If you're a frequent traveler and have plans to take multiple trips in a year, you might consider buying an international multi-trip insurance plan. A multi-trip insurance plan (short for multiple trip travel insurance) is a lot more convenient to use and manage because it saves you the hassle of buying the plans separately for each individual trip. You can take as many trips as you want in a year and you can choose 30 days or 45 days as the length of coverage for each trip.
Annual multi-trip travel insurance plans offer similar kinds of coverage as single trip international medical insurance. Along with medical coverage, these also cover for medical evacuation and repatriation. The advantage is that the same policy can cover you for multiple separate trips throughout the year.
Groups of 5 or more travelers may consider getting a multi trip group insurance. To learn more about the plans that VisitorsCoverage offers, visit our multi trip group insurance page.
Advantages and Disadvantages of Travel Insurance for Multiple Trips
It's good to buy a multi-trip plan if you know you have to take more than two trips in a year. With a multi-trip policy, you don't have to worry about sorting out a new plan every time you take a last minute flight or leave on short notice. As long as you meet the terms and conditions of your policy, you have insurance protection for the entire year.
This kind of policy might not be appropriate for you if you're not sure that you are definitely going to take at least two trips in a year.
Also, multi trip policies are usually restricted to a 30 or 45 days for each individual trip. If you plan to take longer trips (often the case for long-term frequent travelers, such as digital nomads), you may need to pay extra to buy more days to extend the coverage. This could take away from any cost savings that you initially made. In some cases, it may be better to opt for a single trip option instead of multi-trip.
Below are two multi-trip plans that offer medical coverage for international travelers.
Patriot Multi-trip
Underwriters : Sirius Specialty Insurance Corporation- In-network plan pays 90% up to $5,000, then 100% up to policy maximum.
Out-network plan pays 80% up to $5,000, then 100% up to policy maximum.
- Plan pays 100% up to policy maximum.
- Illness and Injury Medical expense coverage up to the policy maximum
- Emergency medical evacuation up to the policy maximum
- Accidental Death and Dismemberment (AD&D)
- Acute onset of pre-existing conditions up to $5,000
- Family Travel Benefit
- Adventure Sports Rider up to $50,000
- Evacuation Plus Rider up to $25,000
- For those traveling outside of their home country with each individual trip maximum length being either 30 days or 45 days in length.
Atlas Multi-trip
Underwriters : Lloyd's of London- After deductible, the plan pays 100% up to the policy maximum.
- Plan pays 100% to the selected policy maximum.
- Illness and Injury Medical expense coverage per certificate period
- Emergency Medical Evacuation and Repatriation Expense
- Accidental Death & Dismemberment (AD&D)
- Repatriation of Remains Expenses
- Family Travel Benefit
- Acute onset of pre-existing conditions up to $5000
- Terrorism Rider
- For those traveling outside of their home country with each individual trip maximum length being either 30 days or 45 days in length.
Facts About Multi-trip Insurance
- Helps save you money
- Provides you with better coverage
- Is easier to manage and less paper work than buying separate plans
If you have any questions about Multi-trip Insurance, contact our Customer Success Team.
Visit our extensive knowledge center to read and understand about Visitor Insurance.
