Am I covered for a trip that occurs after my current annual policy ends?

If you have an annual policy, you may be covered for any planned holidays that fall outside the cover period.

Although the trip is outside the period of cover, if the event/incident occurs during the current period of insurance, you can still submit a claim for consideration

However, this is applicable only if your annual policy includes the destinations you are traveling to and also includes cruise cover if you are going on a cruise.