If you regularly travel abroad an annual multi trip policy could save you time and money.

It can cover you for every trip you take in a year and means there is no need to take out a separate policy every time you travel.

Do you need an annual policy?

It depends on how many trips you will make during the year. If you are only going away on one summer holiday for example, a single trip policy could be cheaper.

If you know you will be going away twice or more you should consider annual travel insurance. This guide explains how to choose between an annual and single trip policy.

Where can you travel to?

It depends on your policy, but most insurance companies give you the choice of travelling to:

  • Europe

  • Worldwide excluding USA, Canada and the Caribbean islands

  • Worldwide including USA, Canada and the Caribbean islands

Your insurance policy will cover travel to countries within the territories you have chosen.

However, some countries may not be covered if they are considered dangerous by the Foreign & Commonwealth Office (FCO) so check first.

How long can you travel for?

Each trip you take will have a duration limit, which means you will only be covered for a certain number of days.

Most policies offer trip durations of at least 30 days, and some offer as much as 90 days' trip cover.

Some policies also set a total trip duration limit, for example a total of 180 days during the year. This means all your trips during the year cannot add up to more than 180 days.

What does it cover?

Annual travel insurance covers the same things as single trip policies, including:

  • Medical expenses

  • Cancellation and delay

  • Baggage and personal money

  • Cost of getting home if you are ill, known as repatriation