Annual Travel Insurance Plans
One policy. Unlimited trips. Medical, evacuation, and customizable trip protection for all the trips you’ll take this year.
Annual Plan Details
If you’re a frequent traveler, an annual travel insurance plan can simplify your life and save you money. Instead of buying separate coverage for every vacation, business trip, and weekend getaway, you can maintain ongoing protection throughout the year with a single plan.
Annual travel insurance covers emergency medical expenses, emergency medical evacuation, travel delay, and baggage protection. You can also add coverage for trip cancellation and trip interruption benefits.
For travelers taking several trips a year, an annual plan can provide convenient, year-round travel protection without the need to repeatedly shop for a new policy before every departure.
What is Annual Travel Insurance?
Annual travel insurance, or multi-trip travel insurance, is a policy that covers all of the trips taken within a 12-month coverage period.
Rather than buying a separate travel insurance policy for each trip, you can purchase one annual plan that covers all eligible trips throughout the year. Coverage generally resets for each trip, as long as you return home between journeys.
Annual plans are especially popular with:
- Frequent leisure travelers
- International travelers
- Business travelers
Most annual plans focus primarily on medical and emergency-related benefits, rather than prepaid trip reimbursement. But upgrades can add trip cancellation and trip interruption benefits.
|
Intrip Annual Travel Insurance Plan Highlights |
| Medical Limit | Travel Delay | Trip Cancellation | Baggage Loss |
| $10,000 plus $50,000 for medical evacuation; $25,000 and $250,000 for evacuation with Deluxe upgrade | 5+ hours $100 per day $200 max; $500 per day with Deluxe upgrade | None in base plan; Up to $10,000 with Trip Cancellation upgrade | $500 $250 per article |
*Plan details are for general information purposes only. Coverage may vary, and it is secondary to coverage under all other insurance. Coverage amounts are per person and per trip.
How Does an Annual Travel Insurance Plan Work?
An annual travel insurance plan works by providing ongoing coverage for trips taken during the policy term, typically one year from the effective date.
Once you buy the annual policy, eligible trips are automatically covered without needing to buy separate insurance each time you travel. Coverage generally applies as long as each trip falls within the plan’s maximum trip length requirements, such as 45 consecutive days, and you return home before starting another trip.
The Intrip annual plan offers:
- Emergency medical coverage
- Emergency medical evacuation
- Travel delay benefits
- Baggage and personal effects coverage
- Travel assistance services
Optional add-ons provide additional benefits, such as:
- Trip cancellation and trip interruption
- Higher limits for emergency medical and evacuation
- Higher limit for travel delay
Optional upgrades can help you expand protection for prepaid, nonrefundable trip expenses.
What Does Annual Trip
Insurance Cover?
Annual travel insurance plans include a combination of medical, emergency, and travel-related protections.
Benefits include:
- Emergency accident and sickness medical expense
- Emergency medical evacuation and repatriation
- Accidental death and dismemberment
- Baggage loss and baggage delay
- Travel assistance services
Intrip Annual also offers optional trip cancellation and interruption benefits for covered reasons, to reimburse you for eligible non-refundable trip costs when your plans unexpectedly change.
Does Annual Travel Insurance Cover Cancellations?
Annual travel insurance can cover trip cancellations if you add optional trip cancellation coverage to your plan. When added, it reimburses prepaid, non-refundable trip expenses if you cancel your trip, or head home early, for a covered reason listed in your policy.
Covered reasons can include:
- Illness, injury, or death of you, a family member, your business partner, or your traveling companion
- Involuntary job loss
- Mechanical breakdown of your common carrier
- Severe weather
- Strike of your common carrier that lasts more than 12 hours
- Traffic accident en route to the airport
Read your policy carefully to understand the covered reasons and exclusions for trip cancellation and interruption benefits.
Does it Cover Trips Already Booked?
Yes, all trips with scheduled return dates within your annual policy’s effective period are covered. Your coverage stops when the policy ends at the end of the year, or when a single trip exceeds the covered limit, such as 45 consecutive days.
Review your annual policy carefully to understand your coverage.
Does Annual Travel Insurance Cover Cruises?
Yes, an annual plan can be used for cruise travel insurance.
Medical and emergency evacuation benefits generally apply during cruise travel just as they would for land-based trips. This can be especially important because onboard medical care and emergency evacuations at sea can be expensive.
However, coverage for the prepaid cost of the cruise itself requires adding optional trip cancellation benefits. Without this upgrade, the plan will not reimburse nonrefundable cruise expenses if you need to cancel your trip, or cut it short and head home early.
If you’re planning a cruise, review your annual plan carefully for coverage related to missed connections, itinerary changes, and travel delays.
InsureMyTrip’s 3 Most Important Things to Know about Annual Travel Insurance
1
Year-Round Coverage for Unlimited Trips
Annual travel insurance gives you one policy that protects every eligible trip you take throughout the year. No need to buy coverage repeatedly. This may interest you because it saves time, simplifies planning, and ensures you’re never caught traveling without protection.
2
Emergency Medical & Evacuation Protection Abroad
A big concern if you’re a U.S. traveler is your domestic health insurance usually doesn’t cover you internationally. Annual plans fill that gap with emergency medical and evacuation coverage, for whenever you travel, without having to think about it.
3
Optional Annual Trip Cancellation Coverage (Up to $10,000)
Unlike many multi-trip plans, this one lets you add year-round cancellation/interruption coverage, including unique benefits like pet-related cancellation. Travelers value this because it protects prepaid, nonrefundable trip costs for any eligible covered trip during the year, not just one, making it a smart upgrade for anyone booking multiple vacations.
Pet Emergency Protection
This annual travel insurance plan offers pet-related protection when travelers add the optional trip cancellation upgrade.
Here’s what pet coverage includes:
Trip Cancellation
When optional trip cancellation coverage is included, the plan reimburses your prepaid, nonrefundable trip costs if you need to cancel because your cat or dog becomes critically ill or passes away within 30 days of your departure date.
The condition must be certified by a veterinarian and occur within the timeframe outlined in the policy.
Trip Interruption
Trip interruption benefits are also included with the optional trip cancellation upgrade.
If you’re on a trip and your cat or dog becomes critically ill or passes away, you may be able to interrupt your trip and return home early.
Eligible unused, nonrefundable trip expenses may be reimbursed if the event meets the policy’s covered reason requirements and is verified by a veterinarian.
Prepaid Trip Costs
Both trip cancellation and trip interruption benefits are designed to help protect your nonrefundable trip costs, so you’re not dealing with financial loss on top of a stressful situation with your pet.
What people are saying about InsureMyTrip
Representative was extraordinarily helpful. No questions were not answered and she was knowledgeable about the different policies offered.
– Daniel S
Easy to make a comparison of different travel insurance policies in order to make an informed decision
– Joe P
Very easy, quick, helpful. I was able to compare many quotes for travel insurance and I was able to get more coverage at half the price of what my tour company offered.
– Irene A
Frequently Asked Questions
Question
Is an annual plan based on calendar year? or if I would buy in February would it be a rolling 12 months?
By Julie – January 27, 2018
Answer
The annual medical policies go into effect on the departure date for your first trip, and the policy expires one year later from that date. You are covered for all trips outside of your home country throughout the year, as long as you do not go over the maximum amount of days the policy allows for each trip.
By MattG – January 30, 2018
Question
Do you have a policy that is ok to cancel and any time for no apparent reason and get the full money back? i’m inquiring for numerous business class travelers.
By LindaT – July 17, 2018
Answer
We have policies that offer Cancel For Any Reason, the maximum refund offered for this benefit it is 75% of the total trip cost. There are typically 3 conditions that must be met to purchase a Cancel For Any Reason Rider: Purchase the policy within 10 – 21 days of First Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; Trip arrangements must be canceled more than 48 -72 hours prior to the departure date. If you meet all 3 of these conditions, this benefit will typically reimburse you 75% of your trip cost, unless otherwise noted.
By MattG – July 18, 2018
Question
I plan to make multiple trips how can I get a quote for the annual coverage (mainly for medical and medical evacuation) I travel to multiple countries on a single trip, the quote request form does not allow me to enter more than one country per trip.
By Angela – September 6, 2018
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please select the medical tab and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage.
By MattG – September 8, 2018
Question
Are annual plans available for U.S. residents travelling in the U.S.?
By Lorene – July 7, 2019
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 90 days per trip with most plans. These plans do not provide any coverage for domestic travel, unfortunately.
By MattG – July 8, 2019
Question
How do I get a quote for annual? All of 2021. Multiple destinations.
By BarbaraB – October 24, 2020
Answer
We do provide annual policies, however they are medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage. If you were looking for Trip Cancellation and other travel protection benefits, that has to be purchase on a per trip basis, keep in mind.
By MattG – October 26, 2020
Question
In addition to the annual coverage, could I buy a trip cancellation only policy for each trip? I plan about doing 4 trips in the year.
By KarenP – May 31, 2021
Answer
Yes, you can obtain an annual multi-trip medical policy and in addition you can purchase single trip comprehensive policies for each trip if you needed trip protection as well.
By MattG – June 2, 2021
Question
I did ‘request a quote’ but it asks departure date and return. We’ll, we have multiple trips. How can I get a quote for annual policy?
By MariaL – September 1, 2021
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage.
By MattG – September 4, 2021
Question
Want to view annual travel plans – cant figure out how to navigate as it appears they are asking me where am I going for specific trip not annual – need help?
By JohnM – October 30, 2021
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage. Typically, these policies are only available for quoting or purchase within six months of the departure date.
By MattG – November 3, 2021
Question
I filled out the form for a quote but it keeps asking me where I’m going and what day am I leaving. If it’s for an annual policy I’m planning on going multiple places. How do I fill out the form to get a quote?
By MariaL – March 11, 2022
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage.
By MattG – March 12, 2022
Question
How do you buy an annual policy online?
By ThomasP – July 1, 2022
Answer
We do provide annual medical policies for trips that take place outside of your home country. Typically, the trips cannot be longer than 70 days per trip with most plans. To obtain a quote, please fill out the quote form with your very first trip’s details and once you arrive on the results page, please click on the button labeled “medical” on the bottom left and view our plans that are labeled “multi trip”. Our multi-trip medical plans provide both medical and medical evacuation coverage.
By MattG – July 6, 2022