A single term plan provides coverage for the first school term beginning closest to the Covered Term start date you provided as shown on your Declarations. You only have the ability to file one claim on a single term product up to the coverage amount. A multi-term plan provides coverage for any school terms within 365 days of purchase. A multi-term plan allows you to file multiple claims up to your coverage amount. Please be sure to verify you have purchased coverage for the correct term(s).