How many times are you planning on travelling within 12 months?
Some providers may put a limit on how many times you can travel on an annual travel insurance policy so it’s worth checking the terms and conditions of your policy if you’re unsure.
How long will each trip you’re taking last?
Many policies will state that each holiday can’t exceed a certain number of days, usually 31. However, some providers will let you define this when you’re getting a quote. It may be possible for you to get an extension on the trip duration but this will depend on your age and the level of cover you want. If you need an extension, you should contact your provider but in some cases, it will be easier to take out a separate single trip policy for that specific trip.
Where are you travelling to?
When you’re taking out an annual travel insurance policy, you will need to ensure your policy covers the countries you’re visiting. You’ll have the choice between Europe, Worldwide (the USA, Canada and the Caribbean) or Worldwide (including the USA, Canada and the Caribbean).
Do you plan on doing any activities or sports?
Many travel insurance policies exclude cover for extreme sports and activities such as skydiving and rock climbing. If you plan on doing any high-risk activities while you’re on holiday, you’ll need to ensure that your travel insurance policy covers that specific activity. You can take out extra cover for this if necessary.