HTH Multi Trip Travel Insurance starts at just $145/year for Gold (coverage up to $500,000) and $203/year for Platinum (coverage up to $1,000,000) both covering unlimited international trips for 365 days. to HTH Annual Travel Insurance starts at just $145/year for Gold (coverage up to $500,000) and $203/year for Platinum (coverage up to $1,000,000) both covering unlimited international trips for 365 days.
| Age Group | Multi Trip Gold | Multi Trip Platinum |
|---|---|---|
| 18 - 49 years | $145/year | $203/year |
| 50 - 59 years | $184/year | $267/year |
| 60 - 69 years | $217/year | $299/year |
| 70 - 84 years | $276/year | $377/year |
| 85 - 95 years | $465/year | $646/year |
Multi trip travel insurance, also known as annual travel insurance, is a single policy that covers all your international trips within a 12-month period. Instead of purchasing a new travel insurance plan every time you travel abroad, you buy one annual plan and stay covered for the entire year no matter how many trips you take.
This type of plan is ideal for frequent international travelers, business professionals, retirees, and seniors who travel abroad more than twice a year. With one affordable annual premium, you get continuous medical protection for every trip without the hassle of repeated purchases.
BlueCross BlueShield Global Solutions offers two annual multi trip travel insurance plans for US residents traveling internationally the Multi Trip Gold and the Multi Trip Platinum. Both plans are designed for frequent travelers who want reliable year-round medical protection abroad, backed by the trusted BlueCross BlueShield global network in over 190 countries.
Both plans share these core features:
The key difference between the two plans is the level of coverage and additional benefits the Gold plan offers solid core protection at an affordable price, while the Platinum plan provides higher coverage limits and premium additional benefits for travelers who want the best protection available.
HTH Multi Trip Gold is an affordable annual travel insurance plan designed for US residents who travel internationally multiple times a year. It offers strong core medical coverage with pre-existing condition benefits, making it an excellent choice for budget-conscious frequent travelers and seniors who want reliable protection without a high annual premium.
Key Features of HTH Multi Trip GoldThe Gold plan is ideal for travelers who want solid annual medical coverage at an affordable price. It is particularly well suited for budget-conscious frequent travelers, retirees, and seniors over 70 who want pre-existing condition coverage and reliable emergency protection without paying for premium add-ons they may not need.
HTH Multi Trip Platinum is the premium annual travel insurance plan from BlueCross BlueShield Global Solutions, offering higher coverage limits, a lower deductible, and additional benefits not available under the Gold plan. It is designed for frequent travelers who want the most comprehensive annual medical protection available, including coverage for hazardous activities, lost baggage, and accidental death and dismemberment.
Key Features of HTH Multi Trip PlatinumThe Platinum plan is ideal for travelers who want the highest level of annual travel medical protection available. It is best suited for frequent international travelers, business professionals, adventure travelers, and seniors who want premium coverage with lower out-of-pocket costs and additional benefits like lost baggage and hazardous activity coverage.
HTH Multi Trip Gold and Platinum plans both offer annual coverage for frequent travelers, but they differ in cost, coverage limits, and additional benefits. The table from American Visitor Insurance highlights the key differences.
| Feature | Multi Trip Gold | Multi Trip Platinum |
|---|---|---|
| Annual Cost | Starts at $145/year | Starts at $203/year |
| Medical Coverage (Under 70) | $500,000 | $1,000,000 |
| Medical Coverage (70-95) | $200,000 | $200,000 |
| Deductible | $200 | $100 |
| Prescription Drugs (Outside U.S.) | 100% up to $2,500 | 100% up to $5,000 |
| Emergency Medical Evacuation | $250,000 | $500,000 |
| Dental (Pain Relief) | Up to $100/trip | Up to $300/trip |
| AD&D Coverage | Not included | Up to $25,000 |
| Lost Baggage | Not included | Up to $500/trip |
| Repatriation of Remains | $15,000 | $25,000 |
| Pre-Existing Conditions | Covered (with primary plan) | Covered (with primary plan) |
| Max Trip Duration | 70 days | 70 days |
Gold is ideal for travelers looking for affordable, essential coverage, while Platinum is better for those who want higher medical limits and added travel benefits.
Both Multi Trip Gold and Platinum plans are excellent choices for annual multi-trip coverage, offering unlimited trips per year with up to 70 days per trip. The right plan depends on whether you prioritize affordability or higher coverage and added benefits.
Yes. Both HTH Multi-Trip Gold and Platinum plans cover pre-existing conditions if you have a qualifying U.S. primary health insurance plan. Without a primary plan, coverage is limited, but emergency evacuation and related benefits are still included in all plans
Both plans cover unlimited international trips within a 364-day policy period. Each individual trip can last up to 70 days. There is no cap on the number of trips you can take during the policy year.
Yes. Both HTH Multi Trip Gold and Platinum are available for travelers up to age 95. For travelers aged 70-95, the maximum medical benefit is $200,000 under both plans, with emergency evacuation coverage up to $500,000.
Yes. Both the Gold and Platinum plans require enrolees to have a primary health insurance plan. This is a key eligibility requirement that also enables pre-existing condition coverage under both plans.
No. Both plans must be purchased before departing from your home country. Always purchase your plan before your first trip begins to ensure full coverage from day one.
Yes. HTH Multi Trip Platinum includes coverage for certain hazardous activities such as downhill skiing and scuba diving at depths of up to 20 meters, up to $25,000. The Gold plan does not include this benefit.
Yes, in most cases. If you travel internationally two or more times a year, an annual multi trip plan is significantly more cost-effective than buying a separate policy for every trip. HTH Multi Trip Gold starts at just $145/year, covering unlimited trips for 12 months.
Yes. Family members can be added to both plans. Children under age 26 are eligible, and disabled children over age 26 may qualify with physician documentation. Children under age 6 must enroll with a parent or guardian.
Both HTH Multi Trip Gold and Platinum offer excellent annual travel medical coverage for US residents who travel internationally multiple times a year. Backed by the trusted BlueCross BlueShield Global Solutions network in over 190 countries, both plans provide unlimited trip coverage, pre-existing condition benefits, and emergency medical evacuation all under one convenient annual policy.
If you are looking for affordable annual travel insurance with solid core medical benefits, the Multi Trip Gold plan starting at $145/year is an excellent choice. If you want the highest level of protection with a lower deductible, higher coverage limits, and premium add-ons like AD&D, lost baggage, and adventure activity coverage, the Multi Trip Platinum plan starting at $203/year offers unmatched value for comprehensive travelers.
Although both HTH Multi Trip Gold and Platinum are secondary insurance plans, you do not need to file with your primary insurer first. HTH Global Solutions will process and pay your claims upfront as a primary payor. However, they reserve the right to coordinate benefits with your primary health insurance company where applicable.