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:
Multi-trip Coverage for US citizens and US residents with a Primary Health Care Plan
