If you are a frequent flier, a digital nomad, or someone who takes multiple international vacations a year, buying a new travel insurance policy for every single trip quickly becomes exhausting—and expensive.
Enter Annual Multi-Trip Travel Insurance.
How Annual Policies Work
Instead of covering specific travel dates, an annual policy covers every trip you take over a 365-day period, starting from the policy’s effective date. It provides the same baseline protections as a standard policy:
- Emergency medical coverage
- Medical evacuation
- Trip delay and baggage loss
The “Maximum Trip Length” Rule
The most important thing to understand about annual policies is the Maximum Trip Length. While the policy lasts for a whole year, each individual trip is usually capped at a certain number of days (commonly 30, 45, or 90 days per trip).
If you go on a 4-month backpacking trip, an annual policy won’t cover the whole thing. You must return to your home country before the maximum trip length expires to “reset” the clock for your next trip.
Annual vs. Single Trip: Which is Better?
As a rule of thumb, if you take three or more international trips per year, an annual policy will almost always save you money compared to buying three separate single-trip policies.
Ready to see how much you could save this year? Compare Annual Plans using our Quote Tool.