Would you be better off getting annual travel insurance?

If you do a lot of travelling and envisage taking several trips in the next 12 months, it’s well worth considering annual travel insurance.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

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Can you be refused Travel Insurance?
Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.
What are the different types travel insurance and which should you choose?
Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
How much discount can you get on group travel insurance?
Different companies offer different discounts for group travel insurance, but getting one policy for all usually works out much cheaper than individual cover!
What should be covered on a standard travel insurance policy?
Most standard insurance policies provide more than sufficient cover. However, it’s well worth noting the key cover features that should be included in your travel policy. These are as follows:
Is it OK just to get single trip travel insurance?
Yes, if you only go abroad once or twice a year, single trip travel insurance is the most appropriate Cover for your needs and probably the best value too!
These days, it’s not unusual for people to take more than one holiday a year. Some people plan several short breaks abroad, others think nothing of flying off whenever the mood takes them.

If you are like these seasoned travellers, annual travel insurance or multi-trip travel insurance, as it sometimes described, is a much a much better proposition than standard or single trip insurance.

With annual policies you pay one fee, which covers you for all the trips you make in the coming year. This not only saves you money but also saves you the hassle of arranging insurance each time you travel.

Just to give you an idea, which would work out better value for you - annual travel insurance costs around 2.5 times more than single trip.

However, as with all travel policies, you are normally only covered for 90 days at a time. Also standard annual travel insurance may not cover you for hazardous activities. So if one of the trips that you are planning is a winter sports holiday, you may need to consider other options.