Annual Travel Insurance

US business travelers and working professionals travel overseas quite often, it is important to have proper annual travel insurance. US frequent travelers can buy annual multi trip international travel insurance plan which insures them for the whole year.

Annual Travel Insurance Plans Cost Comparison

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Age
Start Date
Coverage Period
1 year
Coverage Region
Citizenship
Patriot Multi Trip
Maximum
Deductible
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Trekker Essential
Maximum
Deductible
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Atlas Multi Trip
Maximum
Deductible
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Voyager Annual Travel Insurance
Maximum
Deductible
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GlobeHopper Senior Multi Trip
Maximum
Deductible
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Insurance Providers
 Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
 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 Coverage is available to U.S. residents while traveling outside a 100 mile radius from his/her place of permanent U.S. residence for trips with a maximum duration of 90 days.
 Length 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 1 year maximum limit
 Coinsurance
In PPO (Within US/Canada - 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 The plan pays 100% of eligible expenses after the deductible up to the overall maximum limit No Coinsurance No Coinsurance
 Renewability
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. Not renewable Not renewable Not renewable
 Eligibility
Up to 79 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 The applicant must be aged between 14 years and 85+ years. 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
 Repatriation of Remains
$50,000 Essential plan - $15,000
Choice plan - $25,000
Overall maximum limit (not subject to deductible or coinsurance) Silver: $100,000
Gold:$150,000
$50,000 lifetime maxmium
 Emergency Medical Evacuation
Up to $1,000,000 Essential plan - $250,000
Choice plan - $500,000
$1,000,000 lifetime maximum Silver: $100,000
Gold:$250,000
$2,50,000 lifetime maxmium
 Pre-existing Conditions Coverage
Sudden and Unexpected Recurrence of Pre-existing condition up to $5,000 max per period of coverage Essential plan - Covers pre-existing conditions as any other conditions up to $50,000
Choice plan - overs pre-existing conditions as any other conditions up to $250,000
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 Not Covered 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
 Underwriter
Sirius International Insurance Corporation 4 Ever Life Insurance Company Underwritten by Lloyds, London Underwritten by Starr Indemnity & Liability Company Underwritten by Lloyds, London
 Rating
AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
"A-" (Excellent) AM Best Rating: A++ (Superior)
Standard & Poor’s Rating: AA-
AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent)
 Brochure and Details
Compare and buy Travel insurance for Annual multitrip

Annual travel insurance (Multi trip insurance)

Annual multi trip international travel insurance 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.

Annual travel insurance (Multi trip insurance) for travel within USA

Travel Insure - Voyager Annual insurance

Voyager annual travel insurance plan is specifically designed for U.S. citizens or permanent residents who travel frequently for business or pleasure. Enroll just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home. Go anywhere in the world, as often as you like, up to 90 days at a time during the year with Voyager Insurance.
  • Take an unlimited number of Covered Trips during the 364 day Policy period
  • Covers domestic and international trips - up to 90 days each
  • Offers two plan levels namely Silver and Gold offer options for different needs and budgets
  • Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
  • The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation
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Annual travel insurance for travel outside USA - Annual travel insurance for US Business travelers

Business travelers and working professionals from USA travel abroad frequently, it is important to have proper annual travel insurance. The US frequent travelers can compare and purchase annual multi trip international travel insurance plan which covers them for the whole year.
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Advantage of Annual multi trip travel insurance - Comprehensive while affordable

  • It also works well for residents close to the Canadian or Mexican borders and who travel across the US border often. Annual multi trip travel insurance is designed to cover the health of the travelers and is not the best as trip cancellation insurance.
  • Annual multi trip travel insurance plans are relatively cheap since the coverage for trip cancellation is usually not included (some plans offer optional trip cancellation coverage on a per-trip basis for an extra fee). Even though the age of the traveler is considered, most annual multi-trip travel insurance plans are only a couple of hundred dollars annually for a traveler.

Ideal customers for Annual Multi trip travel insurance

  • Frequent international travelers such as corporate employees of multinational companies and business owners.
  • Journalists and academics who travel overseas often for research or teaching.
  • Retired pensioners who enjoy traveling to different locations.

Given that these groups travel overseas often, it is cumbersome to buy travel insurance each time, it is more convenient to buy an annual multi-trip travel insurance plan.

What is an Annual travel insurance policy?

Annual travel insurance offer coverage for businessmen and regular overseas travelers who travel multiple times in a year. Both of the options given below require the applicant to have a domestic plan in their home country. This is not a requirement of single trip plans (such as the Atlas Travel or Patriot International Travel plans).

The Atlas Multi-Trip plan offered by World Trips is a great option for your travel needs. You purchase it annually and it will cover you for trips (up to 30 or 45 days long) all year (choose at the time of purchase). You can travel as often as you like and there is no limit to the total number of days of coverage. It also covers up to $1 million maximum and covers COVID-19 like any other illness.This plan will cost about $188 annually for $1 million maximum coverage.

For information on the policy , please use below links:

Atlas Multi Trip Insurance

Another option is the Patriot multi trip insurance plan offered by IMG. The plan is available in a 30 day or 45 day plan which means each single trip can either last 30 days or 45 days. It means that on day 31 or 46 you will no longer have valid insurance while there.

For information on the policy , please use below links:

Patriot Multi Trip Insurance

Group annual multi trip international travel insurance for business or corporate travelers

Compare and Buy Group Travel Insurance online for business, Multi trip travel insurance comparison

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Steps to compare and by US travel health insurance

Step 1

Finding the available US travel insurance plans
Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

Step 2

Compare the different travel insurance options
Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Step 3

Buy the travel insurance that you like best
Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Step 4

Review the visitors insurance documents
Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers.

Annual travel insurance

These are certainly challenging times for international travelers as a result of the pandemic and the wars in Ukraine and Gaza. Regular corporate travelers and international business people are particularly vulnerable. It is hence very important to buy the best annual travel insurance. At American Visitor Insurance we are committed to getting you the most appropriate annual travel insurance policy for your specific needs.

  Atlas Multi trip WorldTrips year long travel insurance
Atlas Multi trip Annual Travel insurance offers coverage for unexpected medical expenses, Emergency medical evacuation etc.

Annual Insurance Plan - Atlas Multi trip by World Trips

  • Overall maximum limit up to $1,000,000
  • Deductible $250 per covered trip
  • Available for travelers up to age 75 years
Atlas MultiTrip America
(For non U.S. citizens traveling to the U.S.)

$257 ANNUAL PREMIUM (Trip Duration: 30 days)

$315 ANNUAL PREMIUM (Trip Duration: 45 days)

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Atlas MultiTrip International
(For travel outside of the U.S.)

$188 ANNUAL PREMIUM (Trip Duration: 30 days)

$230 ANNUAL PREMIUM (Trip Duration: 45 days)

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  Safe Travels insurance Trawick International annual insurance
Safe Travels Annual insurance offers coverage for US residents and US citizens taking frequent trips worldwide. It provides annual travel medical insurance for COVID as long as the plan is effective before the individual gets sick. If there is a chance of cancelling the plan, then it is important to check the terms and conditions of cancellation for that particular plan.

Annual Insurance for travel Plans - Trawick International

  • Maximum trip length is 30 days per trip
  • Available for travelers up to age 81 years and for U.S residents only

Safe Travels Annual Basic

by Trawick International

$155 ANNUAL PREMIUM

  • Trip cost: $2,500 per person per trip
  • Emergency medical coverage: $10,000
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Safe Travels Annual Deluxe

by Trawick International

$305 ANNUAL PREMIUM

  • Trip cost: $5,000 per person per trip
  • Emergency medical coverage: $20,000
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Safe Travels Annual Executive

by Trawick International

$675 ANNUAL PREMIUM

  • Trip cost: $10K per person per trip
  • Emergency medical coverage: $50,000
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  Patriot Multi Trip Annual insurance International Medical Group Annual travel insurance
  • IMG has designed the Patriot Multi Trip Annual insurance plan for travelers taking multiple trips in a year.
  • Patriot Multi Trip International offers medical coverage for US citizens who take multiple trips outside the US in a year.
  • Patriot Multi Trip America covers non US Citizens travelling multiple times annually outside their home country.
  • Travellers have domestic health insurance policy while being covered under this plan.
  • It offers coverage for sudden and unexpected recurrence of pre-existing conditions up to 79 years.
Optional Riders
Voyager Annual insurance Travel Insurance Services Annual travel insurance
  • Travel Insure has designed the Voyager Annual insurance plan for U.S. residents who travel frequently for business or pleasure.
  • Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
  • It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
  • There is an optional hazardous activity rider to cover such activities as sky diving and mountain climbing.
  GlobeHopper Senior Multi-Trip Insurance IMG Annual Travel Insurance
  • This plan is available for US citizens and US permanent residents and medical expenses outside US are the only eligible expenses.
  • Annual Frequent travelers can customize their travel insurance coverage by selecting the trip length, choosing from 30 or 45 day trip lengths.
  • It covers up to $1,000,000 (Travelers in ages between 65 to 79 years) for ages 80 to 99 years it covers up to $100,000.
  • People who are qualified for Medicare and are actively enrolled in Medicare parts A and B are eligible for this plan.
  • People who are enrolled in Medigap plan or Medical Advantage plan are eligible for this plan.

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annual multi trip insurance

Annual travel insurance plans

Annual travel insurance is ideal for
  • Corporate and business travelers who make short trips but travel overseas often.
  • The annual travel insurance is designed for insuring the health of the traveler and not on the expense of the trip
  • It also works for leisure travelers who make many short vacations overseas.
  • It is ideal for residents close to the international border and who travel overseas often.
Annual travel insurance does not work well for:
  • Travelers who make one or two international trips in an year
  • Travelers who need to insure the trip expense where trip cancellation insurance is important and not just on insuring the health of the travelers.
  • Travelers who are overseas for extended period of time, exceeding the annual travel plan period for each trip (usually 60 to 90 days)

Annual travel blog insurance plans

Annual multi-trip travel insurance

Compare and buy Annual multi-trip travel insurance

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Importance of Business Travel insurance

Find the importance of Business Travel insurance

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Multi-trip Coverage with Primary Health Care plan

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

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Travel insurance FAQs

Frequently asked questions for US citizens

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Annual Multitrip Insurance - FAQs

  • Is IMG a good insurance company?

    IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
    International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.


    Does IMG sell Cancel for Any Reason Insurance?

    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.


    What does IMG insurance stand for?

    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.


    Is IMG a good travel insurance company?

    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • Are Geoblue Travel insurers a reliable insurance company?
    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.Geoblue travel insurance for more than 20 years have assisted globally in the complications of international healthcare and provide confidence for its members to travel safe and peacefully.
    The travel insurance solutions provided by Geoblue provide excellent coverage for US citizens traveling overseas, travelers on work, study, Expats who live and travel internationally often.

    Is Geoblue Travel insurers a good company?
    GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association.GeoBlue provides easy access and peace of mind to travelers and expats living around the globe. Their elite network of providers, innovative online tools, telemedicine tools and exceptional customer service set completely different standards for a full, reliable, suitable protection of your health and safety in the global community.

    Why should I buy travel insurance from Geoblue Travel insurers?
    GeoBlue is a self-governing licensee of the Blue Cross Blue Shield Association who offer borderless access with a premium quality healthcare system with high-tech service for all travelers to feel secure while traveling around the world. Travelers can be rest assured that their travel requirements will be covered for a safe trip.

    Who can buy Trekker Essential plan?
    Trekker Essential multitrip international medical insurance is popular among:
    • Leisure traveler
    • Business traveler
    • Early retiree/Medicare
    • Employers, Chamber of Commerce, retirement communities
    • Financial consultants

    What are the key highlights of Trekker Essential insurance?
    Following are some of the key benefits of buying Trekker Annual multitrip travel health insurance
    • Up to $250,000 international medical limit
    • Illness and accident
    • Emergency medical transportation
    • Supplemental coverage
    • An annual plan for multiple trips

    How GeoBlue Trekker Essential insurance plan works?
    • Customer signs up online, at least 1 day prior to departure.
    • Sale is tracked to you when the customer uses your unique web link or brochure.
    • Welcome information is sent electronically or via mail. Member has instant access to their electronic ID card, claim forms and more.
    • Members are invited to register on the website, mobile site or app.
    • Buy once, travel all year. Travelers receive a renewal notice each year.
  • What are the benefits of Atlas travel insurance?

    Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.

    The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.


    What is the coverage area of WorldTrips Atlas travel insurance?
    Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.

    How do I purchase Atlas Travel Medical Insurance?
    You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.

    What are the requirements for applying for Atlas Travel Insurance?
    The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
  • What is Voyager Annual insurance?
    Voyager annual travel insurance plan is specifically designed for U.S. residents who travel frequently for business or pleasure. Enroll just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home.

    What is the coverage area of Voyager Annual insurance?
    Voyager Annual insurance is available fior all U.S. residents while traveling outside the U.S. and their country of citizenship if they are not a U.S. citizen

    How much does Voyager Annual insurance cost?
    The cost of the Voyager Annual insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers.
  • Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    What is the eligibility to buy GlobeHopper Senior Multi-Trip Insurance Yearly travel insurance?
    The applicant must be aged between 65 years and 99 years at the time of applying.

    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.