Annual or Single Trip Travel Insurancewhich to choose?

By: Keith Mcgregor

So what does an annual multi-trip travel insurancepolicy offer you over a single trip policy? Firstly, the more trips youtake in a year, the more cost effective an annual policy will be andone purchase lasts the whole year. Many annual travel insurancepolicies have options, such as Winter Sports cover, included asstandard but do check the small print. It is normally possible toextend the individual trip duration for a small extra premium, say fromthe industry standard of 31 days a trip to 60 or 90 days, which is amuch cheaper option than buying a single trip policy for the sameperiod.

But set against this, an annual policy only provides cover for thearea you have selected. That is, if you take out an annual policy thatprovides cover for Europe but then book a holiday later in the year tothe USA, then this destination will not be covered so it is somethingto consider when buying such a policy. The annual policy is a moreexpensive up front cost though there are some very good internet annual travel insurancedeals to be had. Many insurers impose stricter age restrictions fortaking out an annual policy compared to the single trip equivalent andthere might be restrictions on family annual travel insurance policies that prevent children from travelling independently.

The place to look is on the internet and most travel insurance providers will provide an annual travel insurancequote at the same time as giving you the single trip price so thishelps to compare at the time of taking out insurance. If you can planahead and want the flexibility of taking more than one holiday or tripabroad, then buying an annual travel insurance policy is, more often than not, a good investmentHealth Fitness Articles, but do make sure that what you buy satisfies your particular needs.

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