Worldwide Insure

Worldwide Insure has insured travelers since 1993 and lets you pick the exact structure that fits your travel pattern. Their annual policies come with three variants: single-trip (for people who take one main holiday per year), long-stay options for travelers spending a month or more abroad, and winter sports coverage for those heading to ski resorts. You're not locked into a one-size-fits-all product.

This works for travelers whose annual trips vary in character from year to year. If one year you're doing a month in Southeast Asia and the next year a week's ski holiday, you can tailor the policy instead of buying different products or padding your coverage with features you don't need. Worldwide coverage is standard, with the flexibility to downgrade to European-only if that's enough for your plans.