Frequent travellers who want to take advantage of
annual multi-trip travel insurance, which gives them peace of mind for a full
12 months, should make sure they pick the right start date for their policy,
cautions leading travel assistance firm Europ Assistance.
Unlike a single trip policy, which is usually
bought at the same time as the holiday and covers a specific trip, an annual
policy provides cover for a specific time period and allows for multiple trips.
Wise travellers will make sure that their annual policy starts the day that
they first make a financial commitment for a trip, not the first day of the
When you are asked for a policy start date, make
sure you provide the date from which you are exposed to potential losses, and
not the date you go on the first trip of the year.
You must disclose any pre-existing medical
problems. You may incur a higher premium, but it is just not worth the risk of
finding that you have no cover when you fall ill overseas. If you develop a
medical condition during the year, contact the insurers to see if your policy
The main thing to remember is that you really
should take time to read your policy documents. Unless you have been told
otherwise, there is a 14-day cooling off period, giving you time to check the
policy, contact the insurer to raise any queries and, should you so choose for
any reason whatsoever, cancel the policy in return for a refund.