Maximum Number of Trips

What is Annual Travel Insurance?

Annual travel insurance, also known as multi-trip travel insurance, is a type of coverage designed to fit the needs of frequent travelers. Rather than purchasing a single-trip plan each time you travel, an annual travel insurance plan can offer similar coverage for a 12-month period.

Purchasing annual coverage is typically cost-effective if you plan on traveling at least three times a year. Most multi-trips plans include trip delay, baggage delay, baggage loss, and medical coverage.

How Many Trips Does Annual Travel Insurance Cover?

Most annual travel insurance plans do not place restrictions on the number of individual trips you can make within your coverage period. This means that you can take as many trips as you’d within a 12-month period and still be covered. However, some policies can

With that said, the majority of multi-trip policies do limit the number of days a covered trip can last, referred to as the Maximum Trip Length. Typically, annual policies will not cover an individual trip that exceeds 30-180 days, depending on the policy.

Is Annual Travel Insurance Worth It?

Yes, annual travel insurance can offer cost-effective travel insurance coverage to frequent leisure and business travelers. Like single-trip travel insurance, these policies provide valuable travel health insurance to those taking international trips, offering benefits such as Emergency Medical and Medical Evacuation coverage.

Unlike single-trip policies, however, most annual plans do not include Trip Interruption or Trip Cancellation coverage. If you want to protect your trip costs, and don’t have existing trip protection through a credit card, an annual travel insurance policy may not be for you.