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It’s the start of the year, and many of us are already dreaming about holidays… whether that’s a sun-soaked beach escape or a string of city breaks. While you’re planning where to go, it’s worth asking: do you need annual travel insurance or a single-trip policy?

Here’s what you need to know to make the right choice.

Single trip travel insurance

A single-trip policy covers one holiday, priced by the number of days you’re away. You choose the start and end dates, pay once, and you’re done. It’s usually cheaper than an annual policy because you’re covered for less time.

Who is it good for?

• Occasional travellers: If you’re only taking one or two trips this year, this is often the most cost-effective option.
• Those outside annual policy limits: If age or health conditions make annual cover tricky, single-trip policies can be easier to arrange.
• Budget-conscious buyers: If annual quotes are sky-high, single-trip cover could save you money.

Top tip: Buy your policy as soon as you book your holiday. That way, you’re protected straight away if your travel company goes bust before you set off.

Annual travel insurance policies

An annual policy covers you for a whole year, no matter how many trips you take. That could be one big holiday or several short breaks. You can choose European cover if you’re staying within the EU, or worldwide cover if you’re venturing further afield.

Who is it good for?

• Frequent travellers: If you’re taking two or more trips, an annual policy often works out cheaper overall.
• Convenience seekers: One policy, one payment, and you’re covered for the year.

But there are a few caveats:

• Age limits: Some annual policies cap at around 75.
• Medical conditions: Pre-existing health issues can push up prices—or even mean you’re declined. In these cases, a specialist insurer or a single-trip policy might be better.

As well as these options, you should also consider how the type of trip you’re going on plus any planned activities could impact your cover. For example, for extended trips backpackers cover may be more suitable – and better value.

Cruises, skiing or safari trips may also need more specific policies, so it’s worth checking the fine print of your policy or speaking to an insurance expert before you buy!

Is travel insurance mandatory?

Travel insurance isn’t a legal requirement. But no one wants their dream holiday turning into a nightmare of medical bills, lost luggage, and cancelled flights.

Typical travel policies include:

• Medical emergencies
• Lost or stolen belongings
• Trip cancellation due to illness, injury, or bereavement
• Delays (usually after a certain threshold)

Some insurers only cover specific events like strikes or adverse weather, while others offer broader protection for alternative travel and accommodation. Always check exclusions and keep receipts if you need to claim.

Many people skip it for short trips or assume it’s too expensive. In reality, forgetting to buy cover is far more common – and far riskier!

If you’re planning multiple trips, an annual policy could save you money and hassle. If you’re only going away once or twice, single-trip cover is likely the smarter choice. Either way, don’t leave it until the last minute – sort your insurance as soon as you book.

How to find the right travel policy? Howden. That’s how.

Ready to make your travel plans stress-free? At Howden we’ll help you find cover that fits your adventures, whether it’s a quick city break, a family getaway, or the trip of a lifetime.

Speak to your local Howden expert today, in branch or over the phone, and travel with confidence.