primarily aims to:

  • Reduce the number of uninsured consumers, who currently face a choice of not travelling or risk having to pay significant costs, including medical bills abroad
  • Reduce the number of consumers with Pre-Existing Medical Conditions who may be overpaying for travel insurance

Please visit the Money Advice Service travel insurance directory for more information.

*Maximum age limit for annual travel insurance is 79 years.

††Cover is not provided for any claim arising from a volcanic eruption (including volcanic ash being carried by the wind) earthquake or tsunami.

**Excludes pre-existing medical conditions unless ALL medical conditions are declared to us and accepted in writing by us.

†We will not pay for claims arising from the failure of any tour operator, travel agent or consolidator.