There can be a huge difference in cover between one annual js insurance travel insurance policy and another. make sure you read all the small print to see what you are protected for.
You can buy annual js insurance travel insurance either as a single trip policy or an annual one. In most cases if you intend to go away more than once a year, you may find it cheaper to buy an annual travel insurance policy rather than 2 single polices.
Look out for any age restrictions to family policies that included children. Some policies may say that you require an adult policy for a 16 year old, even if they are still at home and at school. Some policies may allow that child to remain on the policy so long as they are at home and not in full time employment. If you have children at this age, you should check the small print.