It depends on how many trips you plan to take in the next 12 months and how long each trip will be.
A Single Trip policy can suit one holiday, while an Annual Multi-trip policy can suit multiple holidays, but each trip must stay within the trip-length rules for your level of cover and your age.
When a Single Trip policy may suit you
- You are taking one trip in the next 12 months.
- You want cover for one set of dates and one destination region.
When an Annual Multi-trip policy may suit you
- You plan to take more than one trip in the next 12 months.
- You want flexibility to take multiple holidays during the policy year, if each trip fits the rules below.
Annual Multi-trip trip limits you should check
Your cover depends on your level of cover, your age, and where you are travelling.
Maximum trip length (per trip)
- Anywhere else (any age): up to 45 days per trip
- USA, Canada, Mexico or the Caribbean:
- Aged 0 to 70: up to 45 days per trip
- Aged 71 or over: up to 35 days per trip
Maximum total travel days (across the policy year)
- The maximum total number of days you can be covered across all trips in a policy year is 183 days.
Optional extension (Gold, Gold Plus and Platinum)
- If you have Gold, Gold Plus or Platinum, you may be able to extend the per-trip limit to 50 or 55 days for an extra premium:
- Aged 70 or under: extension may be available for any destination
- Aged 71 or over: extension may be available except for travel to the USA, Canada, the Caribbean or Mexico
What to do before you choose
- Check how many trips you expect to take in the next 12 months.
- Check your likely trip lengths and destinations.
- Make sure the destination region and trip length you need are shown on your schedule of cover.
Still need help?
- Get a quote
- Speak to an adviser
- Read your policy documents