- The best annual multi-trip travel insurance plans
- Understanding annual multi-trip travel insurance
- The price of annual multi-trip travel insurance
- The coverage of annual multi-trip travel insurance
- The conditions of annual multi-trip travel insurance
- Why take out annual multi-trip travel insurance?
- How to choose the right annual multi-trip travel insurance
- Does your current insurance cover annual multi-trip travel?
- FAQ
annual multi-trip travel insurance: key takeaways
1. Definition: Annual multi-trip insurance covers unlimited trips in one year, ideal for frequent international or domestic travelers.
2. Price: An annual plan can cost from $250 to $500+, often cheaper than insuring multiple trips separately.
3. Coverage: Typically covers medical emergencies, trip cancellation, and baggage, but often excludes pre-existing conditions and high-risk sports.
4. Bank cards and health insurances: Credit cards and US health plans like Medicare offer minimal or no coverage for medical emergencies abroad.
5. Tips: Verify the maximum trip duration limit and ensure medical coverage is at least $100,000 for international travel.
6. Other useful info: Many annual policies also provide valuable coverage for domestic trips within the United States, not just international ones.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 38 travel insurance policies available in the US, our experts share everything you need to know to choose the best annual multi-trip travel insurance.
The best annual multi-trip travel insurance plans
Here is a selection of the best annual multi-trip travel insurance policies for residents of the United States.
These options are recognized for their high coverage limits, low deductibles and straightforward terms, giving travelers reliable protection for multiple journeys during the year.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | 1.0M $ | None mentioned |
|
| Cap Assistance 24/24 | 1.0M $ | None mentioned |
|
| Tourist Card | 0.5M $ | 32 $, 65 $ for USA/Canada |
|
| World Travel | 0.7M $ (USA/Canada), 0.3M $ (others) | 54 $ per claim |
|
| Globe Partner | 0.3M $ | None mentioned |
|
| Globe Traveller | 0.5M $ | None mentioned |
|
- Covers adventure sports.
- Fast claims reimbursement.
- Medical teleconsultation included.
- 24/7 emergency hotline.
- Mobile medical app access.
- 24/7 multilingual support.
- Pet care in emergencies.
- Flat premiums without age surcharges.
- Fast online refunds.
- Flexible trip cancellation.
- Legal assistance.Ideal for remote workers.
- Includes quarantine benefits.
- Mental health support.
- Passport loss help.
- Political evacuation covered.
- Budget-friendly for young adults.
- Paperless sign-up.
- Email claim tracking.
- Insures long trips up to 12 months.
- Premiums unchanged after age 60.
- Assistance in several languages.
The best annual multi-trip travel insurance always depends on your personal travel habits. Use HelloSafe’s travel insurance comparison tool to find and subscribe to the plan that matches your needs online.
Compare the best travel insurance for freeI compareUnderstanding annual multi-trip travel insurance
Annual multi-trip travel insurance is comprehensive coverage that protects frequent travelers on an unlimited number of trips within a 12-month period. It covers multiple journeys, each with a maximum duration limit per trip, such as 30 or 60 days, depending on the policy.
This insurance is ideal for business professionals or vacationers who travel abroad multiple times per year.
Annual multi-trip insurance is also called multi-trip or yearly travel insurance in the US. It is different from single-trip insurance, which only covers one journey during a set period.
Expert advice
Here are the cases where purchasing annual multi-trip travel insurance is especially relevant for travelers from the US:
- when you take three or more trips within a single year
- for frequent business travelers who take multiple trips for work
- if you enjoy spontaneous or last-minute getaways throughout the year
- for regular cross-border travel to Canada, Mexico, or the Caribbean
- when your plans include both international and domestic US travel
- to maintain continuous coverage without buying a new policy each time
- if you are a "snowbird" or retiree traveling several times annually
The price of annual multi-trip travel insurance
On average, annual multi-trip travel insurance costs between 4% and 7% of the total value of your annual travel expenses.
| Trip | Trip cost | Indicative price per person |
|---|---|---|
| 4 business trips in a year to Europe and Asia | $12,000 | $400 to $700 |
| 6 family vacations per year within the US and Mexico | $18,000 | $500 to $900 |
| 8 mixed trips worldwide (leisure and work) | $25,000 | $600 to $1,200 |
| 12 short trips globally, each less than 30 days | $30,000 | $800 to $1,500 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your annual multi-trip travel insurance depends on several factors:
- number and length of trips: more frequent or longer trips may increase your annual premium.
- destinations: destinations with expensive healthcare, like the US or Japan, usually lead to higher premiums.
- traveler’s age: coverage is more expensive for seniors and older travelers.
- coverage level: higher medical and evacuation limits, as well as premium plans, raise the cost.
- planned activities and options: risky sports coverage, valuable equipment, or “cancel for any reason” features will increase the price.
The coverage of annual multi-trip travel insurance
Annual multi-trip travel insurance offers continuous coverage for an unlimited number of trips during a 12-month period.
It protects you whenever and wherever you travel, as long as each trip stays within the policy's maximum duration.
This type of policy is ideal for frequent travelers who want peace of mind all year round.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| ✈️ Trip cancellation | Refunds prepaid non-refundable expenses if you must cancel a trip for a covered reason. | Minimum $5,000 per trip, no deductible over $50. Cancellations for work reasons or if you simply change your mind are often excluded. |
| 🛬 Missed connection | Pays for extra transport costs if you miss a flight due to acceptable delays. | At least $300 for each missed connection, maximum deductible $0. Excludes delays from being late or lacking required paperwork. |
| 🧳 Baggage loss/theft | Covers loss, theft, or damage to your belongings during travel. | At least $1,500 per trip with deductible under $50. Electronics, business items, and unattended bags may not be covered. |
| 🕒 Travel delay | Pays fixed compensation for significant transport delays, including meals and lodging. | At least $200 after a 6-hour delay, with no deductible. Delays not backed by documentation and short waits are excluded. |
| 🏥 Emergency medical | Key guarantee. Pays for medical treatment abroad for accidental injury or sudden illness. | At least $250K per trip, no deductible above $50. Pre-existing conditions, routine care, and elective treatments are excluded. |
| 🚑 Medical evacuation | Key guarantee. Pays for medically necessary evacuation to hospital or home. | Unlimited coverage is best, or at least $500K per trip, no deductible. Not covered for minor illnesses or evacuation refused by the insurer. |
| 🦷 Emergency dental | Pays for urgent dental care during trips. | $250 or more per trip, deductible under $30. Cosmetic care, orthodontics, and planned treatments are excluded. |
| 🧑⚖️ Personal liability | Pays damages and legal costs if you accidentally injure others or damage property while abroad. | At least $250K, deductible under $100. Damages to family or rental property are often excluded. |
| 🧳 Baggage delay | Compensates for the purchase of essentials if your checked bag is delayed. | At least $200 after a 24-hour delay, no deductible. Coverage does not apply to return trips or delays with no written proof. |
| ⚖️ Legal assistance | Pays for lawyer fees and bail in case of legal trouble abroad. | Minimum $3,000 legal costs, $7,500 bail, aim for no high deductible. Alcohol-related incidents, fraud, or criminal actions not covered. |
Cancellations for work reasons or if you simply change your mind are often excluded.
Excludes delays from being late or lacking required paperwork.
Electronics, business items, and unattended bags may not be covered.
Delays not backed by documentation and short waits are excluded.
Pre-existing conditions, routine care, and elective treatments are excluded.
Not covered for minor illnesses or evacuation refused by the insurer.
Cosmetic care, orthodontics, and planned treatments are excluded.
Damages to family or rental property are often excluded.
Coverage does not apply to return trips or delays with no written proof.
Alcohol-related incidents, fraud, or criminal actions not covered.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the annual multi-trip travel insurance best suited to your profile and your trips, easily compare offers on HelloSafe.
The conditions of annual multi-trip travel insurance
Annual multi-trip travel insurance is valid only if certain key conditions are respected during each journey.
- Policy activation: you must purchase the coverage before your first trip begins, not after travel has started.
- US residency: you must be a legal resident of the United States at the time you purchase the policy.
- Trip duration limits: each trip must not exceed the maximum length stated in your policy, often 30, 60, or 90 days per trip.
- Return to home country: you must return to your US home address between each covered trip for the policy to stay valid.
- Covered destinations: you cannot travel to destinations listed as excluded or “do not travel” by the US Department of State.
- Incident reporting: you must notify the insurer as soon as possible after any incident that may lead to a claim.
- Documentation required: you must keep and provide all necessary receipts, records, and evidence to support any claim made.
- Minimum age requirement: policyholders often need to be at least 18 years old to apply for annual multi-trip coverage.
Watch out!
A common mistake with annual plans is overlooking the per-trip duration limit. Your year-long policy doesn't cover a year-long trip. Each journey has a maximum length, often 30-90 days. Exceeding this limit on a single trip can void your coverage for that entire journey.
Why take out annual multi-trip travel insurance?
When traveling several times a year, incidents and health issues can happen at any moment and can lead to expensive costs abroad.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to 100%, often from the first dollar |
| Stitches after a fall |
| Up to 100%, subject to policy limits |
| Consultation and treatment for an intestinal infection |
| Up to 100%, less deductible if any |
| Emergency tooth extraction |
| Partial reimbursement, usually up to policy limit |
- Europe: $400 to $600
- North America: $800 to $1,200
- Asia: $200 to $400
- Europe: $300 to $500
- North America: $600 to $1,000
- Asia: $150 to $300
- Europe: $200 to $400
- North America: $500 to $800
- Asia: $100 to $250
- Europe: $250 to $450
- North America: $400 to $700
- Asia: $100 to $200
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
With annual multi-trip travel insurance, you are also covered for many other risks such as trip cancellation or interruption, lost or delayed luggage, personal liability during your travels, emergency repatriation, and 24/7 travel assistance.
Good to know
For frequent travelers, an annual plan is the smart, cost-effective choice. It covers unlimited trips and protects you from massive overseas medical bills your domestic insurance won't touch. A plan from Heymondo gives you year-round peace of mind without the hassle of repeat buying.
How to choose the right annual multi-trip travel insurance
Coverage amounts, benefit limits, and policy exclusions can vary significantly between annual multi-trip travel insurance plans. Comparing these criteria helps you select the right protection for how, where, and how often you travel each year.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💵 Reimbursement limits | High limits are crucial if you face a serious medical or travel emergency. | Always prioritize at least $100,000 medical and $500,000 evacuation coverage for global destinations. |
| 📉 Deductible | This is what you pay out of pocket before coverage starts for a claim. | Choose lower deductibles—no more than $200 per claim—especially on medical expenses or trip cancellations. |
| 📋 Policy conditions | Some features only apply if you buy or renew at a certain time. | Check purchase timing rules for benefits like pre-existing condition waivers or “cancel for any reason” upgrades. |
| 🎂 Traveller’s age | Premiums, coverage limits, and eligibility can change for older travelers. | Look for plans that cover all ages and maintain adequate medical and evacuation limits for seniors. |
| 👨👩👧 Traveller profile | Needs differ for solo, business, family, or senior travelers. | Select family or business coverage if relevant, to avoid duplicate plans and simplify claims. |
| 📆 Duration per trip | Each trip often has a coverage cap, such as 30, 60, or 90 days. | Make sure your longest trip fits within the single trip maximum allowed under your plan. |
| 🌍 Geographic area | Some plans exclude certain regions or have higher premiums for global coverage. | Confirm “worldwide including USA” coverage if you visit many countries or require domestic protection. |
| 🛡️ Existing coverage | You may have partial travel protection from a card, employer, or another policy. | Review current insurance and bank card perks so you do not over-insure or skip essential coverage. |
| ⚽ Planned activities | Adventure or work activities may be excluded or require additional options. | Disclose adventure sports or business travel to ensure they are fully covered under your selected plan. |
Does your current insurance cover annual multi-trip travel?
It is reasonable to ask whether your current coverage, such as credit card insurance or public health insurance, can provide the same protection as annual multi-trip travel insurance, but unfortunately this is seldom the case. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | annual multi-trip travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | Covers emergencies only within the US. Does not cover: medical care abroad, repatriation, trip cancellation, lost baggage. | Travel insurance covers up to $1,000,000 medical, with repatriation, baggage, annual trip cancellation and 24/7 worldwide support, all year round. |
| Private health insurance (Blue Cross Blue Shield, Aetna) | Almost Never | Some emergency coverage abroad, typically up to $50,000-$100,000, only for brief trips. Does not cover: trip cancellation, lost baggage, long stays, trip interruption, global assistance. | Travel insurance provides $500,000-$1,000,000 with cancellation, lost baggage, global evacuation, and every trip within a year automatically covered. |
| Classic credit card (Visa Classic, Mastercard Standard) | Never | Covers limited travel accident insurance, some baggage loss, and only for bookings paid with the card, up to $10,000. Does not cover: medical abroad, evacuation, multi-trip coverage, trip interruption, frequent travel needs. | Travel insurance covers full $1,000,000 medical, all trips, evacuation, 24/7 help, and covers all travel regardless of booking method. |
| Premium credit card (Chase Sapphire Preferred, Amex Gold) | Limited coverage | Trip cancellation up to $10,000, baggage up to $3,000 per trip. Does not cover: comprehensive medical, evacuation, continuous annual coverage, multiple family trips together. | Travel insurance pays up to $1,000,000 for medical, evacuation, baggage, and all multi-trip needs for frequent travelers each year. |
Does not cover: medical care abroad, repatriation, trip cancellation, lost baggage.
Does not cover: trip cancellation, lost baggage, long stays, trip interruption, global assistance.
Does not cover: medical abroad, evacuation, multi-trip coverage, trip interruption, frequent travel needs.
Does not cover: comprehensive medical, evacuation, continuous annual coverage, multiple family trips together.
Expert advice
Your credit card or health insurance may not cover trip interruptions for a relative's illness or death. Always read the fine print to avoid costly surprises abroad. For true peace of mind, it's always safer and more reassuring to purchase dedicated travel insurance tailored to your specific trip.
FAQ
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is not legally required in most countries, but it is mandatory for some destinations if a visa requires proof of insurance, such as the Schengen Zone. Even where not required, it is strongly recommended for frequent travelers. For example, if you travel multiple times a year for business or leisure, insurance ensures you are always protected from costly emergencies or cancellations.
When is it recommended to purchase annual multi-trip travel insurance?
It is best to purchase annual multi-trip travel insurance before your first trip of the year begins. Early purchase guarantees coverage for pre-departure events such as cancellations or unexpected illnesses. This approach also provides financial benefits by covering all trips in a 12-month period with a single annual premium, rather than buying separate policies.
How do I purchase annual multi-trip travel insurance?
1/ Compare available plans by using HelloSafe’s travel insurance comparison platform for the best fit.2/ Check guarantees and exclusions closely, with attention to maximum trip duration and destination coverage.3/ Purchase your chosen plan online through the insurer’s website.4/ Receive your insurance certificate immediately by email, ready for border crossings or visa applications.
Can I purchase annual multi-trip travel insurance after booking my trips?
Yes, you can purchase annual multi-trip coverage after booking your trips and even after starting your travel, depending on the insurer’s policy. However, coverage for trip cancellations or pre-existing events usually begins only after the policy is activated, so buying early is best for comprehensive protection.
How do I make a claim under annual multi-trip travel insurance?
To make a claim, contact your insurer’s claims hotline or access their online portal as soon as possible after an incident. Gather necessary documentation, such as medical reports, receipts, or proof of trip disruption. Submit these along with your claim form; most insurers respond within a few weeks and offer updates via email or their app.
Does annual multi-trip insurance cover trips within the United States?
Many annual multi-trip policies include coverage for domestic trips, especially if you travel between states. Coverage typically includes trip cancellations, emergency medical care in areas outside your network, lost baggage, and travel delays, which can be particularly useful for frequent flyers or business travelers within the US.
Is there a maximum duration for each trip under annual multi-trip travel insurance?
Yes, most annual multi-trip policies have a per-trip duration limit—commonly 30, 60, 90, or 180 days depending on the plan. If any of your trips exceed that maximum, those days may not be covered or you may need a supplemental single-trip or long-stay policy to fill in the gap.
Can I add my family to my annual multi-trip travel insurance policy?
Many insurers offer family annual multi-trip plans that cover a spouse and dependent children traveling with you. Family plans are often more cost-effective than buying separate policies for each traveler and can simplify claims if everyone is covered under one plan. Coverage and rules vary, so check family policy terms when comparing options.
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is not legally required in most countries, but it is mandatory for some destinations if a visa requires proof of insurance, such as the Schengen Zone. Even where not required, it is strongly recommended for frequent travelers. For example, if you travel multiple times a year for business or leisure, insurance ensures you are always protected from costly emergencies or cancellations.
When is it recommended to purchase annual multi-trip travel insurance?
It is best to purchase annual multi-trip travel insurance before your first trip of the year begins. Early purchase guarantees coverage for pre-departure events such as cancellations or unexpected illnesses. This approach also provides financial benefits by covering all trips in a 12-month period with a single annual premium, rather than buying separate policies.
How do I purchase annual multi-trip travel insurance?
1/ Compare available plans by using HelloSafe’s travel insurance comparison platform for the best fit.2/ Check guarantees and exclusions closely, with attention to maximum trip duration and destination coverage.3/ Purchase your chosen plan online through the insurer’s website.4/ Receive your insurance certificate immediately by email, ready for border crossings or visa applications.
Can I purchase annual multi-trip travel insurance after booking my trips?
Yes, you can purchase annual multi-trip coverage after booking your trips and even after starting your travel, depending on the insurer’s policy. However, coverage for trip cancellations or pre-existing events usually begins only after the policy is activated, so buying early is best for comprehensive protection.
How do I make a claim under annual multi-trip travel insurance?
To make a claim, contact your insurer’s claims hotline or access their online portal as soon as possible after an incident. Gather necessary documentation, such as medical reports, receipts, or proof of trip disruption. Submit these along with your claim form; most insurers respond within a few weeks and offer updates via email or their app.
Does annual multi-trip insurance cover trips within the United States?
Many annual multi-trip policies include coverage for domestic trips, especially if you travel between states. Coverage typically includes trip cancellations, emergency medical care in areas outside your network, lost baggage, and travel delays, which can be particularly useful for frequent flyers or business travelers within the US.
Is there a maximum duration for each trip under annual multi-trip travel insurance?
Yes, most annual multi-trip policies have a per-trip duration limit—commonly 30, 60, 90, or 180 days depending on the plan. If any of your trips exceed that maximum, those days may not be covered or you may need a supplemental single-trip or long-stay policy to fill in the gap.
Can I add my family to my annual multi-trip travel insurance policy?
Many insurers offer family annual multi-trip plans that cover a spouse and dependent children traveling with you. Family plans are often more cost-effective than buying separate policies for each traveler and can simplify claims if everyone is covered under one plan. Coverage and rules vary, so check family policy terms when comparing options.
