There’s no better feeling than planning a holiday, from receiving the email confirmation to studying your travel guide book. Once you’re booking has gone through for your chosen destination, it’s time to start looking for travel insurance deals, so that you are covered for unexpected illnesses, delays, hotel complications and any other problems you may face.

The next decision to make for your trip abroad is which insurance policy to go with and, more importantly, whether you will opt for single trip or annual cover. It’s important to consider your schedule ahead of your next holiday; single trip cover may be cheaper at the time, but if you find yourself booking another holiday abroad, you’re buying two lots of insurance when you could have just opted for an annual trip at a cheaper price.

At Cuuver, our aim is to help you understand travel insurance deals and steer you in the right direction to pick the insurance choice best suited to you. We’ve created a clear overview of the advantages and disadvantages of each policy so that you can get to grips with what it is you’re really paying for when it comes to comparing travel cover deals.

Annual multi-trip insurance

Annual multi-trip travel insurance really comes in handy if you are an avid traveller because you have the freedom to visit different places and seek out new adventures without the hassle of purchasing single trip travel insurance over and over again. Remember, it’s called “multi-trip” for a reason; just because annual travel insurance is for a year, it doesn’t mean you are tied down to one country for that whole year.

Where can I go with annual trip insurance?

The beauty of annual trip travel insurance is that you can visit multiple countries at a time and still be covered by your yearly policy. Be sure to check which countries your policy covers so that you can find the best deal that is suited to your travel preferences.

When enquiring about taking out annual travel insurance, the policyholder will ask which area you intend to travel to and be covered for. The destinations you will be asked about when taking out annual cover will include:

– Europe

– Worldwide, aside from the USA, Canada, and any Caribbean islands

– Worldwide, including USA, Canada and any Caribbean islands

Annual insurance works out cheaper if you’re a jetsetter because it covers you for a number of areas. For instance, if you are planning to travel to Berlin, you would select Europe as your destination of choice when taking out annual cover, meaning you can travel elsewhere in Europe and still be covered, so long as your travels are within the period of your policy.

Likewise, if you have a holiday home abroad, or if you regularly visit family and friends who live in another country, annual cover is the best type of travel insurance for you.

Single trip insurance

Single trip insurance is a single payment for one chosen destination, which usually covers illness, injury, prescriptions, holiday cancellation, theft, stolen goods, lost baggage, immediate exile and public liability.

For the indecisive, single trip insurance is probably the best option for you. There’s no point forking out more money than you need to for annual insurance cover if you don’t intend to use it.

If you are heading to a specific location which involves a lot of outdoor activity, such as a skiing or waters sports holiday, single trip travel insurance is the best deal for you. Single trip insurance allows you to select your travel insurance based on your specific holiday preferences, which means you are covered for injuries that these sports can entail.

What should I expect from single trip insurance?

Despite being a one-time payment, there is no set cost you should be paying for single trip travel insurance as it can completely vary, depending on a number of factors. For instance, travelling internationally will differ from taking a European trip. Don’t expect that, if you are travelling to France for a week, that insurance for the same amount of time in America will cost the same. After all, single trip insurance really differs and can totally depend on the country you plan on travelling to.

One top tip from us here at Cuuver is always read the small print. You don’t want to be purchasing travel insurance that doesn’t cover a certain area of the country you are visiting, or doesn’t provide sufficient cover for a medical condition you already suffer from.

In the case of an emergency, you will get access to a 24/7 emergency phone number, which gives you instant access to a medical professional. If you fall ill while abroad but it isn’t an emergency, you can also make a claim instantly by following the rules and regulations of your policy, so be sure to read it thoroughly to ensure you’re entitled to your money back.

This should not be constructed as advice and is guidance only.