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Multi Trip Insurance
If you are a frequent traveler, who makes multiple trips overseas, you might consider buying international Multi trip plans. Multi Trip plans are a lot more convenient to use and manage, if you have plans of taking multiple trips in a year. 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. You can choose 30 days or 45 days, as the length of coverage for each trip.
Multi- Trip plans offer similar kinds of coverage as single trip international medical insurances. 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 trip throughout the year.
Groups of 5 or more travelers may consider getting a multi trip group insurance. To learn more visit Multi trip group insurance
Advantages and Disadvantages of Multi Trip Travel Insurance
It is 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 people don't have to worry about sorting out a new plan every time they take a last minute break or go away at short notice. As long as they meet the terms and conditions of their policy they have insurance protection for the entire year.
This kind of policy might not be appropriate for you if you are 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, 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.
Multi-trip plans that offer medical coverage for International Travelers include:
- Tokio Marine HCC: Atlas Multi-Trip insurance
- International Medical Group (IMG):Patriot Multi-Trip Insurance
AM Atlas Multi Trip
- Plan pays 80% of the first $5,000 100% after that to the selected 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.
PMT Patriot Multi-Trip
- 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.
Facts and Important Things to Know:
- Multi trip insurance helps you to save cost
- Provides you with better coverage
- Is easier to manage the policy and less paper work
- Involves less efforts as an umbrella policy cover you for whole year also
If you have any questions about Multi Trip Insurance, contact one of our licensed Insurance Consultants at support@visitorscoverage.com.
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