Annual travel insurance

Cover all trips for 12 months and save with annual multi-trip travel insurance

If you’re a frequent traveler, taking out a separate travel insurance policy for every trip you take can be expensive, not to mention time consuming. Annual multi-trip travel insurance provides coverage for all the trips you take for 12 months. Coverage is available for both domestic and international journeys, and if you travel two or more times during the year, an annual multi-trip travel policy can save you money.

You’ll also save time. Instead of comparing policies and shopping around for the best deal each time you plan a trip, annual multi-trip insurance guarantees that you have the right coverage in place all year round.

Compare annual policies and apply

	Details	Features
RoamRight Travel Insurance Multi-Trip Medical	Coverage for up to 4 trips in a plan year — up to 30 consecutive days in length for each trip — anywhere in world.	Trip cancellation: None Emergency medical expenses: Up to $100,000 Baggage coverage: $250 Emergency evacuation & repatriation: $100,000	Go to site More info
RoamRight Travel Insurance Multi-Trip Annual	Coverage for all of your travels throughout the year, subject to a maximum length of 30 days per trip.	Trip cancellation: 100% cost of trip Emergency medical expenses: $25,000 Baggage coverage: $1,000 Trip delay: $1,000	Go to site More info
Allianz Annual Travel Insurance	Choose from several different annual travel insurance options to get the coverage that suits your lifestyle.	Trip cancellation: Up to $5,000 Emergency medical expenses: Up to $500,000 Baggage coverage: Up to $2,000 Trip delay: Up to $1,500	Go to site More info
Seven Corners Wander Frequent Traveler - Annual	Coverage for as many trips as you want for travel periods lasting up to 30 or 45 days.	Emergency medical expenses: $1,000,000 Medical evacuation & repatriation: $1,000,000 Baggage coverage: $500 Trip interruption: $5,000	Go to site More info
Travelex Flight Insure Multi-Trip AD&D Only	Accidental death and dismemberment coverage for unlimited trips.	Policy lasts for a 12 month period Covers AD&D only	Go to site More info
Travelex Flight Insure Package Plan Multi-trip	Coverage for medical expenses, emergency repatriation and delayed luggage for unlimited trips.	Policy lasts for a 12 month period Emergency medical expenses: $10,000 Baggage coverage: $1,000 Trip delay: $100	Go to site More info

What types of plans are available for annual policies?

If you’re looking to take out annual multi-trip travel insurance, be aware that comprehensive coverage is not available from most insurers. However, you’ll have access to the following types of policies:

• Emergency medical evacuation. If you become sick or injured while traveling, you’ll be covered for the cost of your transportation to a medical facility. Basic policies cover your transportation to the nearest hospital, while top-level policies provide coverage to bring you to the hospital of your choice.
• Travel medical insurance. Falling ill or getting injured while you’re overseas can be expensive. Annual multi-trip medical insurance covers emergency medical treatment, ambulance transportation and hospitalization overseas. In many cases, transportation to a better equipped facility is covered, and you also may get coverage for trip interruption, lost or stolen baggage and more.

Some insurers also offer accidental death travel insurance as a multi-trip policy option, but this isn’t as common.

Who can benefit from multi-trip coverage?

Annual multi-trip travel insurance is designed with frequent travelers in mind, including:

• Business travelers. Corporate travelers, like business owners or IT consultants, who take multiple small trips throughout the year.
• Travel enthusiasts. Some people simply love to travel and take trips whenever they have the time and money.
• Retirees. If you’re no longer working but still in good health, retirement is the perfect time of life to get out and explore the world.

If you fit into one of the above categories, taking out single trip travel insurance for every trip you take is expensive. Over 12 months, annual multi-trip travel insurance can offer significant savings.

Shopping around for travel insurance is timely, comparing many policies to find the best option. But by taking out annual multi-trip coverage, you have the travel insurance you need all year long.

Why annual coverage is not for everyone

Just like any other type of travel insurance, annual multi-trip coverage features a range of restrictions, limitations and exclusions, including:

• No comprehensive cover. The amount of coverage that a comprehensive travel plan offers is offered only for single-trip insurance plans.
• No domestic health coverage. If you’re traveling within the US, you won’t be covered for emergency medical expenses. You’ll need a major medical health insurance policy in place — in fact, this is often a requirement for annual multi-trip coverage.
• Trip length limits. Most insurers allow either 30 or 45 day maximum for each trip.
• Age limits. If you’re older than 65, you may not be able to find multi-tip coverage.
• No trip cancellation. Because you won’t know the details of all of your trips when taking out an annual policy, you won’t be reimbursed for cancelling your trip.

What does annual coverage include?

Annual multi-trip medical evacuation policies usually offer the following benefits:

• Professional services. The cost of surgery, anesthesia, X-rays, in-hospital doctor visits, lab tests and more.
• Inpatient hospital services. In-patient medical emergency coverage and hospital stays.
• Ambulance. Ambulance transportation is covered.
• Emergency medical evacuation. Evacuation to a suitable medical facility if it’s medically necessary.
• Repatriation of remains. Repatriation of your remains to the US following your death. This also includes local burial or cremation.
• Accidental death and dismemberment. If you die or suffer loss of limb from an accident during your trip, your policy will pay a lump sum benefit.
• Urgent care center. You’re covered for Medical care and treatment you receive at an urgent care center.
• Outpatient prescription drugs. If you require prescription drugs as an outpatient while outside the US, many policies will pay.
• Dental care. Emergency dental care following an injury or to provide relief from pain.
• Physical and occupational therapy. Coverage if you require physical, occupational therapy or medicine to help with your recovery from an injury or illness.
• Emergency reunion. Coverage for the cost of reuniting you with your family members following an injury or illness.
• Trip interruption. If you or your traveling companions become ill or injured injury while on vacation, additional accommodation and travel costs are covered.
• Loss of checked baggage. Coverage when your checked baggage is lost or damaged.
• Travel delay. Coverage for accommodations and meals when your trip is delayed.
• Other benefits. Depending on the policy, you may also be able to take advantage of coverage for personal liability, natural disaster, crisis response, bedside visit and more.

What isn’t covered?

Your annual multi-trip travel insurance claim will typically not be covered if your claim is:

• Caused by any pre-existing medical condition.
• For treatment or surgery that is elective, experimental, investigational or for research purposes.
• Due to war, terrorism, political insurrection or protest.
• For immunizations or routine physical exams.
• Related to venereal disease or the AIDS virus.
• Related to pregnancy, childbirth, birth control or abortion.
• Following your participation in any excluded sport or adventure activity.
• Related to visual or hearing tests and the provision of visual or hearing aids.
• For vocational, recreational or speech therapy.
• Because you break the law or engage in an illegal occupation or act.
• If you’re under the influence of alcohol or drugs.
• For any willfully self-inflicted injury or illness.
• For any treatment or services provided or supplied by a relative of yours.
• For the treatment of mental or nervous disorders.
• For organ or tissue transplants or any related services.

Frequently asked questions

• How long can each trip be?

  While you may be covered for 12 months, the length of individual trips can vary between insurers — generally between 30 and 75 days.

• Is there a limit to the number of trips I can take?

  There is no limit to the number of trips you can take in any 12-month period.

• Can I get coverage to cancel for any reason?

  No. Unfortunately annual travel insurance won’t cover you for cancellation for any reason.

• Can I include standard cancellation coverage on my policy?

  Some policies do provide the option to include trip cancellation on your policy. Be warned that these options are often very expensive with only low levels of cancellation coverage offered.

• Which destination do I choose when getting a quote?

  You generally don’t need to state a destination as you will be covered in all destinations over the 12-month period. However, there may be countries that are excluded due to US travel warnings.

• Can I get a group annual travel insurance?

  Yes, you can receive an annual quote for your travel group or family. They just need to be sharing the same itinerary as you.

• What if I am taking one trip but stopping in multiple destinations, should I get an annual policy?

  No. All destinations are covered under the single trip policy, provided you don’t return home between each destination. Multiple trips within the same year should be covered by a multi-trip policy.

• Do I need to have health coverage in place to get annual travel insurance?

  Yes. All multi-trip policies require that you have primary health coverage in place in the US. You will not be eligible for coverage if you do not have this in place.

Compare annual travel insurance from US companies