Travel insurance Worldwide: annual insurance policies

If you're heading outside of Europe for your holidays, these Best Buy travel insurance policies will give you the cover you need.

If you make more than two or three trips a year, these annual policies are usually cheaper than buying single-trip travel insurance policies and will cover all your trips for a year – including trips within the UK.

Which? Best Buy travel insurance policies provide the cheapest cover that meets stringent criteria. All of our Best Buys include at least £2 million of medical cover for Europe and £5 million worldwide, £1,500 of cover for baggage and personal belongings and £3,000 for cancellation or curtailment.

We have also analysed the 22 most important elements of your travel insurance policy to see which providers offer the best all-round cover. Along with the standard features, we've assessed insurers for their policy on missed departures, delays, holiday and airline failure, terrorism cover and volcanic ash. Insurers that have a policy score of less than 65% are not included in the table.

It is worth noting that policy details can change depending on where you buy the cover. If you go through a comparison site, for instance, it is possible that there may be age restrictions on cover. Likewise if you apply for winter sports cover. So always check the terms and conditions provided via an intermediary against your requirements and if there is a difference, buy direct from the provider. If there is a premium difference insurers may well price match the quote you received elsewhere.