Multi trip travel insurance for US citizens and US residents with a Primary Health Care Plan

An overview

US citizen annual multi trip travel insurance

Compare and buy Travel insurance for Annual multitrip

One type of travel medical insurance policy available to US citizens is a multi-trip plan. This type of plan is purchase annually and cover multiple trips ranging from 30 to 45 days long as often as needed during the course of the year. They require a person to have a primary health care plan and will generally only cover a person if they leave the country (but for Voyager Annual insurance which offers coverage within the country also, see details below).

These annual multi-trip plans are great options for businessmen, corporate employees, individuals and families who travel frequently throughout the year. People who live close to Canada or Mexico could benefit from the convenience of these plans since you don't have to purchase a plan for each individual trip.

If you get a plan with 30 day coverage, and you are out of the US on a trip, on day 31 you will no longer have coverage. Some multi trip travel insurance policy offer longer time periods (45 or 70 days), so be sure you get one that is appropriate for your situation. If you do live close by, then all you need to do is cross back into the US to "reset" your time window.

Apart from these multitrip travel insurance plans travelers should consider including Covid19 insurance cover. Travelling frequently during Covid19 pandemic is very risky and the surge of the new Omicron and Delta Variants are highly infectious and easily transmitted. To be safe travelers can choose a best travel insurance cover for Covid19.There are plans that offer coverage for quarantine and any trip cancellations due to coronavirus. cancellations due to coronavirus.
Here are some of the popular annual multi trip travel insurance policies:

Patriot Multi Trip Insurance is offered by International Medical Group and can be purchased for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The cost is based on an applicant's age and is available for persons under 76 years of age.

GlobeHopper multi trip insurance
It is an annual plan that offers coverage for senior citizens above 65 years taking multiple trips, each trip not to exceed 30 days. It offers a maximum coverage of $1 million for travelers up to 79 years and $100,000 coverage for travelers aged 80 years and above. Initial deductible that the insured has to pay is $250 per sickness/injury.
Atlas Multi-Trip insurance is offered by WorldTrips and can be purchase for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The cost is based on the applicant's age.

Wander Frequent Traveler is offered by Seven Corners for 30 or 45 day trip duration. It has a $1 million maximum with a $250 deductible. The policy is for 364 days total and is available until age 75. The cost of the policy is based on the applicant's age.
Note that the above three plans are available to non-US citizens or residents as long as they maintain health coverage in their own country and travel is outside their home country (it can be to the US or a different country). GeoBlue has a two tiered option called GeoBlue Trekker Essential and Choice. They are exclusively available to US citizens only. Both offer up to 70 days in trip duration. The Essential offers coverage up to $50,000 and the Choice up to $250,000 for medical expenses with a deductible of $50. It is available for persons up to 85 years old. This policy covers a pre-existing condition as any other medical condition. The cost of the policy is based on the applicant's age.
Voyager Annual Insurance is offered by Travel Insurance Services with a 30 day trip duration. It is unique in offering coverage within the US as well as abroad as long as the person is at least 100 miles away from home on a trip with a set start and end date. For many of us, our own insurance coverage may be extremely limited when we are outside our home states.

In that case, it can be risky to drive across the border for a ski trip or day at the beach if you know a serious injury or accident could cause a financial disaster for you and your family. The plan offers two levels of coverage: Silver and Gold. The Silver plan is between $90 and $400 per year (based on age) and the Gold plan is a set $330 per year per person. The plans will cover medical expenses, emergency medical evacuation, baggage delay and have an AD&D benefit.

US citizen annual travel insurance

US citizens and resident who are business people and working professionals travel overseas quite often and it is good to have international travel insurance.
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US citizen annual travel insurance – FAQs

What does visitors multi trip family travel insurance cover?

A visitors health insurance plan covers:

  1. Any new sickness or injury that occurs during the trip after the start of the policy.
  2. Accidents or illness occurred during the trip
  3. Medical emergencies and medical evacuation
  4. Cover for hospital treatment, doctor expenses and prescribed drugs
  5. Some plans cover acute onset of pre-existing conditions
  6. Dental emergencies (again offered by some insurance plans)

What does the visitor health insurance not cover?

  • Preventive care like routine health checks, physical examinations, inoculation, vaccination
  • Regular treatment for pre-existing conditions
  • Maternity coverage if conception occurs before purchase of visitor health insurance

Annual Multi Trip Travel Insurance – FAQs

  • IMG
    Patriot Multi Trip
  • geoblue
    GeoBlue Trekker Essential
  • WorldTrips
    Atlas Multi Trip
  • Seven -corners
    Wander Frequent Traveler Plus
Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

  • US Citizens under 76 years of age travelling outside United States.
  • Non US Citizens under 76 years of age travelling outside their home country.
  • The applicants must have a domestic health insurance policy and must maintain the domestic coverage while covered under Patriot Multi-Trip Insurance.
  • The applicants must travel frequently outside their home country annually.
Who can buy Trekker Essential plan?
Trekker Essential multitrip international medical insurance is popular among:
  • Leisure traveler
  • Business traveler
  • Early retiree/Medicare
  • Employers, Chamber of Commerce, retirement communities
  • Financial consultants
Following are some of the key benefits of buying Trekker Annual multitrip travel health insurance
  • Up to $250,000 international medical limit
  • Illness and accident
  • Emergency medical transportation
  • Supplemental coverage
  • An annual plan for multiple trips
  • Customer signs up online, at least 1 day prior to departure.
  • Sale is tracked to you when the customer uses your unique web link or brochure.
  • Welcome information is sent electronically or via mail. Member has instant access to their electronic ID card, claim forms and more.
  • Members are invited to register on the website, mobile site or app.
  • Buy once, travel all year. Travelers receive a renewal notice each year.
Is WorldTrips Travel Insurance Good?

WorldTrips offers a range of international travel insurance plans specifically considered for the needs of international travelers and students. WorldTrips travel insurance products are ideal for NON US citizens traveling to the US or outside their home country, for US citizens traveling outside the US and international students studying outside their home country. The Atlas America insurance Covid covers Coronavirus and acute onset of pre-existing conditions and is very popular with international travelers.

WorldTrips Covid19 travel insurance by Atlas MultiTrip travel insurance for coronavirus coverage will cover eligible medical expenses resulting from Covid19/SARS-CoV-2. Eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Atlas MultiTrip Insurance Covid19 travel insurance by WorldTrips for coronavirus will cover eligible medical expenses resulting from Covid19/SARS-CoV-2.

Does Wander Frequent Traveler Plus plan cover Covid19?

Yes. Wander Frequent Traveler Plus insurance offers Annual Travel Insurance with Covid19 Cover. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

The applicant must be aged between 14 years and 75 years at the time of applying.

Steps to buy
Best multi trip travel insurance online

 Step 1: Finding the available US multi trip travel insurance policy plans

Complete the travel insurance quote request form by providing details of the traveler and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your requirements and budget best by using a credit card and completing the online application.

Review the travel insurance policy documents received by email closely for coverage details and relevant contact numbers

Step by step travel insurance

Factors that determine the cost of US multi trip family travel insurance

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provides exhaustive coverage are more expensive than fixed benefit travel insurance..

Medical maximum coverage and deductible options

The price of travel health insurance is directly dependant on the maximum medical coverage and inversely dependant on the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Resourceful visitors medical insurance information

Travel medical insurance

Visitor insurance resources

Visitors travel insurance for medical emergency outside your home country.

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How to buy insurance

Visitors insurance factors

Important factors while deciding on the best travel insurance for USA.

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Types of insurance

Types of travel insurance online

Understanding different types of travel health insurance plans.

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Claims Procedure travel insurance

Travel insurance claims procedure

Travel insurance online claims process for getting medical care in a hospital.

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Covid multi trip travel insurance

These are certainly scary times for international travelers with regular corporate travelers being particularly vulnerable to the Covid pandemic. In this context it is important to buy the best annual travel insurance with Covid coverage.

If you are an international traveler without health insurance or if it will run out soon, do consider buying an alternative annual travel insurance with coronavirus coverage. At American Visitor Insurance we are committed to getting you the most appropriate international travel insurance covid policy you need even under these difficult circumstances.

Trawick Trawick International Covid19 yearly travel insurance Safe Travel Basic/Deluxe/Executive Annual provides annual comprehensive travel medical coverage for Covid19.
  • Available for US residents only up to age 81 years
  • Maximum trip length is 30 days per trip
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seven corners logo Seven Corners annual multitrip covid19 insurance Wander Frequent Traveler Plus covers frequent international travelers and provides Covid19 annual travel insurance
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30, 45, or 60 days per trip
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WorldTrips WorldTrips Coronavirus annual travel insurance Atlas Multi trip offers coverage for unexpected medical expenses, including eligible expenses related to Covid19
  • Available for both US and Non US citizens up to 75 years
  • Maximum trip length is 30 or 45 days per trip
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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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