If you want to go on holiday more than once in a year, then taking out an annual holiday insurance policy is probably the most cost effective way of ensuring that you’re protected. Even if you only go on two holidays the savings – and the reduced stress – can be well worth the extra initial expense. Traditional insurance packages only cover you for one holiday – one outgoing journey, one return journey and one destination. An annual policy lets you take a much more flexible approach to your holiday plans for a year. You get the same cover for medical emergencies, repatriation, personal belongings, missed travel arrangements, lost travel documents, personal liability and all the other features that you expect from holiday insurance. The difference is that this cover is much more open ended. Like any insurance package it’s hard to give a precise overview of the benefits of annual holiday insurance. Depending on your provider and your circumstances, what cover you can get and the savings you can make can be quite different. There should be a range of options available in terms of levels of cover and some may be more suited to your needs than others. Although it depends on where you’re going and what you plan on doing, often annual policies will be cheaper if only because they save on administration. There is an added benefit to this though, that could ultimately save you hundreds if not thousands of pounds – all of your travel plans will be covered by the same provider. This means that you won’t be confused by different levels of cover and inadvertently find yourself in a situation that excludes your policy; it’s all the same and it’s set out from the beginning what is and isn’t covered. If you’re lucky enough to be able to go on holiday more than once a year, it doesn’t pay to test your good fortune any further by Comprehensive Travel Insurance . An annual policy can guarantee that you get the best deal available and that wherever you go, you’re protected.