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Multi annual vs. single trip travel insurance, what is best?

Hello everyone, I have never taken travel insurance in my life but lately I've been particularly unlucky with my flights (lost luggage, cancelled flights, etc.). I was wondering if anyone had any advice regarding the options that are out there and in particular whether it's worth getting a multi-trip annual policy? I fly about 10 times a year. Any suggestion would be appreciated. Cheers

insurance
single-trip travel insurance
extended-trip travel insurance

2 Answers

Hey Rob, sorry to hear you've had bad flying experiences! Seems like you're not the only one lately...and in the light of recent events I think investing in a travel insurance is pretty wise! I personally would go for multi trip cover because it turns out to be cheaper on the long run and less hassle. Plus if you're travelling as a family you'll probably get more out of a comprehensive cover. Depending on how frequently you fly and your needs, you can also opt for some extras or combined insurances (rental car insurance, etc.). So have a look around at what fits your needs best. Also see how flexible the policies are and if you can upgrade or downgrade easily, that makes a huge difference in the amount of paperwork and premium!

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Hi Rob, I generally go for single trip insurance when I travel far or when I book tickets REALLY in advance, so that I have more flexibility and safety in case I have a personal problem and have to cancel or if the airline cancels the flight, etc. It really depends how often you travel but honestly I feel like multi-tip or annual travel insurance is a bit of a waist of money if you only go on holiday twice a year or only do short distances to (relatively cheap destinations). Plus the paperwork to get repayment is generally a pain so you would probably only go through the trouble when it concerns big losses. So yeah...hope this helps. All the best!

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