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# What’s the Difference Between Single Trip and Multi-Trip Travel Insurance?

When you're booking travel insurance, you'll be asked to choose between **single trip** or **multi-trip (annual)** coverage. Here’s what each one means and how to choose the right option.

### 🧳 Single Trip Insurance

**Covers one trip**—from the day you leave your home province or territory until the day you return. Once the trip ends, so does the coverage.

**Good to know:**

* You’ll need to purchase a new policy each time you travel.
    
* Ideal if you’re taking **one vacation or getaway** during the year.
    
* Coverage begins on the departure date and ends on the return date (or when you return home earlier, if applicable).
    
* You must purchase this before your departure date for it to be valid.

### 🌍 Multi-Trip (Annual) Insurance

**Covers multiple trips** throughout the year, with a maximum trip length per trip (for example, 15, 30, or 60 days, depending on the plan you choose).

**Good to know:**

* You don’t need to notify us before each trip—you’re automatically covered as long as you’re within the trip length limit.
    
* Ideal for frequent travellers, snowbirds, or anyone who crosses provincial or international borders multiple times a year.
    
* Coverage renews automatically for each new trip taken within the coverage period.



### Additional Notes:

* Both types can include emergency medical, trip interruption, baggage coverage, and more—depending on your plan.
    
* You must be medically stable at the time of purchasing the policy.