If you`re traveling in the UK, or a UK citizen traveling elsewhere, you have many options including full year travel insurance. While the occasional traveler such as a vacationer may not find full year travel insurance preferable to the one-trip options, business travelers or other frequent travelers may opt for full year travel insurance as the best time saving and money saving choice.

UK travel insurance options, in addition to full year UK travel insurance coverage, are numerous: one-trip or multiple-trip plans, extended stay, business travel plans, several designed especially for family travel, and even one that`s focused on the needs of backpacking travelers.

With just about every plan lost luggage coverage can be included or deleted a la carte, since travelers may find that this protection is included in their homeowners` policy. Full year UK travel insurance, as well as one or multiple trip options, also includes medical coverage while participating in most sports, although you sometimes must choose this option for the coverage.

Instant quotes are available online. On one informative UK site your instant quote is given individually for your choice of single trip, annual (also known as multiple trip) or backpacker.

Let`s take a look at the full year UK travel insurance quote.

For this quote you are asked to register and then choose destinations. The destination choices for this full year UK travel insurance plan are for travel specific to the UK, travel within all of Europe, travel worldwide with the exception of the United States and the Caribbean, word travel that includes the U.S. and the Caribbean, or travel in Australia and/or New Zealand. We indicated that we are a couple - 45 and 43 years of age - with no children under 19 accompanying us, that we are traveling throughout all of Europe starting September 1st of 2005, and that we are going to participate in winter sports.

The quotes, converted from British pounds to U.S. dollars, ranged between $92 and $255, depending on the extent of coverage. At the low end of the full year UK travel insurance coverage we found lower ceilings on medical coverage. These quotes also excluded lost baggage coverage and some sports coverage. An accident during a round of golf, for example, was not included in this quote.

The highest premium full year UK travel insurance product, offered an amazingly high ceiling on medical coverage - over $17 million -included compensation for any loss of limbs, dental coverage, mountain search and rescue and repatriation for medical emergency.

Clearly, if you seek full year UK travel insurance, you`ll find many options and something that will fit your wallet.