Expired annual cover can leave trips uninsured.Check your cover before the trip starts.
Get a reminder before your annual policy expires so you can check cover before you travel.
Get a renewal reminder- No bank access required
- Just the dates you already know
- 100% independent
How travel insurance renewal works
Annual multi-trip policies run for a 12-month term.
Before the policy ends, the insurer issues a renewal invitation with next year's premium.
If auto-renewal is enabled and no action is taken before the renewal date, the policy continues at the new price.
Medical disclosures and destination cover sit alongside the price decision.
Once the renewal date passes, the new premium and terms apply for the next year.
Renewal mechanism
Fixed-date pricing and cover trigger
Common travel insurance renewal outcomes
These outcomes are predictable — and avoidable if you act before the renewal date.
Premium change at renewal
A higher price may apply at renewal based on age, market conditions and the insurer's renewal model.
The decision window ends at the renewal date.
Medical disclosures fall out of date
New conditions diagnosed during the year may need to be declared at renewal so cover stays valid.
Renewal is the natural moment to update declarations.
Destination cover misaligned
If next year's trips include regions outside the current cover area, the renewal is when to fix it.
Cover area renews unless reviewed before the date.
Narrow review window
Insurers may adjust the renewal quote when contacted in time, but the window before the renewal date is narrow.
After the renewal date, the new premium applies.
How Onremind protects you
Add the renewal date
The one listed in your policy or renewal email.
We track the countdown
Independently, in the background.
You get alerted early
While review, comparison and switching are still possible.
Illustrative travel insurance renewal pattern
Renewal pattern (illustrative)
Illustrative pattern only — not a real user case. Without a review before the renewal date, the policy would have continued at the higher premium.
Travel insurance research and updates
Evidence, timing guidance and current developments relevant to annual travel insurance renewal.
UK Travel Insurance Renewal Report 2026
Research on annual travel cover renewals, medical pricing and why travellers still need to review before the renewal date.
Read the travel insurance renewal reportWhat to check before travel insurance renewal
A short checklist for medical declarations, destinations and cover limits before the renewal date.
Read the travel insurance renewal guideFCA travel insurance work — what it means at renewal
A summary of recent FCA work on travel insurance and what it means before your next renewal date.
Read the latest travel insurance renewal updateRelated insurance renewals
Other insurance renewals you can protect with a date-based reminder:
Travel insurance renewal is about the date, not the provider.
Annual travel policies renew on a fixed anniversary.
A reminder before that date keeps cover aligned with the year ahead.
The same date-led pattern shapes home insurance renewals and breakdown cover renewals.
See all how Onremind works, browse common questions, or read the UK Renewal Rip-Off Report for the wider picture.