Single trip vs annual travel insurance calculator
Enter your planned trips and the cost of single-trip and annual multi-trip quotes to see which works out cheaper, and at what break-even trip frequency.
Your planned trips (enter the single-trip quote for each)
Enter a quote for the equivalent annual policy covering the same destinations and travellers.
Assumptions and methodology
Compares the total cost of individual single-trip policies for each planned journey against the cost of a single annual multi-trip policy. Break-even is the number of trips at which annual cover becomes cheaper. All figures user-supplied — this tool is a comparison aid, not a price generator.
Common mistakes to avoid
- ✕Comparing annual cover against one trip — annual only makes sense if you travel at least twice a year.
- ✕Forgetting that annual multi-trip policies usually have a maximum trip length (typically 31 or 45 days per trip).
- ✕Ignoring destination restrictions — some annual policies exclude the USA or worldwide destinations unless upgraded.
Frequently asked questions
Most people find annual insurance becomes cost-effective at two or more trips per year, though the exact break-even depends on the quotes for your specific destinations and ages.
Typically yes — most annual policies allow unlimited individual trips within the policy year. However, there is usually a maximum duration per trip, most commonly 31 days.
Yes — many insurers offer Europe-only annual policies, which are cheaper than worldwide cover. Check that all your planned destinations are included.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.