Travel insurance
Annual or single-trip travel insurance: which costs less?
Annual cover is one price for every trip in a year. It costs more than one trip's cover, so it pays only once you travel enough. Here is where that point falls today, for one adult.
Prices as of 28 Oct 2026, GST included.
How many trips before annual cover costs less
| Region | One trip | A year | Annual pays from |
|---|---|---|---|
| South East Asiaa trip: Malaysia, 3 days | |||
| Asia Pacifica trip: Japan, 7 days | |||
| Worldwidea trip: Europe, 14 days |
Shorter trips cost less to insure one at a time, so annual cover takes more of them to pay; longer trips, fewer. Annual cover also saves buying a policy before each trip.
Compare travel insurance for your own trip, single or annual.
Questions people ask
Does annual travel insurance cover every trip?
Every trip in the year to the region you choose, up to the longest trip the plan allows, with its cover limits applying to each trip. A trip outside the region needs wider annual cover or a single-trip policy.
Is annual cover better for business travellers?
Often, because it also covers a last-minute trip you would otherwise forget to insure. Check that the plan covers business travel and the length of your longest trip.