The first choice in travel insurance is whether to cover a single trip or buy annual cover for every trip in a year. The right answer depends on how often you travel and how much flexibility you want.
Single trip cover
Single trip policies cover one journey, from departure to return. They suit infrequent travellers and can be tailored to a specific destination and activity. They are simple and often cheap for one trip.
Annual cover
Annual, or multi trip, cover protects every trip you take within a year, up to a maximum trip length per journey. It suits people who travel more than once or twice a year, because the per trip cost falls. Check the maximum length of any single trip and the regions included.
What both should include
Whichever you choose, check medical expenses, cancellation, baggage, and delays are included at adequate limits. Our guide to pre existing medical conditions covers a common reason cover is declined, and our guide to reading your policy shows where the limits sit.