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Annual
If you travel more than twice a year, it is probably cheaper, and definitely more convenient, to take out an annual travel insurance policy.
Most policies will specify the maximum length of each trip (usually 31 days), so make sure you check the small print and find a policy with flexible rating if your trips are going to be longer.
Annual policies will generally cover winter sports for a duration, but may not include scuba diving etc.
Single Trip
Policies are available for trips up to a specified duration. Cover for winter sports will usually mean a higher premium.
Backpacker/Longstay
Policies are available for students who decide to go on a backpacking holiday, and those lucky enough to be taking a longstay holiday. These policies often cover working abroad, but check the small print.
WinterSports
Policies do not always cover wintersports, so extra cover will be necessary. Check your policy to make sure that your chosen winter or dangerous sport is covered.
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