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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.

Compare US citizen Annual Travel Insurance

Age
Start Date
Coverage Period
1 year
Coverage Region
Citizenship
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Patriot Multi Trip
Plan Maximum
Deductible
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GeoBlue Trekker Essential
Plan Maximum
Deductible
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Atlas MultiTrip
Plan Maximum
Deductible
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Wander Frequent Traveler Plus
Plan Maximum
Deductible
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GlobeHopper Multi Trip
Plan Maximum
Deductible
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Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
  • Trip Duration
Insurer
IMG
geoblue logo
world-trips
Seven-corners
IMG
Covid19 Coverage
Covers Covid like any illness
Covers Covid
Atlas Annual Multi trip Covid19 Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
Covers Covid
 Not Covered
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
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
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
The applicant must be aged between 14 years and 75 years at the time of applying.
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
No
Repatriation of Remains
$50,000
Essential plan - $15,000
Choice plan - $25,000
Overall maximum limit (not subject to deductible or coinsurance)
$50,000 per period of coverage
$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
$1,000,000 per period of coverage
$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.
The plan pays 100% of eligible expenses after the deductible up to the 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.
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
Essential plan - Covers pre-existing conditions as any other conditions up to $50,000
Choice plan - Covers 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
Acute Onset of Pre-existing Conditions: Ages 14 days to 64 years: $20,000 and Ages 65 to 74 years : $2,500
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, a White Mountains Insurance Group Company.
Brochure & Details links
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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Advantages of buying Annual travel insurance - Comprehensive while affordable

  • Annual multi-trip travel insurance provides the best travel insurance value for money for regular US travelers. This is most useful for regular corporate travelers or holiday travelers who make frequent short international trips. It also works well for US residents close to the Canadian or Mexican borders and who travel across the US border often. Annual travel insurance is designed mostly to cover the health of the travelers and are not the best as trip cancellation insurance.
  • Annual travel insurance plans are relatively cheaper 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 US travelers for Annual travel insurance

  • Frequent 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.

Annual Travel Insurance, Best yearly travel insurance, Annual multi trip travel insurance – FAQs

Wha are the advantages of Annual multi trip travel 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

How long does annual travel insurance last? How long does annual trip insurance last?

The annual multi-trip policies we sell will last for one year starting from the start date. So, if you purchase a plan starting April 1, 2019, it will be in force until March 31, 2020.

How does annual travel insurance policy work? How does yearly travel insurance work? How does annual medical travel insurance policy work?

Annual medical travel insurance is a great way for frequent travelers to get coverage while they are away from home and/or traveling internationally. It is convenient since you make a one time payment for a year's coverage. Most policies have a maximum number of days you can be covered consecutively. Note there is not a limit on the total number of days, just the number of consecutive days of coverage. This number varies by policy, but can be 30, 45, or 90 days.

Which insurance companies offer the best annual travel insurance plans for frequent travelers?

There are several companies that offer annual insurance for frequent travelers. The costs are very economical and the benefits are limited to mostly medical emergencies. The companies only cover US citizens or residents if they have their own private insurance. Most companies only cover you while traveling outside your home country. One policy will cover you while you are at least 100 miles away from your home, so can also be used for domestic trips (say, out of state) and can boost your own domestic coverage in some situations.

Why is annual travel insurance cheaper than single trip travel insurance? Why is oneyear travel insurance cheaper than single trip travel insurance?

Regular international travelers should buy the annual travel insurance as it is cheaper than single trip travel insurance over the course of the year. With a one year travel insurance one can make several trips without any additional expenses for the entire year as long as each trip is within the trip period of the plan.

Annual Multitrip Insurance - FAQs

  • 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.

    • US Citizens under 76 years of age travelling outside United States.
    • Non US Citizens under 76 years of age travelling outside their home country.
    • The applicants must have a domestic health insurance policy and must maintain the domestic coverage while covered under Patriot Multi-Trip Insurance.
    • The applicants must travel frequently outside their home country annually.
  • Trekker Essential multitrip international medical insurance is popular among:
    • Leisure traveler
    • Business traveler
    • Early retiree/Medicare
    • Employers, Chamber of Commerce, retirement communities
    • Financial consultants
    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
    • 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.

  • WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

    WorldTrips Covid19 travel insurance by Atlas MultiTrip travel insurance for coronavirus coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

    Atlas MultiTrip Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

  • Yes. Wander Frequent Traveler Plus insurance offers Annual Travel Insurance with Covid19 Cover. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

    The applicant must be aged between 14 years and 75 years at the time of applying.

Covid 19 Annual travel insurance for Coronavirus, Covid multi trip travel insurance

These are certainly scary times particularly for international travelers. It is heartrending to know of so many stranded travelers in places they did not intend to be in at all.It is certainly frightening times in particular for regular international business travelers. It is heartbreaking to hear of so many travelers stranded somewhere they did not intend to be in at all. Regular corporate travelers and international business people are particularly vulnerable in these times. We cannot predict how long the current travel insurance options will remain for these stranded travelers, so it is important to buy available annual trip insurance options soon. We have already seen providers either reduce or even discontinue coverage for COVID-19 or certain other benefits due to the global pandemic. If you are an international traveler and still do not have health insurance or if it will run out soon, do consider buying an alternative annual trip insurance plan right away while options are still available. At American Visitor Insurance we are committed to getting you the most appropriate policy you need even under these difficult circumstances.
Travel Insure  Atlas Multi trip WorldTrips year long travel insurance with Covid19 Cover
Atlas Multi trip Covid19 Annual Travel insurance for Coronavirus offers coverage for unexpected medical expenses, including eligible expenses related to Covid19.

Covid19 Annual Insurance Plan - Atlas Multi trip by WorldTrips

  • 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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Trawick International  Safe Travels insurance Trawick International year long insurance for coronavirus
Safe Travels Annual insurance offers Covid19 coverage for US residents and US citizens taking frequent trips worldwide. It provides annual comprehensive travel medical coverage for COVID 19 as long as the plan is effective before the individual gets sick. Trawick International requires pre certification in case of requirement of coverage for COVID 19. That is, the insured needs to call the insurance company and let them know the need for COVID 19 coverage. 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.

Covid19 Annual Insurance 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: $10,000 per person per trip
  • Emergency medical coverage: $50,000
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Travel Insure  Voyager Annual insurance Travel Insurance Services Annual travel insurance
  • Travel Insure has designed the Voyager Annual insurance plan for 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.
Plan details Brochure Buy Online
Seven corners  Wander Frequent Traveler Plus Seven Corners Covid19 Annual Travel Insurance
  • Seven Corners has designed the Wander Frequent Traveler Plus product for frequent international travelers which provides Covid19 annual travel insurance with coronavirus coverage.
  • Annual Frequent travelers can customise their Covid19 travel insurance coverage by selecting the trip length, choosing from 30, 45, and 60 day trip lengths.
  • It covers up to $100,000 (Travelers in ages between 65 to 74 years old are limited to $50,000) in medical expenses for COVID-19 (the disease), SARS-Cov-2 and any mutation or variation of SARS-CoV-2.
  • It also has an additional $1 million for emergency medical evacuation and repatriation. If medically necessary, the coverage will transport you to a facility with appropriate care. Please note that the Wander Frequent Traveler Plus requires you to maintain continuous medical coverage in your home country.
Plan details Brochure Buy Online
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)

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