What is “Maximum Number of Trips” in Travel Insurance?

When comparing annual travel insurance policies, you may encounter the term “Maximum Number of Trips.” This number outlines the most trips you’re permitted to take during the entire year that you are covered by your annual plan.

While the majority of annual plans do not limit the number of trips you can take, some travel insurance companies may impose such restrictions. Knowing the amount of trips an annual plan will cover is an important consideration when reviewing multiple policies side-by-side.

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.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Maximum Number of Trips coverage.

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Maximum Number of Trips by Provider

Last Updated: 10/08/2024
GeoBlue GeoBlue
Policy Name and Summary of Coverage
1

Trekker Choice excl US

No limit

There is no Maximum Number of Trips with this plan.

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2

Trekker Essential excl US

No limit

There is no Maximum Number of Trips with this plan.

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MedjetAssist MedjetAssist
Policy Name and Summary of Coverage
3

Annual Membership

No limit

There is no Maximum Number of Trips with this plan.

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4

MedjetAssist Extended Stay

No limit

There is no Maximum Number of Trips with this plan.

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