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I am travelling with my parents. Before joining us in France (Schengen country), they shall stay with my cousins in the UK (Non Schengen country). I have purchased a Gold Multitrip 100 plan for them.
Each time you will have to buy a single trip policy for the Schengen countries (S Plan) since the product requirements are different for Schengen countries e.g. no sub-limits are applicable for Schengen countries. The Schengen visa requires a no sub-limit plan so a Non-Schengen plan (with sub-limits) shall not be valid in Schengen countries. Hence it is highly advisable that you check the geographical scope of the policies that you buy to avoid last minute hassles.