And what about for the spontaneous types?
You should also consider how spontaneous your travel plans tend to be. Even if you don’t have multiple trips planned, if you’re the type to jet off for a weekend at short notice you should factor that into your insurance choice.
With an annual policy, you don’t need to worry about cover every time you book a holiday. But remember, if you’ve bought annual travel insurance that only covers Europe, don’t spontaneously go to Morocco. Stop and upgrade your travel insurance first.