Maximum Trip Length for Annual Travel Insurance

What is “Maximum Trip Length” in Travel Insurance?

“Maximum Trip Length” refers to the longest single trip you can take during the time you’re covered by an annual travel insurance plan.

Trip length is determined by adding up the number of days you’re away from home, starting on your scheduled departure date and ending on your scheduled return date. The Maximum Trip Length an annual policy will cover can vary, but most range between 30-180 days.

A policy’s Maximum Trip Length is an important consideration when comparing plans from multiple travel insurance companies.

What is Annual Travel Insurance?

Annual travel insurance policies, commonly referred to as multi-trip plans, are 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 popular travel insurance benefits such as trip delay, baggage delay, baggage loss, and medical coverage.

What is the Maximum Trip Length Annual Travel Insurance Covers?

While multi-trip travel insurance policies typically don’t limit the number of trips that can be taken during the coverage period, most plans have strict rules on the number of days an individual trip can last.

The Maximum Trip Length of most annual travel insurance policies can range from 30-180 days. However, the most common Maximum Trip Length you’ll find when comparing annual plans is 90 days, meaning that any trip that lasts more than 90 days won’t be eligible for coverage.

Is Annual Travel Insurance Worth It?

Yes, annual travel insurance can provide cost-effective travel insurance coverage to frequent leisure and business travelers. Like single-trip travel insurance, these policies provide peace of mind and 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. 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 Trip Length coverage.

Maximum Trip Length by Provider

Last Updated: 10/17/2024

GeoBlue
Policy Name and Summary of Coverage		Full Policy Wording
1	Trekker Choice excl US 70 days per trip	Maximum Trip Coverage Period: Coverage starts on the first day of any trip and continues for a maximum of the first 70 consecutive days of such trip. In no event will coverage for a trip extend past the Extension of Coverage period stated below or as stated in the benefit provisions. Extension of Coverage If the Covered Person has not cancelled his/her coverage, then coverage for a trip will extend past the Trip Coverage End Date if the Insured Person’s return is delayed by unforeseeable circumstances beyond his/her control. In this event, coverage will be extended, if: 1. The Covered Person’s entire original itinerary was covered under this Certificate; 2. The Covered Person requests an extension of coverage through the Insurer’s Administrator The extension of coverage will end on the earlier of: 1. The date the Covered Person reaches his/her Home Country. 2. 7 days after the original coverage period requested and paid for by the Eligible Participant. There is no charge for the Extension of Coverage. Read Hide Full Policy Wording
	Maximum Trip Coverage Period: Coverage starts on the first day of any trip and continues for a maximum of the first 70 consecutive days of such trip. In no event will coverage for a trip extend past the Extension of Coverage period stated below or as stated in the benefit provisions. Extension of Coverage If the Covered Person has not cancelled his/her coverage, then coverage for a trip will extend past the Trip Coverage End Date if the Insured Person’s return is delayed by unforeseeable circumstances beyond his/her control. In this event, coverage will be extended, if: 1. The Covered Person’s entire original itinerary was covered under this Certificate; 2. The Covered Person requests an extension of coverage through the Insurer’s Administrator The extension of coverage will end on the earlier of: 1. The date the Covered Person reaches his/her Home Country. 2. 7 days after the original coverage period requested and paid for by the Eligible Participant. There is no charge for the Extension of Coverage. Read Hide Full Policy Wording
2	Trekker Essential excl US 70 days per trip	Maximum Trip Coverage Period: Coverage starts on the first day of any trip and continues for a maximum of the first 70 consecutive days of such trip. In no event will coverage for a trip extend past the Extension of Coverage period stated below or as stated in the benefit provisions. Extension of Coverage If the Covered Person has not cancelled his/her coverage, then coverage for a trip will extend past the Trip Coverage End Date if the Insured Person’s return is delayed by unforeseeable circumstances beyond his/her control. In this event, coverage will be extended, if: 1. The Covered Person’s entire original itinerary was covered under this Certificate; 2. The Covered Person requests an extension of coverage through the Insurer’s Administrator The extension of coverage will end on the earlier of: 1. The date the Covered Person reaches his/her Home Country. 2. 7 days after the original coverage period requested and paid for by the Eligible Participant. There is no charge for the Extension of Coverage. Read Hide Full Policy Wording
	Maximum Trip Coverage Period: Coverage starts on the first day of any trip and continues for a maximum of the first 70 consecutive days of such trip. In no event will coverage for a trip extend past the Extension of Coverage period stated below or as stated in the benefit provisions. Extension of Coverage If the Covered Person has not cancelled his/her coverage, then coverage for a trip will extend past the Trip Coverage End Date if the Insured Person’s return is delayed by unforeseeable circumstances beyond his/her control. In this event, coverage will be extended, if: 1. The Covered Person’s entire original itinerary was covered under this Certificate; 2. The Covered Person requests an extension of coverage through the Insurer’s Administrator The extension of coverage will end on the earlier of: 1. The date the Covered Person reaches his/her Home Country. 2. 7 days after the original coverage period requested and paid for by the Eligible Participant. There is no charge for the Extension of Coverage. Read Hide Full Policy Wording

MedjetAssist
Policy Name and Summary of Coverage		Full Policy Wording
3	Annual Membership 90 days per trip	EXTENDED STAYS OUTSIDE OF RESIDENCE COUNTRY A Member traveling, living or otherwise staying outside his or her Home Country for an uninterrupted period in excess of 90 consecutive days is not eligible for membership services under an Annual Individual, Annual Family or Diamond Membership. Extended Stay (Expat) Memberships are available. Please contact Medjet for additional information on Expat Memberships. Read Hide Full Policy Wording
	EXTENDED STAYS OUTSIDE OF RESIDENCE COUNTRY A Member traveling, living or otherwise staying outside his or her Home Country for an uninterrupted period in excess of 90 consecutive days is not eligible for membership services under an Annual Individual, Annual Family or Diamond Membership. Extended Stay (Expat) Memberships are available. Please contact Medjet for additional information on Expat Memberships. Read Hide Full Policy Wording
4	MedjetAssist Extended Stay 180 days per trip	Medjet’s Expat180 Membership is for the Medjet Member traveling outside his or her Home Country (U.S., Canada or Mexico) for up to 180 consecutive days. If the Member returns to his or her Home Country at any time during that period, the time is reset and will begin again upon his or her next departure out of his or her Home Country. Read Hide Full Policy Wording
	Medjet’s Expat180 Membership is for the Medjet Member traveling outside his or her Home Country (U.S., Canada or Mexico) for up to 180 consecutive days. If the Member returns to his or her Home Country at any time during that period, the time is reset and will begin again upon his or her next departure out of his or her Home Country. Read Hide Full Policy Wording

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