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The Travel Insurance Minefield

Travel insurance can be a minefield ready to trip the unwary. Which is the best travel insurance option for you? the first decision is between annual holiday insurance or single trip and it is important to understand the pros and cons for each.

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Single Trip

A single trip policy covers only the one holiday and all the limits on cover apply to this single trip as do any restrictions applying to activities and health. It will be valid from the day you buy it until the day you return home. An annual holiday insurance or you may see it referred to as an annual multi trip policy lasts as the name suggests for a year from the day you decide you want it to start.

Multi Trip

When buying an annual holiday insurance you will usually be asked when you want it to start. It is important to make sure that it starts to run before you are due to pay the final balance on your trip so that the cancellation cover is in force. As a rule, if you are planning to take two or more trips abroad within twelve months you may well find you get better value by selecting an annual holiday insurance. If you are not sure then check when you buy it if there is an option to upgrade your single trip policy to an annual holiday insurance at a later date. Many annual holiday insurance policies also include up to 17 days winter sports cover.

Helpful Info

Please note, Holidaysafe's online prices automatically include a 15% discount against our Customer Service Centre prices.
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