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With annual/multi trip travel insurance there is no need to worry about arranging insurance cover for each journey you take during the course of the year. An additional advantage is that an annual/multi trip policy is usually better than buying individual policies for two or three trips a year. Some annual/multi trip policies have restrictions on the maximum length of any one trip - check the policy wording for the limits.
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Single trip travel insurance covers you for the duration of a single trip. Single trip policies cover problems such as stolen wallet or purse, an accident or an illness. The policy will also provide compensation for delays and cancellation, for damage or lost luggage, and will even provide a help line (usually available 24 hrs) for emergencies.
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Backpacking policies are suitable for all backpackers whether you have taken a gap year, are taking time out from your business, just taking a holiday, are working abroad or are studying abroad.
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Business cover has the added benefit that your business equipment as well as your personal possessions are covered. You should consult the policy wording for your chosen policy to ensure that the cover levels are adequate for your requirements.
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