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.
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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.
Back to topWhy 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.