You can take out a single trip policy for trips up to 12 months in advance - cancellation cover will start from the date your policy is taken out. So, for example, if you're taken ill before you travel and can't travel on your trip, you can claim for your holiday costs, which you've either paid or are contracted to pay, up to £5,000 on the Essential policy and up to £10,000 on the Premier policy.
If you have an annual multi trip policy, you are covered for trips booked throughout the 12 month period of the policy. Provided you renew your policy with us and have continuous cover, any trip can be covered indefinitely for cancellation.