Compare Annual Travel Insurance Plans

Annual multi-trip plans are ideal for businessmen and regular overseas travelers as there is no need to buy an insurance plan every time you travel and are cheaper than buying several single trip travel insurance plans. These plans provide coverage for a whole year, however there is a limit for each trip which is either 30, 45 or 70 days depending on the plan chosen.

These multi-trip plans are ideal for US residents traveling regularly to Canada, Mexico, the Caribbean islands, Latin America, South America or Europe, however they should have a regular health insurance plan to cover them within the USA. Many of these plans are also available for Non US nationals (like Canadians, Mexicans, Europeans ... who travel overseas often), as long as they have a regular domestic health insurance plan in their respective countries.

Annual travel insurance for Business travelers

Since business people and working professionals travel overseas quite often, it is important to have proper international travel insurance. Buying an annual multi-trip travel insurance plan which insures the traveler for the whole year is ideal for regular international travelers.

Compare Annual Travel Insurance Plans

Age

Start Date

End Date

Coverage Period

1 year

Coverage Region

Citizenship

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Plans	Patriot Multi Trip	GeoBlue Trekker Essential	Atlas Multi Trip	Wander Frequent Traveler	GeoBlue Trekker Choice	GlobeHopper Multi Trip
Premium	Purchase Now Trip Duration	Purchase Now Trip Duration	Purchase Now Trip Duration	Purchase Now Trip Duration	Purchase Now Trip Duration	Purchase Now Trip Duration
Plan Maximum
Deductible
Insurer	IMG	GeoBlue	Tokio Marine HCC(HCCMIS)	Seven Corners	GeoBlue	IMG
Underwriter	Sirius International	4 Ever Life Insurance Company	Lloyd's	Lloyd’s	Sirius International	Lloyd's
Ideal for	US or Non US citizens traveling outside their home country for business or pleasure	Only US Citizens traveling outside their home country for business or pleasure	US or Non US citizens traveling outside their home country for business or pleasure	US or Non US citizens traveling outside their home country for business or pleasure	Only US citizens traveling outside their home country for business or pleasure	Only US Citizens traveling outside their home country for business or pleasure
Period of Coverage	The period of coverage is for 1 year from the effective date of insurance cover	The period of coverage is for 1 year from the effective date of insurance cover	1 year maximum limit	Your policy period is 364 days	The period of coverage is for 1 year from the effective date of insurance cover	1 year maximum limit
Eligibility	Up to 76 years. Travelling outside their home country. Must have domestic health insurance policy while being covered under this plan	US resident up to 85 years. Travelling outside their home country. Must be enrolled in a primary health plan	Up to 76 years. Travelling outside their home country. Must maintain medical insurance that covers them while they are in their home country	Up to 75 years. Travelling outside their home country. Must maintain continuous medical insurance that provides coverage in your home country	US resident up to 85 years. Travelling outside their home country. Must be enrolled in a primary health plan	65 years of age or older, U.S. citizens and U.S. permanent residents, Qualified for Medicare, actively enrolled in Medicare Parts A & B and enrolled in a Medigap Plan or Medicare Advantage Plan
Renewable	Yes in increments of 12 months up to 36 months with any break in coverage	This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new deductible and medical limit would apply.	No	No	This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case a new deductible and medical limit would apply.	No
Repatriation of Remains	$50,000	$15,000	Overall maximum limit (not subject to deductible or coinsurance)	$50,000 per period of coverage	$25,000	$50,000 lifetime maxmium
Emergency Medical Evacuation	Up to $1,000,000	$250,000	$1,000,000 lifetime maximum	$1,000,000 per period of coverage	$500,000	$2,50,000 lifetime maxmium
Coinsurance	Within US/Canada – In PPO - Pays 90% up to $5,000, Out of PPO - Pays 80% up to $5,000, then 100% to Max Limit. Outside US/Canada - No Coinsurance	Percentage that insured pays (after Deductible). This excludes charges for services not covered in excess of covered expenses.	In US/Canada - 80% of the next $5,000 after deductible, after which 100% to maximum limit. Outside US/Canada - 100% after deductible up to overall maximum limit.	Inside US/Canada - 90% of the next $5,000 after deductible, then 100% to medical maximum. Outside US/Canada - 100% after deductible up to medical maximum.	Percentage covered expenses the Insured pays (after Deductible is satisfied). Coinsurance does not include charges for services not covered excess of covered expenses.	No Coinsurance
Pre-existing Conditions Coverage	Recurrence of Pre-existing condition up to $5,000 max per period of coverage Emergency medical evacuation $25,000 for Recurrence of Pre-existing Condition	Covers pre-existing conditions as any other conditions up to $50,000	Travellers below 70 years covers acute onset of pre-ex condition - Limited benefit to medical maximum (excludes chronic and congenital conditions) Pre-ex condition cover for emergency medical evac to $25,000	WAIVER OF PRE-EXISTING CONDITIONS: $20,000 per period of coverage for US citizens when outside the US & Canada For age 65+ $2,500. This benefit does not cover known, required, or expected treatment of any kind existent or necessary for 12 months before your coverage began HEART ATTACK AND STROKE BENEFIT: Non-US citizens get $200 per day when hospitalized for heart attack or stroke. Max benefit of $3,000 per period of coverage.	Covers pre-existing conditions as any other conditions up to $250,000	Sudden and Unexpected Recurrence of a Pre-existing Condition cover for medical expenses up to $5,000 max per insured person,per period of coverage Coverage for emergency medical evacuation up to $25,000

Advantages of Annual travel insurance (multiple international trips within one year)

These plans provided coverage for unlimited international trips in a 12 month period
The maximum trip duration can range from 30 days to 70 days (GeoBlue Trekker)
These are ideal for businessmen and for work related frequent overseas travel
Some plans require a primary health plan, but cover pre-existing conditions and medical evacuation

How long does annual travel insurance last?

The annual multi-trip policies we sell will last for one year starting from the start date. So, if you purchase a plan starting April 1, 2019, it will be in force until March 31, 2020.

How does annual travel insurance work?

Annual travel insurance is a great way for frequent travelers to get coverage while they are away from home and/or traveling internationally. It is convenient since you make a one time payment for a year's coverage. Most policies have a maximum number of days you can be covered consecutively. Note there is not a limit on the total number of days, just the number of consecutive days of coverage. This number varies by policy, but can be 30, 45, or 90 days.