Annual multi-trip travel insurance	Single-trip travel insurance
Lasts for 12 months	Lasts the length of one trip
You only need to take out one policy per year	You need to take out a new policy for every trip
Can offer better value in the long run	Allows flexibility to take out policies as and when you need them
Cover is also available a for a family or couple, whether you are travelling together or separately	Can cover a family or couple only if travelling together on the same trip. You’ll need separate policies if you have different itineraries.