Travel Medical Annual Multi-Trip Insurance

Best annual travel insurance for U.S. residents.

What is Travel Medical Annual Multi-Trip insurance?

American Visitor Insurance offers the Seven Corners Travel Medical Annual Multi-Trip Insurance, an excellent choice for frequent international travelers who need continuous medical coverage throughout the year. This annual plan, offered by a reputable U.S. insurance provider, is specifically designed for U.S. citizens and residents who take multiple trips abroad, allowing them to avoid the hassle of purchasing a new policy for each journey.

The plan offers comprehensive coverage for emergency medical expenses, evacuation, and repatriation. It also includes optional benefits that allow you to customize the protection based on your travel preferences. Whether you're a business traveler, remote worker, or vacationer, this plan provides peace of mind for all your trips—ranging from weekend getaways to overseas business tours. You can select trip durations of 30, 45, or 60 days for each travel period within the 12-month policy term.

Travel Medical Annual Multi-Trip insurance reviews

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Trip Cost
Coverage up to $1,000,000
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Trip Duration
30, 45 and 60 days
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Coverage type help
Primary
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Deductible Options
$0, $250, $500
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Medical Evacaution help
Up to $1,000,000
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Underwriter
HDI Global Specialty SE
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Trip Interruption help
Up to $5,000
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Best for
  • Business travelers
  • Digital Nomads

Who Should Choose the Travel Medical Annual Multi-Trip Plan?

  • Frequent international travelers who take multiple trips abroad each year.
  • Business professionals attending overseas meetings or conferences regularly.
  • Remote workers and digital nomads traveling to different countries throughout the year.
  • Leisure travelers and vacationers with several international trips planned annually.
  • Students participating in short-term study abroad or exchange programs.
  • Missionaries and volunteers traveling to various countries for service work.

What are the key highlights of Travel Medical Annual Multi-Trip insurance?

  • This plan is available to U.S. residents.
  • Unlimited trips in a 12‑month period.
  • Covers unlimited trips annually (30, 45, or 60 days).
  • Emergency medical coverage available up to $1,000,000.
  • Emergency medical, evacuation, baggage, and travel delay coverage.
  • Full refund is available if canceled in writing before the plan start date.
  • 24/7 travel assistance service.

Who is eligible for Travel Medical Annual Multi-Trip insurance plan?

  • This plan is available to U.S. residents traveling outside the United States.
  • Travelers must be at least 14 days old and younger than 80 years.
  • Ideal for both domestic trips in the United States and international trips.

What are the benefits of Travel Medical Annual Multi-Trip insurance?

  • Hospital room and board help URC up to medical maximum
    Outpatient Medical Expenses help URC up to medical maximum
    Physician Office Visit help URC up to medical maximum
    Prescription Drugs URC up to medical maximum
    Emergency Room Services & Urgent Care Visits URC up to medical maximum
    Physiotherapy and Chiropractic Care $50 per visit, 10 visits maximum
    Extension of Benefits to Home Country $5,000
    Emergency local ambulance help Up to medical maximum
    Dental Emergency help $500 per occurrence
    Dental — Sudden Relief of Pain help $250 per occurrence
    Emergency Eye Exam $100 per occurrence
  • Emergency medical evacuation help $1,000,000 (separate from medical maximum)
    Emergency reunion help $50,000
    Return of mortal remains or cremation/burial help $50,000
    Bedside Visit $1,000
    Return of minor children help Up to $50,000
    Political evacuation and repatriation help $10,000
    Natural disaster evacuation help $25,000
  • Trip interruption help $5,000
    Loss of Checked Baggage help $150 per article, $600 per occurrence
    Trip Delay $250 per day, 2-day limit per occurrence
    Baggage Delay $250 per occurrence
  • Acute Onset of Pre-Existing Conditions help Ages 14 days to 69 years: $20,000
    Ages 70 to 79 years: $5,000
  • Adventure Activities Up to Medical Maximum
    Personal liability help Up to $25,000
    Terrorist Activity help Up to $50,000
    24/7 Travel Assistance Services Included

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Travel Medical Annual Multi-Trip insurance - FAQ's

1. Why Choose Travel Medical Annual Multi-Trip Insurance?

You get comprehensive international medical coverage and the convenience of purchasing insurance just once a year. This plan allows you to take unlimited trips throughout the year, as long as each trip does not exceed the duration you select—30, 45, or 60 days. Additionally, all benefits (except Loss of Checked Baggage) offer primary coverage.

2. Who Is Eligible for Travel Medical Annual Multi-Trip?

You should be a resident of a U.S. state or of Washington, D.C., and be between 14 days old and 80 years of age to buy the Travel Medical Annual Multi-Trip policy. Coverage starts the moment you leave the United States on your first foreign trip.

3. Can I get a Refund for this plan?

Yes, Seven Corners will issue a full refund for the Travel Medical Annual Multi-Trip plan if you cancel in writing before the effective date.

4. How long am I covered and how many trips can I take?

You are covered for an unlimited number of international trips during a 12-month period with the Travel Medical Annual Multi-Trip plan. Every trip must remain under your chosen maximum length—30, 45, or 60 days per trip.

5. Does this plan meet PPACA requirements?

No, the Travel Medical Annual Multi-Trip policy is neither subject to nor does it contain the insurance benefits mandated by the U.S. Patient Protection and Affordable Care Act (PPACA). You should seek the advice of a tax or legal specialist to determine how this might influence your PPACA compliance.

6. Does the Travel Medical Annual Multi-Trip Plan Cover Pre-Existing Conditions?

No, the Travel Medical Annual Multi-Trip plan does not cover pre-existing conditions. It is designed to cover unexpected medical emergencies during international trips, not ongoing or previously diagnosed conditions.

7. Is the Travel Medical Annual Multi-Trip Plan Primary or Secondary Coverage?

The Travel Medical Annual Multi-Trip plan offers primary coverage for all benefits except Loss of Checked Baggage, which is covered on a secondary basis

Why choose American Visitor Insurance?

  • Trusted U.S. platform with 20+ years of experience in travel insurance.
  • Licensed agents for expert advice and customer service.
  • Most of our plans come with instant visa compliant insurance letters.
  • Customers can purchase plans directly with travel insurance providers for the same price without any extra fees.
  • Purchasing process makes it easy, fast, and secure while providing explicit policy confirmation instantly.