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Best Annual Travel Insurance Plans

Looking for the best annual travel insurance for frequent travelers? Compare top annual plans and choose the best coverage for all your trips year-round!

We provide the best annual travel insurance plans from top-rated providers, customized to fit the needs of frequent travelers, business professionals, and expats. These plans offer comprehensive coverage for multiple trips within a year, with different benefits depending on the plan selected. To help travelers find the right coverage, we offer simple filters based on important factors such as trip interruption, pre-existing condition, sports coverage, coverage limits, and deductible choices. With American Visitor Insurance, you can easily compare the best annual travel insurance plans, get quotes based on your needs, and purchase coverage online, making the process simple, clear, and easy to understand so you can choose the right insurance with confidence.

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Which is the best annual travel insurance for seniors?

Available plans

Travel Insure logo Voyager Annual Insurance

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star Rating: AM Best Rating: "A" (Excellent) edit_square Underwriter: Starr Indemnity & Liability Company
  • Provides annual coverage for multiple trips, with a maximum duration of 90 days per trip.
  • Eligibility: For U.S. residents traveling over 100 miles from home, with trips up to 90 days
  • Coinsurance: Not Covered
  • Emergency medical evacuation: Up to $250,000
  • Repatriation of remains: Up to $150,000
  • Pre-existing coverage: Not Covered
  • Trip Interruption: Up to $5,000
  • Baggage & Personal Effects: $2,500 ($250/item; $500 Max.valuable articles)

  • Policy maximum?
    $50,000, $250,000

  • Deductible option?
    $0

  • Maximum Age insured
    Up to 99 years

geoblue logo Trekker Essential Insurance

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star Rating: AM Best Rating: "A-" (Excellent) edit_square Underwriter: 4 Ever Life Insurance Company
  • Provides annual coverage for multiple trips, with a maximum duration of 70 days per trip.
  • Eligibility: U.S. residents traveling outside their home country, must be enrolled in a primary health plan.
  • Coinsurance: Percentage that insured pays (after Deductible). This excludes charges for services not covered in excess of covered expenses
  • Emergency medical evacuation: Up to $250,000
  • Pre-existing condition : Covers pre-existing conditions as any other conditions up to $50,000
  • Repatriation of Remains: Up to $15,000 maximum limit
  • Sports coverage: Hazardous activities up to $25,000

  • Policy maximum?
    $500,000

  • Deductible option?
    $200

  • Maximum Age insured
    Up to 95 years

geoblue logo Trekker choice Insurance

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star Rating: AM Best Rating: "A-" (Excellent) edit_square Underwriter: 4 Ever Life Insurance Company
  • Provides annual coverage for multiple trips, with a maximum duration of 70 days per trip.
  • Eligibility: U.S. residents traveling outside their home country
  • Coinsurance: Percentage that insured pays (after Deductible). This excludes charges for services not covered in excess of covered expenses
  • Emergency medical evacuation: Up to $500,000
  • Pre-existing condition: Pre-existing condition coverage includes both medical services and medical evacuation
  • Baggage & Personal Effects: Up to $500 per trip, with a $100 limit per bag or item
  • Repatriation of Remains: Up to $25,000 maximum limit
  • Sports coverage: Hazardous activities up to $25,000

  • Policy maximum?
    $1,000,000

  • Deductible option?
    $100

  • Maximum Age insured
    Up to 95 years

IMG logo Patriot Multi-trip Insurance

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star Rating: AM Best A++ (Superior) Standard & Poor’s Rating: AA- edit_square Underwriter: Sirius International
  • Covers multiple trips throughout the year, each up to 30, 60, or 90 days based on the chosen plan.
  • Eligibility: US or Non US citizens traveling outside their home country for business or pleasure
  • Coinsurance: In Network: 100% up to the maximum limit; Out of network: 80% up to $1,000, then 100%
  • Emergency medical evacuation: Up to maximum limit
  • Repatriation of Remains: Up to maximum limit
  • Sudden and Unexpected Recurrence of Pre-existing Conditions: $5,000 maximum limit
  • Lost luggage: Maximum Limit per item $150, $500 maximum limit.
  • Optional riders

  • Policy maximum?
    $1,000,000

  • Deductible option?
    $250

  • Maximum Age insured
    Up to 79 years

worldtrips logoAtlas Multi trip Insurance

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star Rating: Rating: AM Best A++ (Superior) Standard & Poor’s Rating: AA- edit_square Underwriter: Lloyd's
  • Covers multiple trips throughout the year, each up to 30 or 45 days based on the chosen plan.
  • Eligibility: US or Non US citizens traveling outside their home country for business or pleasure
  • Coinsurance: plan pays 100% up to policy maximum
  • Acute onset of pre-existing condition: Covers up to overall maximum limit, under age 70
  • Emergency medical evacuation: Up to $1,000,000 lifetime maximum
  • Border entry protection: Up to $500 for B-2 visa holders denied entry at the U.S. border
  • Lost luggage: Up to $10,000
  • Repatriation of Remains: Up to maximum limit
  • Trip Interruption: Up to $10,000
  • Sports coverage: Covers eligible injuries and illnesses from vacation sports.

  • Policy maximum?
    $1,000,000

  • Deductible option?
    $250

  • Maximum Age insured
    Up to 79 years

IMG logoGlobehopper seniors multi-trip Insurance

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star Rating: AM Best A++ (Superior) Standard & Poor’s Rating: AA- edit_square Underwriter: Sirius International
  • Covers multiple trips throughout the year, each up to 30 or 45 days based on the chosen plan
  • Eligibility: U.S. residents traveling outside their home country
  • Coinsurance: plan pays 100% up to policy maximum
  • Emergency medical evacuation: Up to $1,000,000
  • Sudden and Unexpected Recurrence of Pre-existing Conditions: $2,500 maximum limit
  • Lost luggage: Maximum Limit per item $250, $50 maximum per item.
  • Trip Interruption: Up to $5,000 maximum
  • Optional riders
  • Repatriation of Remains: Up to $50,000 maximum

  • Policy maximum?
    $1,000,000

  • Deductible option?
    $250

  • Eligibility
    Eligible for travelers age 65 and above

  • Maximum Age insured
    65 to 99

Why choose Annual Travel Insurance?

Annual multi-trip travel insurance provides coverage for multiple trips taken within a 12-month period. It is an efficient and cost-effective solution for individuals who travel frequently for business or leisure.

Rather than purchasing separate travel insurance for each trip, this plan offers continuous protection throughout the year. It is suitable for both international and domestic travel, depending on the policy terms. American Visitor Insurance offers a variety of annual plans tailored to suit your needs.

Who should consider Annual Travel Insurance?

  • Frequent business travelers
  • Individuals taking multiple vacations or short-term trips each year
  • Digital nomads and expatriates
  • Residents near borders who travel regularly for personal or professional reasons
new schengen visa insurance

What are the main benefits of Annual Travel Insurance?

  • Unlimited Trips: Provides coverage for multiple trips throughout the year, offering flexibility for frequent travelers.
  • Cost-Efficiency: Often more affordable than purchasing single-trip insurance multiple times, saving you money over the year.
  • Emergency Medical Coverage: Ensures protection against unexpected illnesses or injuries while traveling, giving you peace of mind.
  • Travel Assistance: Includes essential benefits like trip cancellation, baggage loss, and emergency evacuation, ensuring support when you need it most.
  • Convenience: Simplifies the process with just one application and premium, covering you for the entire year without the need for frequent renewals.

How much does Annual travel insurance cost in USA?

Best Annual Travel Insurance starting from $246/year in the USA at American Visitor Insurance. The cost of an annual travel insurance plan depends on your age, trip duration, deductible, and travel destination.

The average cost based on the quotes for 65 year old traveler with duration of year

Insurance plan Coverage limit Deductible Trip duration Annual cost
Atlas Multi-trip $1,000,000 $250 30 days $264
Patriot Multi-trip Insurance $1,000,000 $250 30 days $328

How much does Annual Travel insurance cost in Outside USA?

Best Annual Travel Insurance Plans (Outside the USA) – Starting from $120/year at American Visitor Insurance. The cost of annual travel insurance varies based on factors like age, coverage limits, deductible, trip duration, and destination. Older travelers typically face higher premiums due to increased medical risks. Plans with higher coverage or lower deductibles also cost more. Longer trips (30–90 days) can increase the cost, and destinations with higher healthcare costs may also raise premiums. American Visitor Insurance helps travelers compare plans across top insurers, ensuring they get the best value for their needs.

The average cost based on the quotes for 65 year old traveler with duration of year

Insurance plan Coverage limit Deductible Trip duration Annual cost
Voyager Annual Insurance $50,000 $0 90 days $120
Trekker Essential $500,000 $200 70 days $159
Atlas Multi-trip $1,000,000 $250 30 days $193
Globehopper Senior multi trip $1,000,000 $250 30 days $264
Trekker Choice $1,000,000 $100 70 days $231
Patriot Multi-trip Insurance $1,000,000 $200 30 days $282

How to choose the right Annual Travel Insurance plan?

  • Assess your travel frequencyIf you travel more than three times a year, an annual travel insurance policy is generally more economical than buying separate policies for each visit. This is particularly useful for regular travelers, both saving time and money.
  • Consider your coverage requirementsIt’s important to ensure that the annual plan provides coverage for your specific needs. Make sure the policy includes emergency medical coverage, trip cancellation, lost baggage, and any activities you may participate in, such as adventure sports or high-risk activities.
  • Check the policy limitsCheck the policy limits under the coverage to make sure they are enough to protect you. Check for the highest limits of medical costs, emergency evacuation, and loss of baggage. The limits must be high enough to cater to any emergencies or losses that might occur during your travels.
  • Read the fine printAlways read the fine print of the policy to fully understand what is and isn’t covered. Be aware of exclusions or conditions that might affect your coverage, such as limitations on pre-existing conditions, specific activities, or certain travel destinations. This helps you know absolutely everything about any possible gaps in your coverage.

Why choose American Visitor Insurance for Annual Travel Insurance?

American Visitor Insurance (AVI) is a trusted, user-friendly platform that connects travelers with top-rated annual travel insurance plans designed to fit their specific travel needs. That’s why thousands of people choose AVI every year.

  • Wide range of plans: AVI offers access to leading insurance providers like IMG, WorldTrips, Trawick International, and GeoBlue, ensuring you find a plan that matches your budget, travel frequency, and coverage needs.
  • Affordable pricing – starting at $246/year: AVI features competitive annual premiums starting from just $246/year, making it an excellent value for frequent travelers.
  • Customization & comparison tools: Easily compare multiple plans side by side based on trip duration, deductible, and destination to find the best fit for you.
  • Customer Support: Get access to licensed agents and knowledgeable support staff who can guide you through plan selection, purchase, and claims.
  • Easy Online Process: Compare, get quotes, and buy your policy easily online.
  • 24/7 Customer Support: Our team is here to help you find the best annual travel insurance for your needs.

Annual Travel insurance - Frequently asked questions

1. How do I know if I need annual travel insurance?

If you travel internationally three or more times in a year, or if you are a business traveler, student, or expat with frequent travel, annual travel insurance can be a practical and affordable way to maintain continuous coverage throughout the year.

2. How much does annual travel insurance cost?

The cost of annual travel insurance depends on various factors such as your age, trip duration, destination, and coverage amount. American Visitor Insurance allows you to compare plans to find the most affordable option tailored to your needs. For instance, coverage starts at $120/year.

3. Can I cancel my annual travel insurance plan?

Most of the providers allow you to cancel your plan, but the terms and conditions can vary. It’s essential to read the policy carefully before making a purchase.

4. Does annual travel insurance cover pre-existing conditions?

Some annual plans provide coverage for the pre-existing conditions, like Atlas Multi trip , Patriot Multi trip and Trekker Choice plans offers coverage for pre-existing conditions. While others may have exclusions or limitations. It’s important to check the specific details of each plan.

5. Can I purchase an annual travel insurance plan if I am already traveling?

Annual travel insurance plans are generally designed to be purchased before the start of your travel year. However, some plans may offer coverage for travelers who purchase after their trip has begun, depending on the provider and specific policy terms.

6. Can I customize my annual travel insurance plan?

Yes, with American Visitor Insurance, you can customize your plan by adjusting the deductible, coverage limits, and trip duration. You can also choose plans based on the regions you will be traveling to, ensuring your insurance fits your exact needs.

7. How do I file a claim under annual travel insurance?

To file a claim, you'll typically need to provide documentation such as medical bills, receipts, and proof of travel disruptions. American Visitor Insurance provides easy-to-follow instructions for submitting claims, either online or by phone, ensuring a smooth process for reimbursement.

8. How can I choose the best annual travel insurance plan with American Visitor Insurance?

When selecting the best plan, consider factors like your travelers age, duration, destination, and budget. American Visitor Insurance makes it easy to compare top-rated plans from leading providers to find the best option for your needs. Their user-friendly platform helps you customize a plan that fits your travel profile.