Over a twelve-month period, my itineraries may include both neighboring European countries and longer-distance destinations, so it's helpful to check the available territorial zones at https://www.globelink.eu/annual-travel-insurance.html. For worldwide coverage, it's especially important to consider countries with high healthcare costs. I also pay attention to exclusions related to specific regions and the nature of the trip. Which insurance geography do you choose for a combined itinerary?