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Travel insurance: Single trip vs annual cover


Unsure which policy type to go for? We make the case for getting an annual multi-trip travel insurance policy, rather than single trip policies.

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If you’re lucky enough to be heading off on more than one holiday in the next 12 months, it’s probably more cost-effective to get annual travel insurance cover than it is to get single trip policies.

You don’t have to be a serial jet-setter to benefit from an annual policy... Savings can begin after just a couple of trips. And bear in mind that an annual policy will cover you for domestic trips too; for example visiting relatives or friends for the weekend.

What does travel insurance cover?

  • Medical expenses – medical & repatriation costs up to £10,000,000

  • Baggage protection – covers your luggage and its contents against theft or loss

  • Cancellation insurance – cover for holiday cancellation during the 12 months that the policy is valid

Other benefits of multi-trip cover include the fact that worldwide policies start from just £50*, and further savings are possible if you’re travelling with someone by purchasing joint cover.

Things to keep an eye out for

There are a few things to look out for however. Some annual policies will limit the number of days you can spend abroad in one trip, or the total number of days abroad for the duration of the policy – so check the Ts & Cs to make sure your cover is adequate before you buy.

A wide selection of activities and outdoor sports can be covered as part of an annual policy, though there are typically a maximum number of days of cover available.

 But whether it’s single trip or annual cover you’re after, you can arrange travel insurance quickly and easily through Either way, it’s smart not to travel without it, over 1.7 million UK travellers made claims in 2007... and should you need to rescue a happy ending from a holiday nightmare, can help.


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