Annual multi-trip travel insurance is your safety net when you’re off on an adventure, helping cover those unexpected hiccups like medical emergencies or cancelled plans. Going for an annual policy means you’re sorted for every trip over the year — no faffing about buying new cover before each holiday.

If you’re a regular traveller, whether for work or fun, an annual policy can save you money and a whole lot of time. It’s way more convenient than getting a separate policy every time you jet off, plus it means one less thing to worry about before you pack your bags.

With annual multi-trip travel insurance, you’re usually covered for all the basics you want for peace of mind on your trips. The exact cover you receive will vary between insurers, but you’ll typically be protected for:

• Emergency medical treatment: Covers hospital stays, surgery and treatment for injuries like broken bones, heart attacks, strokes and sudden illnesses such as infections or allergic reactions.

• Trip cancellations and delays: Protection if you can no longer travel due to reasons covered by the policy.

• Lost, stolen or delayed luggage: Help to replace essentials if your bags go missing or arrive late.

• Personal liability: Covers damage you accidentally cause to someone else’s property or injury to others.

• Missed connections: Covers you if you miss a flight or train due to travel delays.

• Covers UK breaks too: Many insurers include domestic trips as well as trips abroad.

• Emergency repatriation: Getting you safely back home if you need urgent medical care abroad or due to somebody’s death.

Even the best travel insurance has its limits, so it’s good to know what’s not usually covered. Here are a few examples of when you probably won’t be able to claim, depending on the insurer:

• Changed your mind? Unfortunately, you typically can’t claim if you just decide not to go.

• Travelling somewhere risky? You won’t be covered if you head to a country the Foreign, Commonwealth & Development Office (FCDO) says not to visit.

• Drinking or drugs involved? Accidents that happen while under the influence often aren’t covered.

• Pre-existing conditions not declared? If you haven’t told your insurer about a medical condition, claims might be rejected.

• Caught a tropical disease without jabs? You’ll need the right vaccinations, or your claim could be denied.

Make sure you know exactly what’s covered and not covered: always check with your insurer or refer to your policy documentation.

If you love to jet off regularly or book last-minute getaways, annual travel insurance can be a great way to save time and money compared to buying separate single-trip policies. Some insurers provide cover for unlimited trips in a year, so you can jet away as often as you like with peace of mind.

However, there are usually limits on how long each trip can last, or a cap on the total number of days you’re covered for during the year.