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Annual or single trip? It depends on one thing.

Most people assume annual cover is for frequent flyers. In practice the line falls sooner than that — and it also depends on how long each trip lasts.

Single trip

One departure, one return

  • You travel once or twice a year
  • You already know the dates
  • The trip runs longer than a fortnight

Annual cover

Every trip for twelve months

  • You leave three times or more
  • Weekends and work trips count
  • Each stay is a fortnight or less

The pivot:count your departures, then your longest stay. Everything else follows from those two.