- Based on our analysis, the best annual travel insurance plans come from Heymondo, Worldtrips, AEGIS, Seven Corners, Trawick, GeoBlue, & MedJet Assist. (skip ahead to view these plans)
- Annual plans are expensive, but buying an annual travel insurance plan may be cheaper if you plan to take several trips a year.
- Coverage inclusions of annual travel insurance plans vary widely by provider, with most plans focusing heavily on travel medical coverage.
- Our 2 favorite annual multi-trip plans from Heymondo and Worldtrips offer comprehensive coverage for medical emergencies as well as trip cancellations and interruptions, baggage issues, and more.
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On This Page
- Key Takeaways
- Detailed look at best annual travel insurance plans of 2024
- Compare Annual Travel Insurance
- Pros & cons of annual travel insurance plans
- What does annual travel insurance cover?
- How much does annual travel insurance cost?
- Annual travel insurance vs single-trip insurance
- Our top picks for single-trip plans
- Is annual travel insurance worth it?
- Multi-Trip Insurance FAQ
- Recommended articles
- Related topics
On This Page
- Key Takeaways
- Detailed look at best annual travel insurance plans of 2024
- Compare Annual Travel Insurance
- Pros & cons of annual travel insurance plans
- What does annual travel insurance cover?
- How much does annual travel insurance cost?
- Annual travel insurance vs single-trip insurance
- Our top picks for single-trip plans
- Is annual travel insurance worth it?
- Multi-Trip Insurance FAQ
- Recommended articles
- Related topics
Best Annual Travel Insurance: Multi-Trip Coverage
Holly D. Johnson - Finance Expert
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Our top 3 recommendations for annual travel insurance
Best Overall (Includes 5% Discount)
Heymondo
GET A QUOTE
via Heymondo's secure website
Preferred Plan
Annual Multi-trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Best Runner-up
WorldTrips
GET A QUOTE
via Worldtrip's website
Preferred Plan
Atlas MultiTrip
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$1,000,000
/
$1,000,000
Strongest for Cancellation & Interruptions
Seven Corners
GET A QUOTE
via Seven Corners' secure website
Preferred Plan
Trip Protection Annual Multi-Trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000
/
$500,000
An annual travel insurance plan, or multi-trip insurance plan, is a type of travel insurance policy that provides coverage for every trip you take over a period of up to 365 days.
While single-trip insurance is a great option for seldom travelers, multi-trip travel insurance might make more sense if you travel regularly.
Annual travel insurance policies can be ideal for:
- Digital nomads
- Students abroad
- Early retirees
- Long-term travelers
- Frequent business travelers
- Families who regularly bounce between countries and destinations
If you fall into one of these groups, annual travel insurance is convenient and can also be more cost-effective than buying a separate plan each time you travel. That said, not all travel insurance companies offer annual plans, and even then, coverage varies greatly between plans.
Here are our recommendations for the best annual travel insurance in 2024.
Detailed look at best annual travel insurance plans of 2024
Advertiser Disclosure
Heymondo
GET A QUOTE
via Heymondo's secure website
Preferred Plan
Annual Multi-trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Why We Like It
Editor's take
The Heymondo Annual Multi-trip plan is our top choice for annual travel coverage thanks to its comprehensive benefits at an affordable price point.
Heymondo is a lesser-known provider but has a major following among travel bloggers and people who are “in the know.” It offers extremely comprehensive annual multi-trip travel coverage for people looking for a 12-month plan.
The Heymondo Annual Multi-trip plan comes with $100K of emergency medical and dental coverage, $500K of emergency medevac & repatriation coverage, $5K of search and rescue coverage, and $3K of trip cancellation and interruption benefits. These are some of the most comprehensive coverages currently on offer among annual multi-trip plans available through major providers.
Apart from these integral protections, you’ll also get coverage for trip delays, missed connections, lost and delayed baggage, accidental death and dismemberment coverage, adventure sports protection, and more.
As a reader of LA Times, you’ll also get a 5% discount on this policy, thanks to our friends and family agreement with Heymondo!
PROS
- Comprehensive medical & cancellation coverage
- Includes Search & Rescue coverage
- Covers adventure sports & activities
CONS
- Trip cancellation/interruption has $3,000 max limit
- Long list of excluded items for loss & damage protection
WorldTrips
GET A QUOTE
via Worldtrip's website
Preferred Plan
Atlas MultiTrip
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$1,000,000
/
$1,000,000
Why We Like It
Editor's take
The Worldtrips Atlas Multi-trip plan is our runner-up for the best annual travel coverage thanks to its comprehensive benefits and extremely high medical coverage. It can cover you for an unlimited number of international trips lasting up to 30 or 45 days.
You’ll get $1M in emergency medical treatment coverage as well as $1M in emergency medical evacuation coverage. Apart from this, Worldtrips is one of the few providers that offers comprehensive benefits with its annual multi-trip plan.
This means you’ll also get coverage for things like dental emergencies, accidental death and dismemberment, trip delays, lost checked baggage, personal liability, and more.
This plan also includes trip interruption benefits of up to $10,000.
This is one of the most complete plans we have found for annual multi-trip coverage, but it is more expensive than our top plan from Heymondo.
PROS
- Get coverage for medical expenses and emergency medical evacuation worth up to $1 million
- Coverage can apply to multiple trips during 364 days
CONS
- A $250 deductible applies per trip
- Non-medical insurance benefits come with low limits
- Some benefit amounts are lower for older travelers
- Co-payments can apply for select medical care
Full Policy Details
Seven Corners
GET A QUOTE
via Seven Corners' secure website
Preferred Plan
Trip Protection Annual Multi-Trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000
/
$500,000
Why We Like It
Editor's take
Seven Corners is a star insurance provider with a great reputation among professionals in the industry.
The Seven Corners Trip Protection Annual Multi-Trip plan allows you to travel as many times as you’d like throughout the year under one policy. With $250,000 worth of medical coverage ($50,000 for New Hampshire residents), you are protected should the worst happen during your trip.
Alongside this standard medical coverage, the Trip Protection Annual Multi-Trip plan covers emergency dental expenses up to $750 and coverage for COVID-19-related illnesses.
This plan enables you to choose from four levels of trip cancellation coverage: $2,500; $5,000; $7,500; and $10,000. Trip interruption coverage also provides up to 150% of the trip cancellation limit and up to $1,000 of missed connection coverage per year.
PROS
- $250,000 for emergency medical expenses
- Travel multiple times a year
- 24/7 emergency travel assistance included
- Provides primary coverage up to $500,000 for emergency evacuation
- Customizable benefit levels
CONS
- Coverage only applies to trips up to 40 days
- Deductible up to $100 for emergency medical coverage
Full Policy Details
Trawick International
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Safe Travels Annual Basic
Covers COVID
YES
Medical & Evacuation Limits Per Person
$10,000
/
$50,000
Why We Like It
Editor's take
This plan offers great value as it’s the second most affordable plan on the list and offers many different types of coverage. Where the Geo Blue Trekker Essential excl US plan only covers you outside the U.S., the Safe Travels Annual Basic plan from Trawick International offers coverage to both domestic and international destinations. It also goes several steps further from medical-only coverage and offers basic coverage for:
- Trip interruption
- Trip cancellation
- Travel delays
- Baggage delays
- Lost baggage and personal items
- Accidental death and dismemberment
That said, it is important to note that the medical coverage limits on this plan are lower than most. You will only be covered for up to $10,000 in medical treatments and $50,000 for medical evacuation. You also won’t be covered for pre-existing conditions. That makes this coverage ideal as a supplementary plan to your U.S. healthcare and perfect for domestic travel or travel in and around North America and the Caribbean.
PROS
- Great plan to have for basic coverage
- Covers domestic & international travel
- Diverse coverage and inclusions
- Cancelation & interruption coverage
CONS
- Lower medical coverage limits
- Secondary medical coverage
Full Policy Details
GeoBlue
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trekker Essential excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$250,000
Why We Like It
Editor's take
The GeoBlue Trekker Essential excl US plan is a great basic plan for frequent travelers who are looking for medical-related coverage when heading out of the U.S. for up to 70 days per trip and is also the most affordable plan on our list. With this plan, you can take an unlimited amount of trips during a year and stay covered as long as each trip lasts under the 70-day maximum.
With a robust $500,000 emergency medical coverage limit and a $250,000 medical evacuation limit, this policy should easily cover you in almost all medical scenarios should the worst happen abroad. This policy can also cover pre-existing health conditions which is a major plus for older travelers or those with health issues.
Limitations to this plan are that it only covers trips outside of the U.S. and does not include cancellation, interruption, or travel delay coverage. Therefore, if you plan to travel domestically or are keen on being covered for things not just related to travel health, you may want to look at other plans on our list, like the ones from Trawick International.
PROS
- Solid medical coverage limits
- Coverage for an unlimited number of trips
- Covers pre-existing medical conditions
- 24-hour assistance provided
- Money-back guarantee
CONS
- No cancelation/interruption coverage
- No coverage on trips within the U.S.
- Secondary medical coverage
Full Policy Details
GeoBlue
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trekker Choice excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$1,000,000
/
$500,000
Why We Like It
Editor's take
The GeoBlue Trekker Choice excl US plan is one of the best multi-trip plans for travelers needing high medical coverage limits for trips outside the U.S. With this plan, you will get up to a million dollars worth of emergency medical coverage and $500,000 of medical evacuation and repatriation coverage. These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality. This plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. As with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.
PROS
- High medical coverage limits
- Accidental death & dismemberment coverage
- Baggage and personal items loss coverage
- Covers some sports & adventure activities
CONS
- No coverage for trips within the U.S.
- No cancelation or interruption coverage
- Secondary medical coverage
Full Policy Details
MedjetAssist
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
MedJet Horizon
Covers COVID
Yes
Medical & Evacuation Limits Per Person
None
/
Unlimited
Why We Like It
Editor's take
MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.
While the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.
PROS
- Available for short-term or long-term travel
- Can cover pricey evacuation expenses when you need medical care
- Covers both personal and business travel
- Membership covers each trip you take during its term
- Short-term memberships start at just $99
CONS
- Does not include traditional travel insurance benefits
- Does not cover transportation from the site of an accident (medical facility transfers only)
- Covers up to two transport events per year
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These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality.\nThis plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. \nAs with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Solid International Medical Coverage","featuredDeal":"","limitedOffer":"","coverage_text":"","order":8,"additional_info":"Solid International Medical Coverage","product_description":"","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""},{"id":"65cddb7068d2f886028c3487","active":true,"company_slug":"medjetassist","product_slug":"medjetassist-medjethorizon","name":"MedJet Horizon","image":"","cta":{"phone":{"text":"","number":""},"text":"","url":"https://www.squaremouth.com/23096/medjetassist?tag=latimes","comment":"","disclaimer":"via Squaremouth’s secure website"},"rating":{"title":"","disclaimer":"","score":"","stars":"","url":""},"properties":[{"id":"65cde9cac028e3d8a28adeb8","active":true,"property_slug":"emergency-medical","key":"Emergency Medical","value":"None","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":2,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28aded0","active":true,"property_slug":"medical-evacuation-repatriation","key":"Medical Evacuation & Repatriation","value":"Unlimited","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":3,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"None","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"None","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf48","active":true,"property_slug":"trip-cancellation","key":"Trip Cancellation","value":"NO","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":1,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9ccc028e3d8a28adf60","active":true,"property_slug":"trip-interruption","key":"Trip Interruption","value":"NO","property_group_slug":"65cddd5468d2f886028c3d3a","property_order":2,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":0},{"id":"65cde9cac028e3d8a28adee8","active":true,"property_slug":"covers-covid","key":"Covers COVID","value":"Yes","property_group_slug":"65cddd5468d2f886028c3d2b","property_order":4,"plan_slug":"65cddb7068d2f886028c3487","tooltip":"","order":2}],"infos":[{"label":"Maximum annual coverage","text":""},{"label":"Reimbursement choices","text":""},{"label":"Deductible choices","text":""}],"pros":[{"text":"Available for short-term or long-term travel"},{"text":"Can cover pricey evacuation expenses when you need medical care"},{"text":"Covers both personal and business travel"},{"text":"Membership covers each trip you take during its term"},{"text":"Short-term memberships start at just $99"}],"cons":[{"text":"Does not include traditional travel insurance benefits"},{"text":"Does not cover transportation from the site of an accident (medical facility transfers only)"},{"text":"Covers up to two transport events per year"}],"page_slug":"/insurance/travel/annual-multi-trip-insurance","page_id":"65ce015e538ff2e9b0b4f9b5","page_title":"Best Annual Travel Insurance: Multi-Trip Coverage","rates_and_fees_url":"false","key_takeaway":"","why_we_like_it":"MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.\n\nWhile the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.\n\n{: .arrow-link}\n\n[Read our full review](http://arstechnica.netblogpro.com/compare-deals/insurance/travel/medjet-travel-insurance-review)","full_review_permalink":"","go_to_review_label":"","go_to_review_url":"","intro_title":"","bottom_line_title":"","bottom_line_icon":"","bottom_line_text":"","why_we_like_it_title":"Why we like it","full_policy_detail_title":"Full Policy Details","full_policy_detail":"","best_for":"Only Covers Medical Evacuations & Repatriation","featuredDeal":"","limitedOffer":"","coverage_text":"Coverage text","order":11,"additional_info":"Only Covers Medical Evacuations & Repatriation","product_description":"Product Description","reward_rate_title":"","reward_rate_text":"","editors_take_title":"","editors_take_text":""}]
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Advertiser Disclosure
Compare Annual Travel Insurance
Plan Name
Highlights
Medical/Medevac Limits
Cancellation/Interruption Limits
See Pricing
Best Overall (Includes 5% Discount)
$100,000 / $500,000
$3,000 / $3,000
GET A QUOTE
via Heymondo's secure website
Strongest for Cancellation & Interruptions
$250,000 / $500,000
$10,000 / 150% trip cost
GET A QUOTE
via Seven Corners' secure website
Best for US Domestic Travelers
$10,000 / $50,000
$2,500 / $2,500
GET A QUOTE
via Squaremouth’s secure website
Best for Basic Coverage on Trips Abroad
$500,000 / $250,000
None / None
GET A QUOTE
via Squaremouth’s secure website
Solid International Medical Coverage
$1,000,000 / $500,000
None / Nne
GET A QUOTE
via Squaremouth’s secure website
Only Covers Medical Evacuations & Repatriation
None / Unlimited
None / None
GET A QUOTE
via Squaremouth’s secure website
Pros & cons of annual travel insurance plans
It’s important to weigh the pros and cons of annual travel insurance before purchasing a plan.
Pros of Annual Travel Insurance
- Can be cheaper than buying multiple single-trip plans
- Easier to manage a single plan vs. separate ones
- Coverage stays the same across all of your trips
Cons of Annual Travel Insurance
- Often offers less coverage inclusions than single-trip plans
- Fewer plans to choose from
- Cannot tailor your coverage for each trips’ unique needs
Annual travel insurance is often more affordable that buying separate single-trip policies if you take 2 or more large trips abraod per year. That said, each plan has vastly different coverage inclusions, so it’s important to weigh your coverage needs based on where you plan to travel.
What does annual travel insurance cover?
All annual multi-trip travel insurance plans include coverage for medical expenses that you may incur during your trip.
However, exact coverage limits and exclusions can vary based on the plan. For example, some travel insurance plans offer considerably higher limits than others, and some exclude acute onset of pre-existing conditions from their coverage.
Other common benefits of annual travel insurance plans include:
-
Emergency medical evacuation coverage:
Emergency medical evacuation coverage, also known as medevac, is insurance that covers emergency transportation when you become ill or injured away from home. -
Repatriation of remains:
Policies that include the repatriation of remains will pay to transport the policyholder’s bodily remains back to their country of residence if they suddenly die while traveling. -
Insurance for medical expenses due to COVID-19:
Most plans now cover medical expenses relating to COVID-19 and treat it as any other illness. -
Accidental death and dismemberment (AD&D) coverage:
AD&D coverage pays benefits should the policyholder experience an accidental death or dismemberment. This also includes the loss, or loss of use, of body parts or limb functions.
It’s important to note that some traditional travel insurance benefits are often not included in annual plans. This all depends on the travel insurance provider you’re considering and the multi-trip plans they have on offer. This said, it is not a given that the following insurance benefits will be absent from any annual travel insurance policy.
Here are some traditional travel insurance benefits you may get with an annual travel insurance policy:
-
Trip cancellation coverage:
Trip cancellation coverage will financially cover you should any unforeseen circumstance prevent you from making your planned trip. -
Trip interruption coverage:
This insurance policy will reimburse you for any unused, prepaid, or nonrefundable expenses should you be required to cut your trip short. -
Insurance for travel delays:
If you experience flight or travel delays, your policy will cover you for certain expenses such as cancelation fees or unused activities. -
Protection for lost or delayed baggage:
This policy allows you to claim the cost of any lost or delayed luggage en route to your travel destination. -
Coverage for missed connections:
If your flight, train, boat, or any other predetermined mode of travel is delayed, this insurance policy will cover the cost of any additional transport needed to complete your trip.
How much does annual travel insurance cost?
To give you an idea of the cost of a travel insurance plan with annual coverage, we applied for quotes from all the top travel insurance companies included in this guide.
The quotes we received were for a multi-trip plan lasting for up to one year and aimed to cover two 45-year-old citizens of the United States.
While included benefits and coverage limits vary among these plans, the chart below shows the average premium cost for each provider meeting these criteria.
| Travel Insurance Companies | Annual or Multi-Trip Plan Cost |
|---|---|
| HTH Travel Insurance Multi-Trip Plan | $295 |
| Atlas MultiTrip plan from WorldTrips | $282 to $345 per trip of 30 to 45 days |
| Seven Corners Wander Frequent Traveler Plus | $600.31 |
| GeoBlue Xplorer Premier plan | $964 |
| Safe Travels Annual Executive plan | $1,350 |
While these price examples can offer insight into ballpark figures for what an annual plan could potentially cost, it’s important to note that the cost of travel insurance varies based on many factors, such as your age, destination of choice, state of residence, and more.
Therefore, we recommend getting a quick personalized quote using a comparison tool. This can allow you to see several plans and prices all at once that are valid for your personal trip parameters.
Advertiser Disclosure
Is it cheaper to buy annual travel insurance vs. single-trip insurance?
An annual policy intends to cover multiple trips over a period that may last up to one year. Therefore, the cost is higher. However, it’s important to consider all of the destinations you plan to visit before purchasing travel insurance for a year.
If you plan on staying in the same destination for the duration of your trip, such as a vacation to Bali, or are taking a cruise once a year, then buying affordable travel insurance for a single trip, monthly travel insurance, or a cruise insurance plan will likely be less expensive than buying an annual plan. Apart from that, single-trip travel insurance plans tend to have more types of coverage included overall. It is important to mention that many multi-trip insurances oftentimes exclude seniors and people 60+ years old. In that case, it is highly recommended to compare single-trip plans or senior insurance offers.
However, if you plan on visiting multiple destinations or countries throughout the year, an annual plan with travel insurance for one year may make more sense. If you have a list of your destinations, try searching what several single plans would cost compared to an annual multi-country travel insurance plan.
For international trips where you may need travel insurance for multiple countries, single plans will be more expensive than if you were to buy single plans for US destinations.
If you are a spontaneous traveler and want the freedom to know you will be covered regardless of where you decide to travel, opting for a multi-trip insurance plan can save you time and money.
Annual travel insurance vs single-trip insurance
As mentioned before, annual travel insurance is right for people who travel frequently, such as digital nomads, business people, retirees, students abroad, etc.
Here are some examples of people who may and may not benefit from annual trip insurance:
Our top picks for single-trip plans
Seven Corners Trip Protection Choice
- Overall trip cost
- Travel delays & stipends
- Baggage & equipment loss/damage
- Emergency medical expenses
Tin Leg Gold
- Accidental death & dismemberment
- Medical coverage for COVID-19 sickness
- Pre-existing conditions (when meeting waiver criteria)
- Sports & adventure (exclusions apply)
Trawick International Safe Travels Voyager
- Hurricane & Weather
- Financial Default
- Baggage and personal items loss up to $2,500
- Baggage delay coverage up to $600 per person
Is annual travel insurance worth it?
Investing in an annual travel insurance plan can be well worth it if you travel often and want to ensure you have coverage each time you do.
Having an annual plan in place means you don’t have to get a new travel insurance quote for each trip you take. Instead, you can pay an upfront premium once and get coverage that lasts for multiple trips.
That said, it’s worth noting that some year long travel insurance plans are limited to medical-only coverage. Therefore, we recommend looking for annual plans with comprehensive coverage if you want protection against travel delays, trip cancellation and interruption, lost or delayed baggage, and other risks.
We suggest researching the travel insurance companies in our guide and comparing their plans side-by-side. From this annual travel insurance comparison, you can get a few quotes for the types of trips you want to take. Don’t settle on a travel insurance policy until you find one with the included coverages and benefits you need.
Ultimately, whether or not to purchase a multi-trip travel insurance plan will depend on your specific travel habits and how much you want to spend.
Jon Morgan's experience buying annual travel insurance:
“I find myself traveling quite frequently for business meetings, conferences, and networking events. Having an annual plan seemed like the most practical choice because it provides continuous coverage for all my trips throughout the year.
It just saves me from the hassle of purchasing separate insurance every time I travel, which, trust me, can get quite overwhelming with my schedule.
I would definitely buy an annual plan again. It just simplifies my life and ensures I’m protected every time I step out for a business trip.
The thought that I won’t be financially burdened if something goes wrong is a huge relief. Having the peace of mindknowing that I’m covered in case of trip cancellations, medical emergencies, or unexpected events during my travels is priceless.” – Jon Morgan
I think annual travel insurance policies are absolutely worth it, especially for frequent travelers like me. The flexibility and comprehensive coverage they offer make them a smart choice. – Jon Morgan
Multi-Trip Insurance FAQ
When should I purchase annual travel insurance?
You can purchase travel insurance any time of the year as it typically lasts 364 days after the date of purchase. However, many people start a new travel insurance annual plan at the beginning of the calendar year so as never to be left without one by forgetting when to renew.
Do I need to know how many trips I will take before I buy annual travel insurance?
You typically aren’t required to give all your destinations when signing up for an annual travel insurance plan. However, regarding price, single travel insurance plans can be cheaper and more comprehensive. Therefore, we recommend annual travel insurance if you take at least four or five separate trips each year. Ultimately, these yearly travel insurance plans are geared toward jetsetters, expats, and business travelers.
What is the difference between annual travel insurance and multi-trip travel insurance?
Annual travel insurance and multi-trip travel insurance are essentially the same thing. Annual travel insurance typically lasts for up to 364 days, whereas some multiple-trip plans last for a shorter duration. Make sure to compare travel insurance plans that make sense for how long and how often you plan to travel.
What companies offer annual travel insurance?
Top providers that offer annual travel insurance plans include Allianz, GeoBlue, HTH Travel Insurance, IMG, Seven Corners, and WorldTrips.
Do you have to pay all at once?
Annual trip insurance plans require you to pay a single premium all at once. However, this means you shouldn’t have to pay any more travel insurance premiums for up to one year.
About the Author
Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.
The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.
Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.
About the Reviewer
Blake Esken has over 15 years of experience in product management and has been a member of the Los Angeles Times staff for over five years.
As part of his role at the Los Angeles Times Commerce Team, Blake acts as the in-house reviewer and fact checker for LA Times Compare. He supervises all content for compliance and accuracy and puts to use skills he has honed through years of experience managing high-stakes projects for a range of industry-leading companies.
He has a strong background in data analysis, compliance, and communication, which allows him to support LA Times Compare through fact-checking in an effort to provide up-to-date and factual information across our content.
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