Compare Annual Multi Trip Travel Insurance Plans

Annual multi-trip plans are ideal for businessmen and regular overseas travelers as there is no need to buy an insurance plan every time you travel and are cheaper than buying several single trip travel insurance plans. These plans provide coverage for a whole year, however there is a limit for each trip which is either 30, 45 or 70 days depending on the plan chosen. These multi-trip plans are ideal for US residents traveling regularly to Canada, Mexico, the Caribbean islands, Latin America, South America or Europe, however they should have a regular health insurance plan to cover them within the USA. Many of these plans are also available for Non US nationals (like Canadians, Mexicans, Europeans ... who travel overseas often), as long as they have a regular domestic health insurance plan in their respective countries.

Compare Annual Multi Trip Plans

Age
Start Date
Coverage Period
1 year
Coverage Region
Citizenship
Plans Patriot Multi Trip
    
GeoBlue Trekker Essential
     
Atlas Multi Trip
    
Wander Frequent Traveler
     
GeoBlue Trekker Choice
     
GlobeHopper Multi Trip
    
Premium



  • Trip Duration



  • Trip Duration



  • Trip Duration



  • Trip Duration



  • Trip Duration



  • Trip Duration
Plan Maximum
Deductible
Insurer
Underwriter
Ideal for
US or Non US citizens traveling outside their home country for business or pleasure
Only US Citizens traveling outside their home country for business or pleasure
US or Non US citizens traveling outside their home country for business or pleasure
US or Non US citizens traveling outside their home country for business or pleasure
Only US citizens traveling outside their home country for business or pleasure
Only US Citizens traveling outside their home country for business or pleasure
Period of Coverage
The period of coverage is for 1 year from the effective date of insurance cover
The period of coverage is for 1 year from the effective date of insurance cover
1 year maximum limit
Your policy period is 364 days
The period of coverage is for 1 year from the effective date of insurance cover
1 year maximum limit
Eligibility
Up to 76 years. Travelling outside their home country. Must have domestic health insurance policy while being covered under this plan
US resident up to 85 years. Travelling outside their home country. Must be enrolled in a primary health plan
Up to 76 years. Travelling outside their home country. Must maintain medical insurance that covers them while they are in their home country
Up to 75 years. Travelling outside their home country. Must maintain continuous medical insurance that provides coverage in your home country
US resident up to 85 years. Travelling outside their home country. Must be enrolled in a primary health plan
65 years of age or older, U.S. citizens and U.S. permanent residents, Qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan
Renewable
Yes in increments of 12 months up to 36 months with any break in coverage
This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new deductible and medical limit would apply.
No
No
This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new deductible and medical limit would apply.
No
Repatriation of Remains
$50,000
$15,000
Overall maximum limit (not subject to deductible or coinsurance)
$50,000 per period of coverage
$25,000
$50,000 lifetime maxmium
Emergency Medical Evacuation
Up to $1,000,000
$250,000
$1,000,000 lifetime maximum
$1,000,000 per period of coverage
$500,000
$2,50,000 lifetime maxmium
Coinsurance
Within US/Canada – In PPO - Pays 90% up to $5,000, Out of PPO - Pays 80% up to $5,000, then 100% to Max Limit. Outside US/Canada - No Coinsurance
Percentage that insured pays (after Deductible). This excludes charges for services not covered in excess of covered expenses.
In US/Canada - 80% of the next $5,000 after deductible, after which 100% to maximum limit. Outside US/Canada - 100% after deductible up to overall maximum limit.
Inside US/Canada - 90% of the next $5,000 after deductible, then 100% to medical maximum. Outside US/Canada - 100% after deductible up to medical maximum.
Percentage covered expenses the Insured pays (after Deductible is satisfied). Coinsurance does not include charges for services not covered excess of covered expenses.
No Coinsurance
Pre-existing Conditions Coverage
Recurrence of Pre-existing condition up to $5,000 max per period of coverage Emergency medical evacuation $25,000 for Recurrence of Pre-existing Condition
Covers pre-existing conditions as any other conditions up to $50,000
Travellers below 70 years covers acute onset of pre-ex condition - Limited benefit to medical maximum (excludes chronic and congenital conditions) Pre-ex condition cover for emergency medical evac to $25,000
WAIVER OF PRE-EXISTING CONDITIONS: $20,000 per period of coverage for US citizens when outside the US & Canada For age 65+ $2,500. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began
HEART ATTACK AND STROKE BENEFIT: Non-US citizens get $200 per day when hospitalized for heart attack or stroke. Max benefit of $3,000 per period of coverage.
Covers pre-existing conditions as any other conditions up to $250,000
Sudden and Unexpected Recurrence of a Pre-existing Condition cover for medical expenses up to $5,000 max per insured person,per period of coverage
Coverage for emergency medical evacuation up to $25,000

Advantages of Multi-trip travel medical insurance

  1. These plans provided coverage for unlimited international trips in a 12 month period
  2. The maximum trip duration can range from 30 days to 70 days (GeoBlue Trekker)
  3. These are ideal for businessmen and for work related frequent overseas travel
  4. Some plans require a primary health plan, but cover pre-existing conditions and medical evacuation
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