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Is Single Trip Or Annual Travel Insurance Better For Me?

by | Jan 6, 2026 | Blogs, Events, News

Is Single Trip Or Annual Travel Insurance Better For Me?

by Dale Robinson

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6 January 2026

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Events

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While it may not be the most exciting part of booking a holiday, taking Travel Insurance is crucial, to ensure you’re protected should something not go to plan.

You can take Travel Insurance now for your next holiday, if it falls within the next 18 months, or if you’re planning more than one holiday in 2026 it can sometimes work out cheaper to take out an annual multi trip policy.

Here we explain the differences to help you decide.

Single Trip Travel Insurance

  • A policy that covers a one-off holiday.
  • Single trip insurance is usually cheaper if you’re only travelling once in 12 months.
  • Cancellation cover will start as soon as you pay for your policy – meaning you have instant protection.
  • Cover for the duration of your holiday.
  • There are policies available with no age limit.
  • There is greater flexibility in relation to cover for pre-existing medical conditions.
  • You can add additional cover such as cover for winter sports, golf equipment, cruise cover and business equipment.

Annual multi-trip Insurance

  • Covers all of your trips for a 12 month period.
  • You’ll only pay once for 12 months’ cover, unless you need to make changes.
  • You can start your policy today or within the next 30 days
  • It will cover an unlimited amount of holidays (there may be a restriction on the maximum number of days you can be away at any one time, usually 31, but this can be extended).
  • Cancellation cover starts on the start date of your policy and will cover all of your trips within the policy period – usually 12 months from the start date.
  • We can provide annual policies for people of all ages (subject to medical screening and acceptance)

Are there differences in cover?

All of our single trip and annual multi-trip insurance policies come with:

  • Emergency Medical expenses cover
  • Repatriation expenses
  • Cancellation cover
  • Baggage cover
  • Cash and Money
  • Loss of travel documents
  • Personal liability
  • Legal expenses

Meaning you’ll get the same quality cover, giving you peace of mind whether you take a one-off or a multi-trip policy.

 

Which policy is right for me?

This will depend on your travel plans for the next 12 months, if you only plan on taking one trip we would always recommend single trip cover as this is generally the cheaper option of the two.

If you are planning more than one trip it’s always worth considering taking out an annual multi-trip insurance policy. However, if you are travelling in Europe for three of your trips and have one in the USA it could be cheaper to take an annual European policy and then arrange a separate single trip policy for your trip to the USA.

Don’t forget that we will compare multiple providers and return several products for you to review. If you start with a single trip quote and there is an annual policy available we will show you the prices for both – you can then review cover limits, price, escess, etc and choose the best policy to meet your needs and budget.

Get your quote online today or if you would like to discuss all of your options call our team free.

All quotations and policies are subject to acceptance criteria, terms, conditions and exclusions.

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