If you’re a frequent traveler or even just go away more than once a year, annual or 'multi-trip’ insurance might be a cost-effective option for you.

Instead of buying a single trip policy every time you go on holidays, an annual insurance policy could cover you for short trips throughout the year. Any last minute trips could automatically be covered and you could save yourself the time of taking out a policy each time.

• Covers multiple short duration trips throughout the year - from the policy start date.
• Can cover up to 31 days per trip - some specialist insurers could offer up to 45, 60 and 90 days cover.
• Multi-trip policies may cover domestic and regional travel too - not just holidays abroad.
• If you are regular travellers and take out cover for the whole family, you could stay covered even if you're on a child-free holiday.
• Our travel guides could help you make the most of your holiday; see our article on the best day to book your holiday
• Your policy documents could be emailed to you within one hour of purchase when you enter a valid email address and compare with us.

• Declare any pre-existing medical conditions when you take out an annual policy, including any new medical conditions that you develop during the term of your policy
• Get your policy in advance to get the full benefit of cancellations cover, check for any exclusions and if there is an excess on the policy
• Make sure you report any lost or stolen items to the police within 24 hours before you make a claim
• If you are going travelling for a long period of time or visiting various countries you may want to consider a backpackers policy

If you have a pre-existing medical condition, you can still get a quote through Confused.com. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.