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by Dale Robinson


28 December 2021




As we head into a new year, booking a holiday is usually high on many people’s ‘to do list’ to beat the January blues.

Typically more than 5 million Brits book our holidays in January, providing something to look forward to after the December festivities and celebrations have drawn to a close. 

While it may not be the most exciting part of booking a holiday, taking Travel Insurance is arguably more important than it has ever been, with the advice to arrange cover as soon as you back, so that you have cancellation cover in place .

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 2022 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 (check cancellation terms, but all of our policies now provide cancellation cover if you test positive for Covid in the 14 days running up to your holiday)
  • Cover for the duration of your holiday – you only pay for the number of days you’re away.
  • There are no age limits on our single trip insurance policies.
  • 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 – even UK breaks.
  • You’ll only pay once for 12 months’ cover, unless you need to make changes.
  • You can srtart your policy today or within the next 90 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)

Are there differences in cover?

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

  • Medical expenses
  • 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 get a quote for a single trip and there is an annual policy available we will show you the prices for both.

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.

We’ll always check all of the options for you to provide you with the best advice and to save you money.

Get your quote online today or if you would like to discuss all of your options call our team free on 0800 294 2969.

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