Multi-trip Coverage for US citizens and US residents with a Primary Health Care Plan
One type of travel medical insurance policy available to US citizens is a multi-trip plan. This type of plan is purchase annually and cover multiple trips ranging from 30 to 45 days long as often as needed during the course of the year. They require a person to have a primary health care plan and will generally only cover a person if they leave the country (but for Voyager Annual insurance which offers coverage within the country also, see details below).
These annual multi-trip plans are great options for businessmen, corporate employees, individuals and families who travel frequently throughout the year. People who live close to Canada or Mexico could benefit from the convenience of these plans since you don't have to purchase a plan for each individual trip. If you get a plan with 30 day coverage, and you are out of the US on a trip, on day 31 you will no longer have coverage. Some plans offer longer time periods (45 or 70 days), so be sure you get one that is appropriate for your situation. If you do live close by, then all you need to do is cross back into the US to "reset" your time window.
Here are some of the popular annual multi trip policies:
Patriot Multi-Trip is offered by International Medical Group and can be purchased for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The cost is based on an applicant's age and is available for persons under 76 years of age.
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BUY ONLINEGlobeHopper multi trip
It is an annual plan that offers coverage for senior citizens above 65 years taking multiple trips, each trip not to exceed 30 days. It offers a maximum coverage of $1 million for travelers up to 79 years and $100,000 coverage for travelers aged 80 years and above. Initial deductible that the insured has to pay is $250 per sickness/injury.
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BUY ONLINEAtlas Multi-Trip is offered by Tokio-Marine HCC and can be purchase for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The cost is based on the applicant's age.
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BUY ONLINEWander Frequent Traveler is offered by Seven Corners for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The policy is for 364 days total and is available until age 75. The cost of the policy is based on the applicant's age.
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BUY ONLINENote that the above three plans are available to non-US citizens or residents as long as they maintain health coverage in their own country and travel is outside their home country (it can be to the US or a different country).
GeoBlue has a two tiered option called GeoBlue Trekker Essential and Choice. They are exclusively available to US citizens only. Both offer up to 70 days in trip duration. The Essential offers coverage up to $50,000 and the Choice up to $250,000 for medical expenses with a deductible of $50. It is available for persons up to 85 years old. This policy covers a pre-existing condition as any other medical condition. The cost of the policy is based on the applicant's age.
GeoBlue Trekker Essential:
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BUY ONLINEGeoBlue Trekker Choice:
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BUY ONLINEVoyager Annual Insurance is offered by Travel Insurance Services with a 30 day trip duration. It is unique in offering coverage within the US as well as abroad as long as the person is at least 100 miles away from home on a trip with a set start and end date. For many of us, our own insurance coverage may be extremely limited when we are outside our home states. In that case, it can be risky to drive across the border for a ski trip or day at the beach if you know a serious injury or accident could cause a financial disaster for you and your family. The plan offers two levels of coverage: Silver and Gold. The Silver plan is between $90 and $400 per year (based on age) and the Gold plan is a set $330 per year per person. The plans will cover medical expenses, emergency medical evacuation, baggage delay and have an AD&D benefit.
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