Single trip and annual multi-trip compared

The cheap policy is only cheap until you claim.

Travel policies differ most in the places you find out about at the worst time: medical limits, cancellation, and what counts as a pre-existing condition.

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One trip

A holiday, a wedding, a work trip.

Cover written for one journey, priced on where you are going and how long for.

Compare single trip
Frequent travellers

More than two trips a year?

An annual multi-trip policy usually costs less than buying cover each time, and you stop thinking about it.

Compare annual cover
Going far

Medical costs vary wildly by country.

A hospital stay in the United States can cost more than the trip. Cover limits matter far more on some routes than others.

Compare worldwide
average compare time
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cost to compare
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compared directly
Medical limits
options included
Pre-existing

Questions people ask

Does it cover pre-existing conditions?

Some do, some exclude them, and some cover them for an extra premium after assessment. This is the single biggest reason claims are declined, so declare everything and check it is accepted in writing.

Is my credit card travel insurance enough?

It can be, for short trips, but the cover is usually narrower, often requires you to have paid for the trip on that card, and frequently excludes pre-existing conditions. Read the terms before relying on it.

When should I buy it?

When you book, not when you leave. Cancellation cover only helps if the policy is in force before the thing that stops you travelling happens.