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Table of Contents

What does annual travel insurance cover?

Single trip insurance vs. multi-trip travel insurance, how does annual travel insurance work, annual travel insurance plans, is annual travel insurance worth it, caveats to yearly travel insurance, if you're considering multi-trip travel insurance.

Are you hoping to fill your annual calendar with multiple travel adventures? When you’re heading out on a trip, travel insurance may provide peace of mind in case things go awry. It can provide protection in the event of unexpected injury and illness, no matter where you are.

For frequent travelers, sometimes a single-trip travel insurance policy just doesn’t cut it. Let’s take a look at when to buy annual travel insurance, what annual multi-trip insurance is and whether you should invest in this product.

For those who aren’t familiar with travel insurance, it basically works like this: Your personal insurance covers you when you’re at home. Travel insurance does the same when you’re abroad.

There are different levels and kinds of insurance, including those that’ll reimburse you if you have to quarantine, ones that let you cancel for any reason and even policies that cover emergency evacuation services.

Some common types of travel insurance include:

Health insurance .

Lost luggage insurance .

Trip cancellation insurance .

Accidental death insurance .

Rental car insurance .

Trip interruption insurance .

Cancel For Any Reason insurance .

Emergency evacuation insurance .

Most travel insurance policies will offer different levels of coverage for the different types outlined above. In some cases, you can customize your coverage to better meet your needs instead of opting for base-level policy inclusions.

» Learn more: What does travel insurance cover?

Here's a high-level overview of how annual travel insurance policies differ from single trip plans.

Yearly travel insurance works a little bit differently than single-trip insurance. For the most part, you won’t find an annual travel insurance policy that covers extras such as baggage loss or rental car insurance, though you may find some that cover trip interruption and cancellation.

Why is annual travel insurance cheaper than single trip? Multi-trip insurance focuses mainly on medical policies, while single-trip policies can cover a broader range of issues.

In general, annual travel insurance will cover you in the event that you need medical care while traveling overseas. Different policies will have different coverage. Some can include hazardous sports such as skiing and scuba diving, while others will include care in the event you fall ill with COVID-19.

Check whether your medical care is primary or secondary; secondary medical insurance only pays out after other eligible insurances have made their payments.

If you’re looking to be covered for specific needs, be sure to double-check any policy before you decide to purchase it.

» Learn more: How to find the best travel insurance

Purchasing an annual or multi-trip travel insurance plan doesn’t have to be expensive. Of course, you’ll want to get quotes before going forward with any purchase, so it’s best to do your homework ahead of time.

We put in a search for annual travel insurance plans using a 31-year-old traveling from California to Europe among three different policy providers.

1. Nationwide Travel Insurance

Nationwide came in at the cheapest for just $52 for the year, though at that price range it didn’t include trip cancellation or trip interruption insurance.

It was possible to add these in, but it increased the price appropriately. Otherwise, the plan offered $10,000 in emergency medical, $100 for baggage delay, $100 for trip delay and $500 for lost luggage

For our sample itinerary, Allianz offered three different annual travel insurance plans with varying levels of coverage — Executive, Prime and Basic.

The cheapest rang in at $138 for the year but also failed to include trip interruption, while the most expensive option would cost this travel $510.

Allianz’s lowest-cost option (Basic) provided $20,000 in emergency medical and $1,000 for baggage loss, as well as $45,000 for rental car insurance .

3. AIG Travel Guard

AIG Travel Guard returned just one option for multi-trip travel insurance, costing $259 for the year.

However, the increased price seems worth it for the additional coverage, which included $2,500 in trip interruption, $1,500 for trip delay, $500 for missed connections, $2,500 for lost baggage, $1,000 for delayed luggage and $50,000 for emergency medical.

There are a few different questions you’ll want to consider before purchasing travel insurance. This is true whether you’re looking for a single-trip policy or a plan that covers you for an entire year.

How often will you travel?

This is probably the most obvious question you’ll want to answer: How often do you travel? Are you out of town frequently? Do you stay out of the country for longer periods of time?

If you’re someone who goes on one or two vacations per year, for a week or two at a time, it may not be worth purchasing annual travel insurance. Although it’s cheaper than single-trip insurance, the benefits that you’ll receive are reduced accordingly.

What kind of trips are you taking?

How expensive are your trips? What about the chance for illness or accidental injury? Are you certain that you’ll be going on your trip, or is there the chance that you’ll need to cancel?

Multi-trip travel insurance is inherently limited due to its length of coverage. If your trip has a lot of components and opportunities for things to go awry, you may want to consider instead purchasing a single-trip policy.

As we noted above, these types of policies have a much broader area of coverage. This includes options such as cancel for any reason insurance and trip delay insurance.

Do you have any pre-existing conditions?

Pre-existing conditions are those that you have had prior to purchasing insurance. Let’s say that you tore your hamstring last year. After completing a round of physical therapy, you’re doing pretty well, though sometimes you still struggle with pain.

Some annual travel insurance policies will cover acute flare-ups of pre-existing conditions. This means that if your sore hamstring is suddenly aggravated to the point of needing crutches, they will cover the cost of that care.

Some policies do not; they will have a specific clause excluding any pre-existing conditions from your medical care.

» Learn more: What to know about travel insurance for pre-existing conditions

Does your credit card provide travel insurance?

Did you know that many travel credit cards provide complimentary travel insurance? If you book and pay for your trip using your card, you may be eligible for this insurance.

Examples of travel insurance offered by credit cards include:

Rental car insurance.

Emergency medical insurance.

Emergency evacuation insurance.

Trip cancellation insurance.

Trip delay insurance.

» Learn more: The best credit cards for travel insurance benefits

Not all credit card travel insurance coverages are equal; if this is something you’re relying on, you’ll want to carefully examine the policies of the credit card you’re using and the types of coverage it offers.

Cards such as the Chase Sapphire Reserve® offer some of the best complimentary travel insurance on the market.

Chase Sapphire Reserve®

Other cards, such as The Platinum Card® from American Express , also offer a wide range of coverage while you’re traveling. Terms apply.

» Learn more: The best travel credit cards right now

Yearly travel insurance may be a good option for you if you’re often on the road, but keep in mind that there are limits to the product.

For example, many travel insurance plans limit the amount of time you can spend on each trip. This is true for policy provider Heymondo, whose 12-month plan stipulates that your trip duration be less than 60 days.

Other plans may only apply outside the United States. This is the case for GeoBlue , whose travel medical insurance doesn’t cover you when you’re home.

Yes. Depending on the provider, you can purchase multi-trip or an annual travel insurance plan.

The biggest difference with annual travel insurance is it doesn't have as many covered benefits as the individual single-trip plans, as one of the main focuses of annual travel insurance is medical emergencies.

To determine which plan type is right for you, ask yourself questions such as:

How often are you traveling?

Are the trips expensive?

Do you have any credit cards with travel insurance coverage ?

Although cheaper, multi-trip or annual travel insurance are policies that cover multiple trips over a specific time frame. Policies have less coverage than single-trip policies. Generally, single-trip policies have baggage loss or rental car insurance, whereas annual travel insurance does not.

The average cost of a travel insurance policy varies on the coverage provided and the length of the trip. It's typically a percentage of your overall trip cost. On the high end, you can estimate up to 10% of your trip expenses. On the low-to-mid scale, you can estimate 4-8% of your anticipated trip costs.

Yes, you can buy annual or multi-trip travel insurance policies, which can be a good option for extensive trips. Note that these plans differ from single-trip policies in terms of coverage. Annual plans tend to focus on medical emergencies, whereas individual plans offer more robust travel-related coverages (such as baggage or trip delay).

Multi-trip insurance covers an unlimited number of trips during your coverage period. However, the length of time for your period is going to depend on your specific policy. Many multi-trip plans can be purchased as annual travel insurance, which will cover you up to 365 days.

It’s possible to cancel any insurance policy that you buy, but only during specific periods. This is called the "lookback" or review period. In most states, the lookback period lasts up to 15 days, during which time you can cancel your insurance without penalty.

Do you have any

credit cards with travel insurance coverage

Multi-trip travel insurance can be a cheap, affordable way to make sure you’re covered if you’re a frequent traveler. However, you’ll also want to understand the limitations of year-long policies. Although they can be less expensive than policies that cover a single trip, you can also expect to have less coverage.

Annual travel policies tend to focus more on medical care and — in limited circumstances — trip cancellation or trip interruption. However, if your needs include the ability to cancel your trip for any reason, or extras such as baggage insurance, you may want to consider purchasing a single-trip policy instead.

Finally, if you hold a travel credit card, odds are good that it comes with some form of travel insurance. Check out its guide to benefits to see what types of coverage your card offers, whether it’s emergency medical evacuation or trip delay reimbursement.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Multi-Trip Travel Insurance: One Policy That Covers Every Trip for a Year

Travel's messier than ever, so how'd you like travel insurance you only have to buy annually? Here's what multi-trip insurance is, how it works, and how to tell if it's the economical choice for you.

By Jason Cochran

February 22, 2023

For years you've heard it drilled into your consumer brain: Always buy travel insurance for major trips.  But ever since Covid-19 travel restrictions receded, even minor trips may involve big problems. 

Airlines and airports are halting operations without warning , political skirmishes are changing the landscape of no-go destinations , and, oh yeah, you could still get sick with Covid when you're scheduled to travel.

Given how unreliable travel has become and how easy it is to get stranded between point A and point B, our new travel insurance advice could very well be simplified to three words: Always have it . 

There's actually a type of travel insurance that you only have to buy once a year. Multi-trip insurance will cover you, no matter where you go, for the length of the policy's validity period, which is usually a year.

Buy this type of insurance once, and you'll be covered for all your trips for a full 12 months. 

Will I save money using multi-trip insurance?

That's something you have to calculate based on who you are and what your travel habits are.

"The cost of single-trip products are often based on two factors: the age of the traveler and the cost of the trip," said Daniel Durazo of Allianz Travel Insurance , one of the largest players in the business. "So as those factors go up or down, so does the cost of travel insurance."

According to Durazo, single-trip policies often cost between 5% and 10% of the total cost of a trip.

On the other hand, annual multi-trip policies are usually offered at a flat rate, "meaning your cost may not increase with age and trip cost," Durazo said.

Once you possess multi-trip coverage, you don't have to report each trip you take to your insurer, like you do with single-trip policies. You're simply covered for the year, no matter where you go.

All of the insurance industry experts we spoke to estimated that you'd need to take at least three to five trips in a year for the expense of a multi-trip policy to be worth it. 

Can I travel all year with a multi-trip policy?

You can take multiple trips, but you can't remain on the road for months at a time. With an annual policy, coverage for each trip will expire after a maximum number of permitted days.

Lynn Pina of Pennsylvania-based GeoBlue , which sells annual travel insurance products, says that "most policies [only] cover trips up to 30 days [apiece]." (However, one of the company's premium products, GeoBlue Trekker, will cover trips lasting up to 70 days.)

After time's up on a trip, travelers on an annual plan will have to return home and then leave again for the clock to reset for the next trip. If you can't get home in between journeys, many insurers will also sell you add-on plans to cover the extra days.

Consequently, multi-trip insurance is better for leisure or business travelers and not designed for expats or long-term backpackers. 

How can I compare prices and coverage of single-trip policies vs. multi-trip policies?

You don't have to track down a bunch of insurers to compare prices. That can be done quickly.

There are several one-stop online insurance marketplaces where you can plug in your details to see what numerous companies will offer.  InsureMyTrip ,  Squaremouth , and QuoteWright  have all been in business for many years. Check those and you'll be able to survey the major players and compile a thorough list of options. 

Those websites can also handle quotes for multi-trip insurance, so you won't have far to go to compare prices and inclusions.

Will multi-trip insurance cover cancellation?

Not automatically. You have to make sure you buy a policy that has trip cancellation coverage. For example, Allianz's most affordable option, AllTrips Basic , will not cover cancellation, but the company's upgraded policies, like AllTrips Premier , do cover cancellation. 

If you want the ability to decide unilaterally that you don't want to take a trip you bought, you must ensure that  Cancel for Any Reason (called CFAR) coverage is part of your policy. Not all insurance offerings automatically include a CFAR clause. 

Some upper-tier multi-trip plans will also cover everyone in your household, even if you travel separately. Maybe you can split costs with family members.

Will multi-trip insurance cover lost luggage?

Multi-trip policies tend to cover baggage loss, but only for a small amount and only for checked baggage.

That might not be a deal-breaker, though, because many credit cards automatically include such protection if you pay for travel with them. You might already have free baggage coverage.

Will multi-trip insurance cover rental car insurance?

That's another thing your credit card may already cover, but many multi-trip policies still throw it in. All of Allianz's annual plans do, and the coverage is good for $45,000 in rental car collision damage.

Will multi-trip insurance cover medical expenses?

Not all annual policies do. Some require Americans to have primary medical insurance back home and will only deal with medical situations that are classified as emergencies.

"The benefits of these plans vary but most typically cover medical expenses, trip interruption, and medical evacuation costs," said Pina of GeoBlue. "Some may even cover preexisting conditions for medical services and medical evacuation."

You just need to seek out the specific medical coverage for your needs.

"If your prepaid costs for an international trip are for items that can be rescheduled [for free], like airline tickets, consider a travel medical plan that provides coverage for medical expenses that will not be covered by your domestic health insurance," said Pina.

Even if your policy offers limited medical inclusions, make sure it at least includes Covid-19 coverage and access to a doctor around the clock via a telehealth service. 

How much should I travel in a year to make a multi-trip policy worth the money?

You may also like:  Frommer's 8 Great Travel Insurance Providers You may also like:  How to Tell If You Need Travel Insurance, Based on the Type of Vacation

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• Trip Protection Annual Multi-Trip

Convenient annual travel insurance protects your money, health, and belongings

One trip just isn’t enough.

That’s why you need the best annual trip protection, so you can see more, do more, and experience more, always knowing you’re prepared for the unexpected.

With Seven Corners Trip Protection Annual Multi-Trip, you can travel as often as you want on one convenient plan. That’s travel protection for a whole year that provides coverage for trip cancellation, trip interruption, and trip delay. You’ll also get travel medical benefits, COVID-19 coverage — including protection for medical expenses, trip cancellation, and more if you get sick — and baggage protection for every trip you take throughout the year.*

* Subject to plan limits per term

When should I take out annual travel insurance?

If you travel frequently — domestically, internationally, or both — an annual trip protection plan may be for you. Whether you’re a solo traveler, young family, or senior, this multi-trip plan protects your money, health, and belongings. Purchase it before your first trip and enjoy 365 days of peace of mind.

Protect your money

Protect your health, protect your belongings, 24/7 travel assistance services.

When the unexpected happens, the right trip protection can help you recover money you would have otherwise lost due to a trip cancellation, trip interruption, or trip delay.

When your domestic health insurance doesn’t cover you during your trips, travel medical benefits can pay for the cost of vital healthcare.

Travel Medical Expenses

• Pays up to $250,000 ($50,000 for New Hampshire residents)
• Covers the cost of treatment for medical emergencies (including COVID-19 and Adventure Activities) that occur during your trip. $100 deductible applies ($50 for Florida residents).
• Emergency dental expenses are covered up to $750. No deductible.

Emergency Evacuation and Repatriation of Remains

• Provides primary coverage up to $500,000
• Covers the expense of transporting you to the nearest adequate medical facility or returning you home if appropriate medical care is not available at your destination. Includes Adventure Sports Coverage.

You packed the essentials, which means not having them on your trip is less than ideal. Travel insurance can help pay to replace them.

Baggage and Personal Effects Coverage

• Pays up to $2,000
• Reimburses you for lost, stolen, or damaged luggage, as well as sporting equipment and personal effects
• $100 deductible ($50 for Florida residents) and a $500 per item limit apply.

Baggage Delay

• Reimburses you up to $100 per day to a maximum of $1,000
• Covers the expense of replacing clothing, toiletries, and other essential items if your baggage is delayed for the length of time specified in your plan

Travel assistance services are provided by battleface Robin Assist, an emergency assistance team available 24/7 worldwide. Travel assistance services can include emergency telephone interpretation assistance, roadside assistance, emergency cash transfer assistance, missed connections coordination, legal referrals, and more.

All coverage and plan costs shown are in United States dollar amounts, per person, and up to the amount shown. The limit for each benefit is the total maximum limit for the plan year.

• Frequently Asked Questions

Who can buy Seven Corners Trip Protection Annual Multi-Trip?

This plan is available to U.S. residents.

You cannot purchase this plan if you reside in one of these states: Minnesota, New York, and Washington.

Where can I travel?

This plan is ideal for both domestic trips in the United States and international trips.

View list of destinations not covered by this plan

How many trips per year am I covered for?

You can travel as often as you like during the length of your plan’s coverage as long as each trip does not exceed 40 days (30 days for Florida residents).

Do I need to notify Seven Corners when I go on a trip?

No. Whether you’ve been planning a trip for months or decide to take a spur-of-the-moment getaway, you do not need to notify us before you travel. You’ll still be covered by your annual plan.

Is the Trip Cancellation limit per trip or for the entire year?

Coverage limits shown for Seven Corners Trip Protection Annual Multi-Trip are cumulative for the plan year.

What is a pre-existing condition, and can I get coverage for one?

A pre-existing condition is an illness, disease, or other condition that you, a family member, or traveling companion has before your coverage begins. They may include conditions such as heart disease, diabetes, autoimmune disorders, and more.

Pre-existing conditions are covered by Trip Protection Annual Multi-Trip after the policy has been in effect for 60 days. At the end of your annual coverage, you can re-buy the plan for an additional year. If you purchase again without a gap in coverage, you do not need to wait another 60 days to gain pre-existing conditions coverage.

This can be a complicated subject, so we recommend you read your plan document and contact us if you have questions.

What if I think I might take one or more trips with a value of greater than $10,000?

For trips exceeding $10,000, we recommend purchasing Seven Corners Trip Protection for single trips instead of the annual multi-trip plan. This will provide better coverage for travel with higher trip costs in the event of a trip cancellation or interruption.

What is Adventure Sports Coverage?

Adventure Sports Coverage can pay benefits if you suffer an injury while participating in adventure activities. These activities include cycling, mountain climbing up to 15,000 feet, fishing, scuba diving for qualified divers up to a maximum depth of 40 meters, scuba diving for unqualified divers up to a maximum depth of 30 meters, snorkeling, white or black water rafting, canoeing, kayaking, water skiing, camping, hiking, backpacking, sailing, downhill and cross-country skiing, snowboarding, snowmobiling, tobogganing, snow tubing, and ice skating.

Can I get a refund if I’m not satisfied?

If you are not satisfied for any reason, you may cancel your plan within 10 days from the date of purchase by contacting battleface at [email protected] . We will refund your plan cost paid provided there has been no incurred loss, you have not departed on a covered trip, or you have not filed a claim under your plan.

For full details about this plan and what is covered, review your plan document .

Important Note: This plan is underwritten by Spinnaker Insurance Company (an IL Corporation, NAIC# 24376), with administrative office at One Pluckemin Way, Suite 102, Bedminster, NJ 07921. Plans are offered and administered by battleface Insurance Services LLC, 45 East Lincoln Street, Columbus, OH 43215, National Producer Number 18731960 (FL License number L107363/CA License number 0M75381). Travel Retailers offering this plan may not be licensed insurance producers and cannot answer technical questions about the terms, benefits, exclusions, and conditions of this insurance or evaluate the adequacy of your existing insurance. Your Travel Retailer may be compensated for the purchase of a Plan and may provide general information about the Plans offered, including a description of the coverage and price. The purchase of this Plan is not required in order to purchase other travel products or services offered by your Travel Retailer. This is a brief description of the coverage provided under policy series RIG-1000. The Policy will contain reductions, limitations, exclusions, and termination provisions. Please refer to the Policy for complete details. If there are conflicts between the information on this site and the Policy, the Policy will govern in all cases. Not all products or coverages may be available in all jurisdictions.

Non-insurance assistance services are provided by Robin Assist LLC (in CA: battleface Insurance Services dba Robin Assist).

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Frequently Asked Questions about Annual Multi-Trip Insurance

Many travel insurance shoppers have questions about annual multi-trip travel insurance plans. Savvy travelers may want to buy one travel insurance policy a year rather than several policies for each individual trip they take. However, they also want to make sure the annual insurance coverage is the right one for their needs.

This list of frequently asked questions about annual multi-trip insurance should help you learn more about this type of coverage and if it is the right fit for you. As always, if you have more questions, you can contact us at 800-699-3845.

What is annual multi-trip insurance?

Annual multi-trip travel insurance provides travel insurance coverage for an unlimited number of trips in a single year. This means you only have to purchase a policy before your first trip of the year and you will not have to purchase a policy for additional trips taken over the next 365 days.

What does annual multi-trip insurance cover?

Within the Arch RoamRight Multi-Trip plan, you will find many of the coverages you are used to in a single-trip plan, such as Trip Cancellation , Trip Interruption , baggage coverages , Emergency Medical , and more. See the table below to understand the benefit limits for this type of plan.

Download the complete policy for your state of residency.

(Note: Not available to residents of the state of Oregon.)

*Benefits are provided on an aggregate basis. The maximum limits are applied to the entire term of the policy (one year).

**Maximum of one (1) occurrence per year.

Are there limits to the amount of trips you can take or the trip length?

There is not a limit for the number of trips you can take in one year under the multi-trip plan, but you do need to keep in mind that the maximum trip cost you insured is the sum total of all of your trip costs for the year. If you plan on taking 5 trips, each costing $2,000, you may want to insure $10,000 in trip costs. If you only insure $2,000 and need to cancel your first trip, you will have reached your annual limit for this type of coverage.

It is also important to note that there is a maximum trip length for each trip. For coverage under the multi-trip annual plan, trips cannot exceed more than 30 days in length. If you are planning a trip that will be longer than 30 days, you will have to purchase a single-trip policy. If you are spending a semester abroad or traveling around the world on a gap year trip, this is not the best plan for you, as each of those would exceed the 30 day maximum.

In sum, there is not a maximum number of days of coverage. You can take multiple 30 day-trips, provided that you return home between each travel period. No single trip can exceed 30 days.

Is it cheaper to buy annual multi-trip insurance than single-trip insurance?

There are a variety of factors that are used to determine the price of a travel insurance policy. Therefore, an annual multi-trip travel insurance plan may not always be cheaper than a single trip policy purchased for each trip, but a multi-trip plan can provide convenience in not having to buy a policy before every trip in a year. Depending on your travel plans, you may want the higher medical and evacuation coverage that can be found in other, single-trip plans. Before buying a multi-trip policy, carefully consider whether or not all of the benefit limits will fit for your travels.

What are the advantages of purchasing multi-trip insurance?

If you know that you will be taking multiple trips over the course of the year, there is one big advantage to purchasing a multi-trip plan: convenience.

By purchasing an annual plan you do not have to worry about purchasing travel insurance before every trip. You don’t even have to tell us when or where you’re going!

Of course, in order for those trips to be covered under your annual multi-trip plan each trip has to be 30 days or fewer in length.

How do I get a quote for annual multi-trip insurance?

To get a quote for an Arch RoamRight annual multi-trip plan, use the quote form on the right side of this page and select “Annual” under “Coverage For.”

When obtaining a quote for an annual plan, it is important to know that the Arch RoamRight Multi-Trip plan provides four options for a combined maximum trip cost at the time of purchase: $2,500, $5,000, $7,500, or $10,000. Whatever trip cost you decide to insure at the time of purchase is the maximum trip cost you cannot exceed throughout the course of the year among all trips combined.

But do not worry, since we know travel can be unpredictable, if you find yourself about to exceed your maximum trip cost on your Multi-Trip Plan, you can give us a call at 800-699-3845 and we will help you find an additional policy that best fits your needs.

Note: Available plans and coverages may have changed since this blog was published.

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Best Annual Travel Insurance: Multi-Trip Coverage

On This Page

• Key takeaways

Compare annual travel insurance plans

Our picks for the best annual travel insurance plans of 2024, our methodology for choosing annual travel insurance providers, what is annual travel insurance, what does annual travel insurance cover, how much does annual travel insurance cost, annual travel insurance vs single-trip insurance, our top picks for single-trip plans, is annual travel insurance worth it, multi-trip insurance faq.

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Related topics

• Based on our research, the best annual travel insurance plans come from Trawick International & GeoBlue ( skip ahead to view these plans ).
• Annual travel insurance and multi-trip travel insurance are two different terms for a travel insurance plan that covers you on multiple different trips over the course of a year .
• Overall, annual travel insurance plans are typically cheaper than buying individual travel insurance polices for each trip . However, the coverage may be more limited.
• It’s important to understand your coverage needs before opting for a multi-trip travel insurance plan, as the inclusions vary greatly by provider .
• Annual travel insurance plans typically include medical-based coverage as a minimum, but may lack other coverage types like interruptions, cancellation, or baggage delay coverage.
• We recommend using using a comparison tool to find the best annual travel insurance plan for your needs. A comparison tool can show you quotes from multiple providers at once allowing you to quickly compare coverage and prices

An annual travel insurance plan, or multi-trip insurance plan, is a type of travel insurance policy that provides coverage for every trip you take over a period of up to 365 days.

While single-trip insurance is a great option for seldom travelers, multi-trip travel insurance might make more sense if you travel regularly.

Annual travel insurance policies can be ideal for:

• early retirees
• long-term travelers
• students abroad
• business travelers
• families who regularly bounce between countries and destinations

Annual travel insurance is not only convenient, but it can also be more cost-effective than buying a separate plan each time you travel. That said, not all travel insurance companies offer annual plans, and even then, some plans are different than others.

So, let’s get into it. You can find our top picks for the best annual travel insurance below.

Our top picks for the best annual travel insurance

• GeoBlue: Best for Basic Coverage on Trips Abroad
• Trawick International: Best Value for the Money
• Trawick International: Best Overall for Comprehensive Coverage
• GeoBlue: Best for High Medical Coverage
• Faye Travel Insurance: Best 6-Month Travel Insurance
• MedjetAssist: Best For Annual Membership
• Seven Corners: Best For Frequent Travelers

Best for Basic Coverage on Trips Abroad

Why we like it.

Editor's take

The GeoBlue Trekker Essential excl US plan is a great basic plan for frequent travelers who are looking for medical-related coverage when heading out of the U.S. for up to 70 days per trip and is also the most affordable plan on our list. With this plan, you can take an unlimited amount of trips during a year and stay covered as long as each trip lasts under the 70-day maximum.

With a robust $500,000 emergency medical coverage limit and a $250,000 medical evacuation limit, this policy should easily cover you in almost all medical scenarios should the worst happen abroad. This policy can also cover pre-existing health conditions which is a major plus for older travelers or those with health issues.

Limitations to this plan are that it only covers trips outside of the U.S. and does not include cancellation, interruption, or travel delay coverage. Therefore, if you plan to travel domestically or are keen on being covered for things not just related to travel health, you may want to look at other plans on our list, like the ones from Trawick International.

• Solid medical coverage limits
• Coverage for an unlimited number of trips
• Covers pre-existing medical conditions
• 24-hour assistance provided
• Money-back guarantee
• No cancelation/interruption coverage
• No coverage on trips within the U.S.
• Secondary medical coverage

Best Value for the Money

Trawick international.

This plan offers great value as it’s the second most affordable plan on the list and offers many different types of coverage. Where the Geo Blue Trekker Essential excl US plan only covers you outside the U.S., the Safe Travels Annual Basic plan from Trawick International offers coverage to both domestic and international destinations. It also goes several steps further from medical-only coverage and offers basic coverage for:

• Trip interruption
• Trip cancellation
• Travel delays
• Baggage delays
• Lost baggage and personal items
• Accidental death and dismemberment

That said, it is important to note that the medical coverage limits on this plan are lower than most. You will only be covered for up to $10,000 in medical treatments and $50,000 for medical evacuation. You also won’t be covered for pre-existing conditions. That makes this coverage ideal as a supplementary plan to your U.S. healthcare and perfect for domestic travel or travel in and around North America and the Caribbean.

• Great plan to have for basic coverage
• Covers domestic & international travel
• Diverse coverage and inclusions
• Cancelation & interruption coverage
• Lower medical coverage limits

Best Overall for Comprehensive Coverage

The Safe Travels Annual Deluxe plan from Trawick International is aptly named as it represents the most deluxe and comprehensive annual travel insurance plan on our list. It’s important to note that its sister plan (the Trawick Safe Travels Annual Basic) is our choice for the best value plan thanks to the coverage it provides for the price. However, if you want to be fully covered on your trip, the Safe Travels Annual Deluxe plan is the one to go for. It offers everything that the Basic plan offers, just with higher coverage limits.

With this plan, you get international and domestic travel coverage for medical treatment and evacuation. While the medical limits are lower than other plans, they should be enough for the majority of situations domestically and abroad.

The Deluxe plan also offers coverage for any delayed trips, with an allowance of $500 per trip. The plan also includes hurricane and weather cover, up to the maximum benefit shown on the confirmation of coverage - ideal for those traveling to volatile weather destinations.

Travelers looking to cover any possibility of baggage delays or loss of items during their travels will be pleased to see that the Safe Travels Annual Deluxe plan provides both. Policyholders will be entitled to a daily cover of $200 for delays of baggage and a $150 per item cover on all lost items during travel.

With medical coverage for COVID-19 included in the Emergency Medical Coverage, the Safe Travels Annual Deluxe plan provides great peace of mind when traveling in the post-COVID world.

• Includes emergency medical evacuation coverage
• Covers interruption and cancelation of the trip
• Offers hurricane and weather coverage
• Offers sports and activities coverage
• Medical limits are low for international trips

Best for High Medical Coverage

The GeoBlue Trekker Choice excl US plan is one of the best multi-trip plans for travelers needing high medical coverage limits for trips outside the U.S. With this plan, you will get up to a million dollars worth of emergency medical coverage and $500,000 of medical evacuation and repatriation coverage. These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality. This plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. As with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.

• High medical coverage limits
• Accidental death & dismemberment coverage
• Baggage and personal items loss coverage
• Covers some sports & adventure activities
• No coverage for trips within the U.S.
• No cancelation or interruption coverage

Best 6-Month Travel Insurance

Faye Travel Insurance

Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process.

Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.

Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.

Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.

Potential add-ons include:

• Rental car care
• Cancel for any reason
• Vacation rental damage
• Adventure & extreme sports

If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.

Read our full review

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

Best For Annual Membership

Medjetassist.

MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.

While the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.

• Available for short-term or long-term travel
• Can cover pricey evacuation expenses when you need medical care
• Covers both personal and business travel
• Membership covers each trip you take during its term
• Short-term memberships start at just $99
• Does not include traditional travel insurance benefits
• Does not cover transportation from the site of an accident (medical facility transfers only)
• Covers up to two transport events per year

Best For Frequent Travelers

Seven corners.

Seven Corners’ Trip Protection Annual Multi-Trip plan allows you to travel as many times as you’d like throughout the year under one policy. With $250,000 worth of medical coverage ($50,000 for New Hampshire residents), you are protected should the worst happen during your trip.

Alongside this standard medical coverage, the Trip Protection Annual Multi-Trip plan covers emergency dental expenses up to $750 and coverage for COVID-19-related illnesses.

This plan enables you to choose from four levels of trip cancellation coverage: $2,500; $5,000; $7,500; and $10,000. Trip interruption coverage also provides up to 150% of the trip cancellation limit and up to $1,000 of missed connection coverage per year.

• $250,000 for emergency medical expenses
• Travel multiple times a year
• 24/7 emergency travel assistance included
• Provides primary coverage up to $500,000 for emergency evacuation
• Customizable benefit levels
• Coverage only applies to trips up to 40 days
• Deductible up to $100 for emergency medical coverage

When choosing our top annual travel insurance providers, balancing the many factors that makeup insurance policies is important. By pinpointing criteria such as cost, coverage amounts, types of coverage, and customizability, we were able to highlight the best annual travel insurance plans of 2024. Here is a simple breakdown of the criteria used to select our top insurance plans:

• Types of coverage: Annual travel insurance can often be limited in its type of coverage. With these chosen plans, we have tried to select policies that cover essential areas such as medical evacuation and emergency medical assistance, at a minimum.
• Coverage amounts: Taking out an annual travel insurance plan is useless if the coverage amounts are too low. Based on this, we have chosen insurance plans that provide reasonable coverage limits.
• Value: As this type of insurance plan can be more expensive than a single-trip plan, it was important to recognize providers that are able to offer more coverage at a lower price than other competitors.  

It is important to note that annual travel insurance is a niche market and there are not tons of policies available. To add to that, annual travel insurance policies often offer limited coverage options. Therefore, we have looked for policies and providers that meet our requirements for the necessary minimum coverage. In this case, we focused on providers that offered emergency medical coverage and medical evacuation coverage as a minimum.  

Annual travel insurance, also known as multi-trip travel insurance, is a type of travel insurance policy that covers you for multiple trips throughout the year. It’s important to highlight the difference between multiple trips throughout the year, and taking a single trip that visits multiple destinations.

Under annual travel insurance policies, you are able to leave your home country, take a trip abroad, return home, and repeat the process several times throughout the year. Each of these single trips, regardless of the time in between, will be covered under an annual/multi-trip travel insurance policy. 

On the other hand, a single-trip insurance plan covers you for one single trip, regardless of whether this journey includes more than one country or destination (i.e. backpacking through Europe)

With a single-trip policy, your coverage begins once you leave home and ends as soon as you return whereas with an annual/multi-trip policy, your coverage starts and stops each time you travel.

Some annual travel insurance plans are medical plans only, meaning they provide coverage for medical care that is required during travel but not much else.

That said, some annual travel insurance plans, including some mentioned above, offer comprehensive coverage with benefits for trip cancellation and interruption, travel delays, lost and delayed baggage, and more. However, it requires a cancellation reason covered by the policy. Cancel for any reason (CFAR) coverage can be added to most plans.

Choosing between either annual travel medical insurance or a more comprehensive option will depend on your needs and how much you are willing to spend.

• Cheaper than buying multiple single-trip plans
• The convenience of buying one plan vs. many separate ones
• Ideal option for frequent travelers
• Limited coverage options vs. single-trip plans
• Fewer plans to choose from
• Unlikely to uniquely tailored to each individual trip

All annual multi-trip travel insurance plans include coverage for medical expenses , including protection for any medical emergency that occurs.

However, coverage limits vary by plan, and some travel insurance plans offer considerably higher limits than others (even up to $1 million).

 Other common benefits of annual travel insurance plans include:

• Coverage for emergency medical evacuation: Emergency medical evacuation coverage, also known as medevac, is insurance that covers emergency transportation when you become ill or injured away from home.   
• Protection for repatriation of remains : A repatriation of remains policy provides coverage for the transportation of the policyholder’s bodily remains to their country of residence - should they result in death from a covered illness or injury. 
• Insurance for medical expenses due to COVID: This coverage allows the policyholder to be insured for any medical expenses caused by the Coronavirus/SARS-CoV-2.
• Accidental death and dismemberment (AD&D) coverage : AD&D coverage pays benefits should the policyholder experience an accidental death or dismemberment. This also includes the loss, or loss of use, of body parts or limb functions.  

It’s important to note that some traditional travel insurance benefits are often not included in annual plans. This all depends on the travel insurance provider you’re considering and the multi-trip plans they have on offer. This being said, it is not a given that the following insurance benefits will be absent from any annual travel insurance policy.

Here are some traditional travel insurance benefits you may get with an annual travel insurance policy:

• Trip cancellation coverage : Trip cancellation coverage will financially cover you should any unforeseen circumstance prevent you from making your planned trip.
• Trip interruption coverage: This insurance policy will reimburse you for any unused, prepaid, or nonrefundable expenses should you be required to cut your trip short.
• Insurance for travel delays: If you experience flight or travel delays, your policy will cover you for certain expenses such as cancelation fees or unused activities.
• Protection for lost or delayed baggage: This policy allows you to claim the cost of any lost or delayed luggage en route to your travel destination.
• Coverage for missed connections : If your flight, train, boat, or any other predetermined mode of travel is delayed, this insurance policy will cover the cost of any additional transport needed to complete your trip.

To give you an idea of the cost of a travel insurance plan with annual coverage, we applied for quotes from all the top travel insurance companies included in this guide.

The quotes we received were for a multi-trip plan lasting for up to one year and aimed to cover two 45-year-old citizens of the United States.

While included benefits and coverage limits vary among these plans, the chart below shows the average premium cost for each provider meeting these criteria.

While these price examples can offer insight into ballpark figures for what an annual plan could potentially cost, it’s important to note that the cost of travel insurance varies based on many factors, such as your age, destination of choice, state of residence, and more.

Therefore, we recommend getting a quick personalized quote using a comparison tool. This can allow you to see several plans and prices all at once that are valid for your personal trip parameters.

Is it cheaper to buy annual travel insurance vs. single-trip insurance?

An annual policy intends to cover multiple trips over a period that may last up to one year. Therefore, the cost is higher. However, it’s important to consider all of the destinations you plan to visit before purchasing travel insurance for a year.

If you plan on staying in the same destination for the duration of your trip, such as a vacation to Bali , or are taking a cruise once a year, then buying affordable travel insurance for a single trip, monthly travel insurance, or a cruise insurance plan will likely be less expensive than buying an annual plan. Apart from that, single-trip travel insurance plans tend to have more types of coverage included overall. It is important to mention that many multi-trip insurances oftentimes exclude seniors and people 60+ years old. In that case, it is highly recommended to compare single-trip plans or senior insurance offers .

However, if you plan on visiting multiple destinations or countries throughout the year, an annual plan with travel insurance for one year may make more sense. If you have a list of your destinations, try searching what several single plans would cost compared to an annual multi-country travel insurance plan.

For international trips where you may need travel insurance for multiple countries, single plans will be more expensive than if you were to buy single plans for US destinations.

If you are a spontaneous traveler and want the freedom to know you will be covered regardless of where you decide to travel, opting for a multi-trip insurance plan can save you time and money.

As mentioned before, annual travel insurance is right for people who travel frequently, such as digital nomads, business people, retirees, students abroad, etc.

Here are some examples of people who may and may not benefit from annual trip insurance:

An annual travel insurance policy may be right for you if you meet the following criteria:

• You take at least four or five separate trips that keep you on the road (or in the air) almost year-round
• You travel often and frequently at the last minute and you want a travel insurance policy that is always in force
• You want to limit your out-of-pocket expenses by purchasing a single travel plan once per year
• You have a pre-existing condition and you want to ensure you have medical coverage when you travel abroad
• You want  coverage for COVID-19  when you travel abroad

You may want to opt for a sing-trip plan if you meet the following criteria:

• You only take a few trips each year
• You only plan to travel within the US
• You travel within the U.S. and you have a health insurance plan that applies nationwide
• You prefer to customize each travel policy you buy with select add-ons

Seven Corners Trip Protection Choice

• Overall trip cost
• Travel delays & stipends
• Baggage & equipment loss/damage
• Emergency medical expenses

Tin Leg Gold

• Accidental death & dismemberment
• Medical coverage for COVID-19 sickness
• Pre-existing conditions (when meeting waiver criteria)
• Sports & adventure (exclusions apply)

Trawick International Safe Travels Voyager

• Hurricane & Weather
• Financial Default
• Baggage and personal items loss up to $2,500
• Baggage delay coverage up to $600 per person

Investing in an annual travel insurance plan can be well worth it if you travel often and want to ensure you have coverage each time you do.

Having an annual plan in place means you don’t have to get a new travel insurance quote for each trip you take. Instead, you can pay an upfront premium once and get coverage that lasts for multiple trips.

That said, it’s worth noting that some year long travel insurance plans are limited to medical-only coverage. Therefore, we recommend looking for annual plans with comprehensive coverage if you want protection against travel delays, trip cancellation and interruption, lost or delayed baggage, and other risks.

We suggest researching the travel insurance companies in our guide and comparing their plans side-by-side. From this annual travel insurance comparison, you can get a few quotes for the types of trips you want to take. Don’t settle on a travel insurance policy until you find one with the included coverages and benefits you need.

Ultimately, whether or not to purchase a multi-trip travel insurance plan will depend on your specific travel habits and how much you want to spend.

Jon Morgan's experience buying annual travel insurance:

“I find myself traveling quite frequently for business meetings, conferences, and networking events. Having an annual plan seemed like the most practical choice because it provides continuous coverage for all my trips throughout the year.

It just saves me from the hassle of purchasing separate insurance every time I travel, which, trust me, can get quite overwhelming with my schedule.

I would definitely buy an annual plan again . It just simplifies my life and ensures I’m protected every time I step out for a business trip.

The thought that I won’t be financially burdened if something goes wrong is a huge relief. Having the peace of mindknowing that I’m covered in case of trip cancellations, medical emergencies, or unexpected events during my travels is priceless.” –  Jon Morgan

When should I purchase annual travel insurance?

You can purchase travel insurance any time of the year as it typically lasts 364 days after the date of purchase. However, many people start a new travel insurance annual plan at the beginning of the calendar year so as never to be left without one by forgetting when to renew.

Do I need to know how many trips I will take before I buy annual travel insurance?

You typically aren’t required to give all your destinations when signing up for an annual travel insurance plan. However, regarding price, single travel insurance plans can be cheaper and more comprehensive. Therefore, we recommend annual travel insurance if you take at least four or five separate trips each year. Ultimately, these yearly travel insurance plans are geared toward jetsetters, expats, and business travelers.

What is the difference between annual travel insurance and multi-trip travel insurance?

Annual travel insurance and multi-trip travel insurance are essentially the same thing. Annual travel insurance typically lasts for up to 364 days, whereas some multiple-trip plans last for a shorter duration. Make sure to compare travel insurance plans that make sense for how long and how often you plan to travel.

What companies offer annual travel insurance?

Top providers that offer annual travel insurance plans include Allianz, GeoBlue, HTH Travel Insurance, IMG, Seven Corners, and WorldTrips.

Do you have to pay all at once?

Annual trip insurance plans require you to pay a single premium all at once. However, this means you shouldn’t have to pay any more travel insurance premiums for up to one year.

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade.

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.

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Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At the LA Times Compare our mission is to help our readers reach their financial goals by making smarter choices. As such we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information to all readers. Learn how we are compensated by our partners.

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Multi / Annual Trip  Travel Insurance

Annual Travel Medical Insurance Plans

These policies cover you for the period of one full calendar year beginning on the effective date you enter when purchasing coverage. Annual plans provide protection for unlimited trips over the course of the year and cover you for up to 30, 45, 60 and 70 days per trip (depending on the plan you purchase). You must return home between trips.​

Most multi-trip/ annual plans primarily provide travel medical and emergency evacuation coverage or emergency medical evacuation coverage only. This means that the standard coverages offered in comprehensive travel insurance plans are usually not included in these plans (trip cancellation, trip interruption, travel delay, etc.). Some annual/ multi-trip plans do include limited baggage loss coverage – but not all. 

Recommended Plans

Geoblue  trekker annual plan (for us citizens and residents).

GeoBlue Trekker Multitrip Annual Plan Americans traveling overseas multiple times annually $1,000,000 medical limit. $500,000 medical evacuation benefit. Coverage of COVID-19 testing and treatment. Covers pre-existing conditions for medical services and medical evacuation. Unlimited trips outside the U.S. in a 12 month period (70 days max. per trip). Requires a primary health plan

Underwritten By: United States Fire Insurance Company

Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724

Seven Corners Travel Medical Annual Multi-Trip

 seven corners travel medical — annual travel insurance, annual travel insurance with coronavirus coverage., includes 24 hour multilingual travel assistance, help finding a doctor, and evacuation if necessary., seven corners travel medical annual multi-trip  also includes $1 million of additional coverage for emergency medical evacuation and repatriation., purchase coverage once a year and travel as often as you like for unlimited trips up to 30, 45, 60 days per trip.

AM Best Rating  A (Excellent)

Underwriter:  lloyd’s, london.

Patriot Multi Trip

Annual multi-trip travel medical insurance for individuals, families and groups

Deductible of $250

Maximum limit of $1,000,000

Coverage for multiple trips up to 30 or 45 days

Flexibility to travel as many times per year

AM Best Rating   A+

Globally recognized underwriters

 A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's

HTH Multi / Annual Trip

Americans traveling overseas multiple times annually

$1,000,000 medical limit.

$500,000 medical evacuation benefit.

Coverage of COVID-19 testing and treatment.

Covers pre-existing conditions for medical services and medical evacuation.

Unlimited trips outside the U.S. in a 12 month period (70 days max. per trip).

Requires a primary health plan; however, the primary plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.

Safe Travels Basic Annual

Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness.  COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness.  Coverage starts the day after purchase. 

Covers US CITIZENS/US RESIDENTS ONLY  Not available in Florida, Washington & New York

Underwritten by:  Nationwide

Safe Travels Deluxe Annual

The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. 

Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York

Safe Travels Executive Annual

The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. 

Do you enjoy going on vacations with your family? Have you been itching to travel to your dream destinations? Before you pack your bags and buy your plane tickets, you should take a moment to learn about travel insurance.

There are several types of travel insurance packages that are suited for various travellers, including multi-trip travel insurance (also known as a multi-trip annual plan).

Multi-trip annual plans are incredibly beneficial for travellers that go on several trips or vacations per year. But how exactly does this unique type of coverage work, and why is it so beneficial for travellers?

Continue reading to find out.

What is multi-trip travel insurance in Canada? — An in-depth guide

A multi-trip annual plan is a unique type of travel insurance plan that caters to travellers that enjoy going on multiple trips per year.

Unlike single-trip travel insurance (which only provides coverage for one vacation or trip), multi-trip travel coverage protects you and your family for an entire year’s worth of excursions.

Instead of re-applying for (or worse, going without) a travel insurance policy, you can make the process quicker and easier by opting for a multi-trip annual plan. Multi-trip annual plans automatically protect you and your (listed) family members whenever you go on a vacation, so you never need to worry about what could happen during your trip.

How does multi-trip travel insurance work?

Finding the right multi-trip annual plan is relatively straightforward, especially once you’re familiar with the process. When you reach out to your insurance broker or Surex insurance advisor, you’ll be asked to estimate the average length of your upcoming trips.

You’ll then be asked if you'd like to include any non-medical add-ons (we’ll go over these add-ons shortly) or if you would prefer to stick with emergency medical coverage.

Lastly, you’ll be asked if you want to include a deductible. Although these deductibles are optional, we highly suggest including one in your plan. For example, if you choose an optional deductible that requires you to pay some of the upfront costs, your travel insurance provider will reduce the price of your coverage. Be sure to keep this in mind before committing to a multi-trip annual plan.

5 add-ons for long-term travel insurance in Canada

One of the most attractive aspects of buying a multi-trip annual plan is its level of customization. Travellers can customize their plans to meet their needs by including one (or more) add-ons to their policies. 

The most common multi-trip travel insurance add-ons include:

• Trip interruption
• Trip cancellation and interruption
• Baggage loss, delay or damage
• Accidental deaths or dismemberment insurance
• Contact, adventure or extreme sports coverage

Contact your insurance broker or Surex insurance advisor to learn more.

Find the best travel insurance rates today.

How many days can you travel with a multi-trip travel plan.

The number of days that you can travel (while protected by your policy) will depend on the type of multi-day annual plan that you purchase. 

For example, some plans only protect travellers for four days (without an extension), whereas others protect travellers for as long as 30 days (without an extension). Some providers even offer plans that last as long as 180 days!

What are the benefits of buying a year-long travel insurance plan in Canada?

There are three primary benefits that come with investing in a multi-trip annual plan with a reputable travel insurance company. These benefits include:

• Travellers can save money
• Additional convenience
• More flexibility

#1 — Travellers can save money

Going on one vacation is expensive enough, but if you’re thinking about planning multiple trips within the next year, you’re probably looking for ways to save some money. Thankfully, you can save money on travel insurance by opting for a multi-trip travel insurance plan. As a rule of thumb, the more that you travel, the more money you save!

#2 — Additional convenience for travellers

Planning a family vacation is undeniably stressful, so it’s only natural that many travellers prioritize other tasks over getting travel insurance. Thankfully, when you get multi-trip travel coverage, you don’t need to look into travel insurance before each trip. Instead, you can spend more time planning and packing for your upcoming adventure.

#3 — Additional flexibility

As mentioned earlier, your insurance broker or advisor will ask you to estimate the average length of your trips. If you happen to go over your estimation, it’s no problem — all you need to do is contact your travel insurance provider and ask for an extension. Having this additional flexibility ensures that you and your family members are safe during your getaway.

Who should purchase a multi-trip annual plan?

Practically anyone who travels more than once per year can benefit from investing in a multi-trip travel insurance plan. 

That being said, there are certain types of travelers who can get more use out of this type of insurance than others.

Our experts suggest investing in a multi-trip annual plan if you:

• Travel to the US during the winter months
• Regularly travel for work
• Work remotely (multi-trip travel insurance is ideal for “digital nomads”)
• Regularly go on multiple vacations by yourself or with family members

Who offers travel insurance for multiple tips in Canada?

Several travel insurance companies offer multi-trip annual plans for travellers in Canada. At Surex, our travel insurance partner is Tugo , one of the top-rated travel insurance providers in the country. 

If you’d like to learn about the insurance plans that Tugo (or any of our other trusted insurance partners) has to offer, you can always reach out to your Surex insurance advisor.

Save up to 25% when you bundle multiple policies with your Surex insurance advisor today!

Whether you need home insurance, auto insurance, or travel insurance, you can start your journey by comparing quotes with your Surex insurance advisor.

At Surex, we work with a variety of the best insurance companies in Canada, which makes it easier for policyholders to find a product that meets their budget, needs and lifestyle. 

Contact one of our team members today to learn how we can help you save as much as 25% when you bundle more than one policy with one of our carriers.

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Annual Travel Insurance

All of your holidays covered in one go.

Cover for every holiday you take in a year (up to 31 days at a time).

5 Star Travel Insurance from Admiral

5 star rated platinum level travel insurance.

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

Take out the hassle of arranging insurance for every trip

If you take to the skies regularly, an annual policy could be just what you're looking for. It takes out any hassle of arranging insurance for every trip; simply sit back and relax knowing that all your holidays within the year are covered with Admiral Travel Insurance.

Admiral's Annual Multi-Trip Travel Insurance can insure you for destinations almost anywhere in the world, and for a range of activities including snorkelling, windsurfing and sea kayaking.

And if you travel more than once a year, annual cover could be more cost effective for you than a single trip policy.

You may also be able to add Winter Sports , Cruise or Gadget Cover .

What benefits do I get with Admiral's annual cover?

• Unlimited travel for up to 31 days per trip
• Medical Emergency Cover
• Legal Liability
• Legal Protection
• Personal Belongings Cover

Annual, multi trip travel insurance is perfect for regular holidaymakers and it can cover you whether you're in the UK, Europe or Worldwide .

What level of cover do I need?

Just like Admiral Single Trip Insurance , three levels of cover are available - Admiral, Admiral Gold or Admiral Platinum Cover - on our annual, multi-trip policies.

Here is a small sample of the benefits included with each level of cover. You can read the full list in the policy summary booklet .

If you fancy the adrenaline rush of a skiing holiday, or you're taking to the seas on a cruise, you’ll need to add on our winter sports cover upgrade or cruise upgrade to your policy as without these, your trip won’t be covered at all.

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance.

Exclusions include:

• Pre-existing conditions you don’t tell us about
• The pre-existing conditions of a relative not on your policy
• Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
• Anticipated events
• Coronavirus
• Travelling against FCDO or medical advice

You can read the full list of exclusions in our policy documents .

Do I need travel insurance if I have a European or Global Health Insurance Card?

Yes, you do. The EHIC (if still in date) isn't a substitute for medical and travel insurance; it entitles you to state-provided healthcare that may become necessary during your holiday in the UK and European Economic Area (but no longer in Iceland, Liechtenstein, Norway or Switzerland).

In some cases it will cover all or part of your costs for medical care, but it won't cover expensive needs such as airlifting from ski resorts or repatriation. The same applies for the new Global Health Insurance Card (GHIC) which you can apply for once your EHIC has expired.

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

What happens if my holiday is cancelled?

In the unfortunate event your holiday is cancelled, you will be covered for certain reasons for cancellation with Admiral Travel Insurance. Depending on the level of cover you choose - Admiral, Admiral Gold or Admiral Platinum Cover - you could receive up to £5,000 to cover the costs of your trip.

How do I get a quote?

Hit the green button above or call 0333 234 9913 to speak to a member of our team.

Your questions answered

We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.

Does annual travel insurance cover UK holidays?

Your Admiral policy will cover trips to: 

• Northern Ireland
• The Isle of Man
• Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.    

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

• Admiral: up to £10m
• Gold: up to £15m
• Platinum: up to £20m  

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Family Travel Insurance

Student travel insurance, travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

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Private client group.

Policyholders in the U.S. can make online payments.

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Access workers’ compensation claims information, including FAQs, payments, prescription data, doctor information, and more.

Report a Claim

Report Aerospace, Commercial Auto, General Liability, Property, and Workers’ Compensation claims.

Dental, Group Life, and AD&D Claims

Employers and employees can access claim forms, claim reports, and information on claim status.

IntelliRisk Advanced

Clients and brokers can file claims, manage risks, and access claims data from 100+ countries.

myAIG Client Portal for Multinational

Track the status of controlled master programs, view policy details, download policy documents, access invoices, and more.

AIG Multinational Insurance Fundamentals

Receive free, accredited online training in multinational risk assessment and program design.

Brokers & Agents

Myaig portal for north america.

Generate loss runs, download policy documents, access applications and tools, and more.

myAIG Portal for Multinational

U.s. producer appointment and licensing.

Submit requests to become an AIG appointed brokerage/agent, expand or terminate your current AIG appointment.

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AIG Travel Guard

Get a quote in less than two minutes and travel with more peace of mind.

Travel Guard Plans

Compare coverage levels and pricing on our most popular plans with our product comparison tool—and find a Travel Guard plan that’s right for you. 

Deluxe Plan

Our top-of-the-line, comprehensive travel coverage that sets the standard.

Preferred Plan

A comprehensive travel plan with superb coverage and service from start to finish.

Essential Plan

Savvy coverage for the budget-minded traveler.

Pack N' Go Plan

Immediate coverage for unplanned trips and adventures

Annual Travel Insurance Plan

Year-round coverage for your travel investments.

Millions of travelers each year trust AIG's Travel Guard to cover their vacations

Travel insurance plans provide coverage for certain costs and losses associated with traveling. Travel Guard ® helps you navigate canceled flights, lost bags, sudden health emergencies, and much more—almost anywhere in the world. Whether you’re planning a two-day getaway, a cruise, an adventure vacation, or a month-long international holiday, our plans help cover travelers and their trip inverstments.

Education Center

Sort through common questions about travel insurance

Traveler Resources

Safety information and travel tips for travelers

Preparing travelers wherever their journey takes them

AIG Travel CEO Jeff Rutledge shares how the underlying risks of travel have changed and what AIG is doing to help companies and individuals manage risks.

Coverage available to residents of U.S. states and the District of Columbia only. These plans provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of each policy with your existing life, health, home, and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc .(Travel Guard). California lic. no. 0B93606, 3300 Business Park Drive, Stevens Point, WI 54482,  www.travelguard.com.  CA DOI toll free number: 800-927-HELP.

This is only a brief description of the coverage(s) available. The policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Ave of the Americas, Floor 41, New York, NY, 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.

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Squaremouth is dedicated to incredible customer service.

You can quickly purchase a policy for your trip online. If you have questions about buying a travel insurance policy, please contact our customer service team at 1-800-240-0369. Licensed customer service representatives are available 8AM to 10PM ET Daily.

If you already have a travel insurance policy and have questions about your coverage, need to modify or cancel your policy, please contact your travel insurance provider directly. You can find your provider contact information here .

If you are currently traveling and need emergency assistance, or need to file a claim, please contact your travel insurance provider. You can find the direct contact information for your travel insurance provider here .

Contact Customer Service

Expert, licensed customer service representatives are available 8AM to 10PM ET Daily

U.S. Customer Service Number: 1-800-240-0369

International Customer Service Number: 727-564-9203

Customer Service Email: [email protected]

Was your travel insurance claim denied?

Every policy purchased through Squaremouth comes with our unique Zero Complaint Guarantee

If you are unhappy with how your travel insurance claim is handled, our team of licensed claims adjusters will investigate your case and mediate with the provider on your behalf.

To open a Zero Complaint case, please fill out our Zero Complaint form, and we will send you a link to schedule an interview with a member of our team.

Press & Media

Press Inquiries: [email protected]

Claims & Assistance

If you are currently traveling and need emergency help, or if you need to file a travel insurance claim, please contact your provider directly. We recommend having your policy number available.

Helpful Topics

• Covid-19 Coverage Information
• Destination Information
• Squaremouth's Help Center
• Travel Insurance Benefits
• Provider Reviews
• Zero Complaint Guarantee
• Work at Squaremouth

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• Compare policies from every major travel insurance provider
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Our Location in Ireland

Please note that our phone lines will be down from 4pm today, 6th november to facilitate our office relocation to a new bigger premises and will re-open saturday 7th november at 1pm. our websites will still operate as normal and continue to work without disruption. we apologise for any inconvenience and thank you for your patience..

Dublin Office

• Multitrip.com
• Suite 7-8, Plaza 255
• Blanchardstown Corporate Park 2
• Blanchardstown, Dublin 15.
• Tel: 0818 444 444
• Tel: 01 4854 114
• Email: [email protected]

If you have a complaint about the sale of your policy or our website , please contact us on [email protected] .

We will do our best to resolve your complaint within 40 business days of receipt of your initial complaint. If we are unable to resolve your complaint you may refer the matter to the Financial Services and Pensions Ombudsman ( https://www.fspo.ie/ ). If you purchased your policy online, you will also be able to use the EC On-line Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr/main/ who will notify the FSPO on your behalf. Our full Complaints Procedure is available on request.

For all other complaints (including about Claims) , please refer to the Complaints Procedure of your policy wording.

How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses.