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Home » Annual Travel Insurance Vs Single-Trip Plans: Which Is Better?

Annual Travel Insurance Vs Single-Trip Plans: Which Is Better?

    Annual Travel Insurance

    Annual travel insurance, also known as multi-trip or yearly travel insurance, offers coverage for multiple trips within a specific period, usually a year.

    While both annual trip travel insurance and single-trip plans have their advantages, annual travel insurance is the better option for frequent travellers. Here are some common reasons why you should consider getting annual travel insurance over single-trip plans.

    Flexibility & Broader Coverage

    Flight insurance

    Some annual plans offer coverage for various types of trips, including weekend getaways, domestic adventures, and even business trips. This flexibility allows you to explore different destinations and travel styles without worrying about additional insurance costs.

    Additionally, some annual plans may offer automatic extensions for trips that go beyond the initial planned duration, providing extra peace of mind.


    If you’re an adventurous soul who enjoys multiple trips throughout the year, annual travel insurance can be significantly cheaper than buying separate single-trip plans. The cost per trip becomes lower with each additional trip covered under the annual policy.

    For example, if you take two trips a year, annual flight insurance might cost the same as two single-trip plans, but for three or more trips, the annual option becomes more economical.

    Protection Against Mishaps

    Life can be unpredictable, and travel plans can change unexpectedly. An annual policy can provide peace of mind knowing you’re covered if you need to cancel a trip due to illness, injury, or other unforeseen circumstances. This can save you from significant financial losses and ensure a smoother travel experience.

    Convenience & Peace of Mind

    With an annual policy, you have the security of knowing you’re covered for any spontaneous getaways or last-minute travel decisions within the year.

    No more scrambling for new insurance every time the travel bug bites! This eliminates the hassle of comparing plans, filling out forms, and remembering renewal dates.


    While annual travel insurance can be advantageous for frequent travellers, always review the policy’s terms, coverage limits, exclusions, and conditions to ensure it aligns with your travel needs and preferences.

    Some travellers may find that single-trip plans better suit their specific travel patterns or requirements, so it’s crucial to compare both options before making a decision.

    Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

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