What is the best annual travel insurance for travel within the USA?

Voyager Annual Travel Insurance is one of the best options for U.S. residents traveling frequently within the USA. It covers domestic and international trips up to 90 days each, with two plan levels (Silver and Gold), and includes emergency medical, evacuation, baggage loss, and more.

What is the best annual travel insurance for travel outside the USA?

Atlas Multi-Trip by WorldTrips and Patriot Multi-Trip by IMG are top options for international travelers. These plans offer year-long coverage for multiple international trips, with each trip limited to 30 or 45 days and benefits like medical coverage, COVID-19 treatment, and emergency evacuation.

Why should I buy annual travel insurance?

Annual multi-trip travel insurance is convenient and cost-effective for frequent travelers, especially those near borders or traveling internationally often. It provides continuous health coverage for every trip and is cheaper than purchasing separate single-trip policies.

Why is annual travel insurance cheaper than single trip travel insurance?

Annual travel insurance is cheaper in the long run because it covers multiple trips under one policy. Regular travelers avoid repeated purchase costs and benefit from year-long coverage as long as each trip stays within the policy's trip duration limits.

Annual travel insurance USA, Compare Annual Multi Trip travel Insurance, yearly travel insurance

Q: Who can buy annual multi-trip travel insurance?

Frequent travelers like corporate professionals, business owners, academics, journalists, and retired individuals who travel often can benefit from annual multi-trip travel insurance instead of buying separate coverage for each trip.

Patriot Multi Trip Maximum Deductible Trip Duration Buy Now	Multi Trip Gold Maximum Deductible Trip Duration Buy Now	Atlas Multi Trip Maximum Deductible Trip Duration Buy Now	Voyager Annual Travel Insurance Maximum Deductible Trip Duration Buy Now	GlobeHopper Senior Multi Trip Maximum Deductible Trip Duration Buy Now
Insurance Providers

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	Coverage is available to U.S. residents while traveling outside a 100 mile radius from his/her place of permanent U.S. residence for trips with a maximum duration of 90 days.
Length 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	1 year maximum limit
Coinsurance
In PPO (Within US/Canada - 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	The plan pays 100% of eligible expenses after the deductible up to the overall maximum limit	No Coinsurance	No Coinsurance
Renewability
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.	Not renewable	Not renewable	Not renewable
Eligibility
Up to 79 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	The applicant must be aged between 14 years and 85+ years.	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
Repatriation of Remains
$50,000	Essential plan - $15,000 Choice plan - $25,000	Overall maximum limit (not subject to deductible or coinsurance)	Silver: $100,000 Gold:$150,000	$50,000 lifetime maxmium
Emergency Medical Evacuation
Up to $1,000,000	Essential plan - $250,000 Choice plan - $500,000	$1,000,000 lifetime maximum	Silver: $100,000 Gold:$250,000	$2,50,000 lifetime maxmium
Pre-existing Conditions Coverage
Sudden and Unexpected Recurrence of Pre-existing condition up to $5,000 max per period of coverage	Essential plan - Covers pre-existing conditions as any other conditions up to $50,000 Choice plan - overs pre-existing conditions as any other conditions up to $250,000	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	Not Covered	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
Underwriter
Sirius International Insurance Corporation	4 Ever Life Insurance Company	TMHCC Insurance SPC Ltd and Houston Casualty Company	Underwritten by Starr Indemnity & Liability Company	Underwritten by Lloyds, London
Rating
AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	"A-" (Excellent)	AM Best Rating: A++ (Superior) Standard & Poor’s Rating: AA-	AM Best Rating: "A" (Excellent)	AM Best Rating: "A" (Excellent)
Brochure and Details
Brochure Details	Brochure Details	Brochure Details	Brochure Details	Brochure Details

What Is Annual Travel Insurance?

Annual travel insurance, also called multi-trip travel insurance, is a policy that covers you for multiple trips within a 12-month period under a single plan.

Instead of buying a new travel insurance policy each time you travel, you purchase one annual policy that automatically provides coverage every time you go abroad during that year as long as each trip doesn’t exceed a specific number of days (for example, 30, 45, or 70 days per trip, depending on the plan).

What Are the Benefits of Purchasing an Annual Travel Medical Insurance?

If you travel frequently for work or leisure, an annual plan can save you time, money, and stress while keeping you protected all year long.

Coverage for the full year: This policy protects the insured for a year, with no worries about having to buy new insurance for each travel transaction.
Unlimited trips covered: Take as many trips as you want throughout the year each is automatically covered under your annual insurance.
Flexible duration for travel: You can take as many trips within a year as you would like, based on a predetermined number of days usually, this is either 30 days, 45 days, or 70 days, depending upon your plan.
Emergency and medical assistance: If you experience an illness or an injury while traveling, your plan provides money toward doctor visits, hospital bills, emergency medical evacuations, or even repatriation to your home.
Additional options available: You can also select add-on or supplemental options for lost baggage, travel delays, trip interruptions, or accidental injury: whatever option you choose, you will have complete confidence anywhere you go.

How Does an Annual Travel Plan Work?

An annual travel plan works much like any other yearly membership or service. You make a one-time purchase that provides coverage for a full year there’s no need to buy a new policy or pay extra each time you travel. Unlike monthly subscriptions, there are no ongoing monthly fees once your plan is active.

A great example of this is annual travel insurance, which keeps you protected on every trip you take during the year under a single policy. You’ll find similar yearly plans in other industries too for instance, some spas or gyms offer annual memberships that let you enjoy their services without making separate payments each time.

At American Visitor Insurance, we make it easy to compare and buy the best annual travel insurance plans from top-rated providers. Our plans offer comprehensive medical coverage, emergency assistance, and flexibility for travelers who take multiple trips each year.

For frequent travelers, an annual travel insurance plan from American Visitor Insurance offers unmatched convenience, cost savings, and peace of mind making it the smart choice for a year full of journeys.

How Much Does Annual Multi-Trip Travel Insurance Cost in USA?

The cost of Annual multi-trip travel insurance in the USA typically starts around $264 per year. The actual premium varies depending on factors such as age, trip duration, deductible, and travel destinations.

Plan Name	Maximum	Deductible	Trip duration	Cost*
Atlas Multi-trip	$1,000,000	$250	30 days	$257
Patriot Multi-trip Insurance	$1,000,000	$250	30 days	$328

*The average cost based on the quotes for 40 year old traveler with duration of year.

How Much Does Multi-Trip Travel Insurance Cost Outside the USA?

The cost of annual multi-trip travel insurance for travel outside the USA typically starts from $120 per year. The actual price depends on several factors, including your age, trip duration, deductible, and travel destinations.

Plan Name	Maximum	Deductible	Trip duration	Cost^#
Voyager Annual Insurance	$50,000	$0	90 days	$100
Multi Trip Gold Insurance	$500,000	$200	70 days	$131
Atlas Multi-trip Insurance	$1,000,000	$250	30 days	$188
Multi Trip Platinum Insurance	$1,000,000	$100	70 days	$184
Patriot Multi-trip Insurance	$1,000,000	$250	30 days	$282

#The average cost based on the quotes for 40 year old traveler with duration of year.
Source: American Visitor Insurance®

Which Are the Best Annual Travel Insurance Plans for Frequent Travelers?

For frequent travelers, selecting the right annual travel insurance plan is crucial to ensure comprehensive coverage and cost-effectiveness. Here are some top-rated options to consider:

Voyager Annual Insurance
^{Travel Insure}

U.S. residents traveling over 100 miles from home

Policy maximum: $50,000 – $250,000 | Deductible: $0 | Trip Duration: Up to 90 days per trip

Emergency Medical Evacuation: $250,000
Pre-existing Coverage: Not covered
Trip Interruption: $5,000
Baggage & Personal Effects: $2,500 ($250/item; $500 max for valuables)
Repatriation of Remains: $150,000
Maximum Age Insured: 99

Multi-trip Gold Insurance
^{BlueCross BlueShield Global Solutions}

U.S. residents with a primary health plan traveling abroad

Policy maximum: $500,000 | Deductible: $200 | Trip Duration: Up to 70 days per trip

Emergency Medical Evacuation: $250,000
Pre-existing Condition Coverage: Up to $50,000
Repatriation of Remains: $15,000
Sports Coverage: Hazardous activities up to $25,000
Maximum Age Insured: 95

Multi-trip Platinum Insurance
^{BlueCross BlueShield Global Solutions}

International travelers seeking comprehensive coverage

Policy maximum: $1,000,000 | Deductible: $100 | Trip Duration: Up to 70 days per trip

Emergency Medical Evacuation: $500,000
Pre-existing Condition Coverage: Includes medical services & evacuation
Baggage & Personal Effects: Up to $500 per trip ($100 per item)
Repatriation of Remains: $25,000
Sports Coverage: Hazardous activities up to $25,000
Maximum Age Insured: 95

Patriot Multi-trip Insurance
^IMG

U.S. & non-U.S. citizens traveling abroad

Policy maximum: $1,000,000 | Deductible: $250 | Trip Duration: 30, 60, or 90 days per trip

Emergency Medical Evacuation: Up to Policy maximum
Pre-existing Condition Coverage: Sudden & unexpected recurrence up to $5,000
Lost Luggage: Max $150 per item / $500 total
Optional Riders Available
Maximum Age Insured: 79

Atlas Multi-trip Insurance
^WorldTrips

U.S. & non-U.S. citizens traveling abroad

Policy maximum: $1,000,000 | Deductible: $250 | Trip Duration: 30 or 45 days per trip

Emergency Medical Evacuation: $1,000,000 lifetime max
Acute Onset of Pre-existing Conditions: Covered up to max limit (under 79)
Lost Luggage: Up to $10,000
Trip Interruption: Up to $10,000
Border Entry Protection: $500 for B-2 visa holders denied entry
Sports Coverage: Vacation sports injuries & illnesses
Maximum Age Insured: 79

Globehopper Seniors Multi-Trip
^IMG

Travelers age 65+

Policy maximum: $1,000,000 | Deductible: $250 | Trip Duration: 30 or 45 days per trip

Emergency Medical Evacuation: $1,000,000
Sudden & Unexpected Recurrence of Pre-existing Conditions: $2,500
Lost Luggage: $250 per item / $50 max per item
Trip Interruption: Up to $5,000
Repatriation of Remains: Up to $50,000
Eligibility: 65–99 years

Seven Corners Annual travel insurance
^{Seven Corners}

U.S. residents traveling abroad

Policy maximum: $1,000,000 | Deductible: $0, $250, $500 | Trip Duration: 30, 45, or 60 days per trip

Emergency Medical Evacuation: $1,000,000
Acute Onset of Pre-existing Conditions: $20,000 (< 69 yrs) / $5,000 (70–79 yrs)
Lost Luggage: $150 per item / $600 per occurrence
Trip Interruption: Up to $5,000
Dental Emergency: $500 per occurrence
Maximum Age Insured: 80

Trawick International Annual Travel Insurance
^{Trawick International}

Frequent Travelers

Policy maximum: Varies by plan | Trip Duration: Multiple trips within a year | Age: 99

Covers multiple trips throughout the year with three plans:

Safe Travels Annual Basic: Essential coverage for trip cancellation, medical emergencies, and lost baggage.
Safe Travels Annual Deluxe: Includes Basic benefits plus $5,000 Trip Cancellation & Interruption, $20,000 Emergency Medical Expense, and baggage coverage.
Safe Travels Annual Executive: Includes Deluxe benefits plus $10,000 Trip Cancellation & Interruption, $50,000 Emergency Medical Expense, and Sports Equipment Rental Coverage.

What Does Annual Travel Insurance Cover?

Annual travel insurance protects you for all the trips you take in a year under one policy. Most plans include:

Medical expenses: Covers doctor visits, hospital stays, and emergency care if you get sick or hurt while traveling.
Emergency evacuation: Pays to get you to the nearest hospital or back home in serious situations.
Trip cancellation or interruption: Helps you recover money if your trip is canceled or you have to cut it short for covered reasons.
Lost or delayed luggage: Offers compensation if your bags are lost, stolen, or delayed.
Sports coverage: Some plans cover injuries from vacation or recreational sports, like skiing or hiking.
Optional add-ons: Certain plans let you include extra coverage for accidental injuries.
Pre-existing conditions: Plans like Atlas MultiTrip or Patriot Multi-Trip can cover sudden flare-ups of existing medical conditions.

This insurance is ideal for frequent travelers, couples, and seniors, and American Visitor Insurance ensures you’re protected on every trip, giving peace of mind wherever you go.

Who Can Buy Annual Multi-Trip Travel Insurance?

Annual travel insurance is a great choice for people who travel often. It works best for:

Frequent business travelers: Those who take multiple short trips abroad throughout the year.
Leisure travelers: Individuals or families who go on vacation several times a year.
Expats or professionals: People who travel regularly for work, meetings, or family visits.

If you travel three or more times a year, an annual plan is usually more convenient and cost-effective than buying separate single-trip policies each time.

Group annual multi trip international travel insurance for business or corporate travelers

Compare and Buy Group Travel Insurance online for business, Multi trip travel insurance comparison

Multi-Trip Travel Insurance Reviews

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Single Trip vs Multi Trip travel insurance

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)
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

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.

Annual medical 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.

There are several companies that offer annual insurance for frequent travelers. The costs are very economical and the benefits are limited to mostly medical emergencies. The companies only cover US citizens or residents if they have their own private insurance. Most companies only cover you while traveling outside your home country. One policy will cover you while you are at least 100 miles away from your home, so can also be used for domestic trips (say, out of state) and can boost your own domestic coverage in some situations.

Regular international travelers should buy the annual travel insurance as it is cheaper than single trip travel insurance over the course of the year. With a one year travel insurance one can make several trips without any additional expenses for the entire year as long as each trip is within the trip period of the plan.

The best annual travel insurance for couples will cover every trip taken during the year, providing both travelers a joint travel insurance solution. An exceptional plan for international travel and vacation activities is Atlas MultiTrip Insurance, which provides excellent medical and emergency coverage.

Patriot MultiTrip Insurance (IMG) also offers great plans that offer flexibility for multiple trips, providing emergency medical expenses, trip interruption and baggage coverage. Annual travel plans can save couples time and money, while providing a sense of security on every trip, whether traveling domestically or abroad.

You can easily compare annual travel insurance plans on American Visitor Insurance. The website lets you review different plans, coverage limits, trip durations, and optional benefits so you can find the best plan that fits your travel needs. Popular options include Atlas MultiTrip Insurance, Patriot Multi-Trip Insurance, Seven Corners Annual insurance, Trawick Annual insurance and Voyager Annual Insurance, which offer flexible coverage for multiple trips, medical protection, and trip interruption benefits.

This is an annual plan that covers multiple international trips in one year. Each trip typically has a maximum duration (e.g., 30–70 days). Plans like Atlas MultiTrip and GeoBlue Multi Trip Platinum are designed for international travelers needing medical and emergency protection abroad.

Some of the best annual travel insurance plans include Atlas MultiTrip Insurance, which is ideal for frequent international travelers, and Voyager Annual Insurance, perfect for U.S. residents taking trips up to 90 days. For seniors and active travelers, Safe Travels Annual Executive (Trawick) offers comprehensive coverage, while GeoBlue Multi Trip Platinum is a great option for those who need strong medical coverage and protection for pre-existing conditions. These plans provide flexible, reliable coverage for multiple trips throughout the year, making them excellent choices for a variety of travel needs.

The best plan depends on your needs:

For frequent international travelers: Atlas MultiTrip or GeoBlue Multi Trip Platinum
For U.S. residents traveling multiple times a year: Voyager Annual or Safe Travels Annual Executive
For seniors: Globehopper Seniors Multi-Trip or Seven Corners Annual Multi-Trip

Top plans for seniors include:

Globehopper Seniors Multi-Trip (IMG) – For travelers 65+
Seven Corners Annual Multi-Trip – Up to age 80
Safe Travels Annual Executive (Trawick) – Comprehensive coverage including trip cancellation and medical emergencies

Should I Buy Trip Cancellation Insurance?

Given the cost of a preplanned trip especially if it involves traveling overseas can be quite expensive. A planned business travel can involve expensive airline tickets, hotel reservations and cruise bookings, much of these done well in advance of the actual trip. Given the hectic nature of our work and lifestyles, one cannot be absolutely certain that none of our planned travel plans will not need last minute changes. A serious medical situation of an immediate family member or even work related pressures can force a change in travel plans. It is here that Trip protection or trip cancellation insurance can make all the difference.

Even if the trip starts on schedule, there can be unplanned adverse situations such as lost baggage, delay in flights resulting in missed hotel or cruise bookings or even a medical ailment during the trip. Again, in these situations trip insurance can be invaluable. There are different types of trip insurance plans available, some which cover cancellation for clearly defined specific reasons, some others which provide trip protection insurance for cancellation for any reason.

Get quote for trip cancellation plans »

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If so, please use our 'Compare international health insurance' to compare quotes.

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Why Should I Buy Annual Multi-Trip Travel Insurance on American Visitor Insurance?

Buying Annual Multi-Trip Travel Insurance through American Visitor Insurance is a smart choice for frequent travelers who want comprehensive coverage, cost savings, and convenience throughout the year. Instead of purchasing a new policy for every trip, an annual travel insurance plan covers multiple international or domestic trips under a single, continuous policy.

Convenience for Frequent Travelers: Annual multi-trip plans are ideal for business travelers, retirees, or families who travel abroad several times a year with no need to reapply for each trip.
Cost-Effective Coverage: Pay once and stay protected for the entire year. Buying an annual plan can be more affordable than purchasing multiple single-trip policies.
Wide Range of Plan Options: American Visitor Insurance works with all the top US travel insurance companies and offers an easy to compare tool to review the top-rated annual travel insurance plans. American Visitor Insurance works with reputed providers like IMG, WorldTrips, BlueCross Blue Shield travel insurance, Travelex, and Seven Corners, ensuring travelers find the best fit for their needs.
Flexible Trip Duration Limits: Most plans cover trips lasting up to 30, 45, or 90 days per trip, depending on the policy, making them suitable for both short vacations and frequent business travel.
Comprehensive Protection: Annual multi-trip travel insurance covers a range of benefits, including emergency medical care, trip interruption, baggage loss, and medical evacuation, providing peace of mind on every trip.
Expert Assistance and Comparison Tools: With American Visitor Insurance, you can easily compare Annual travel medical insurance plans, costs and benefits from top insurers - all in one place. The licensed customer support team will guide you with clarity on your options as well as help you with any renewals of existing policies or while filing claims.

Difference Between Travel Medical Insurance and Annual Travel Insurance

Dear Admin,

As I mentioned by call, my question is what's the difference between travel medical plan and annual plan? I selected from 2/11/2025 to 1/4/2026 in the travel medical plan but it showed me a similar price as I chose the annual plan.

Thanks,
Kamyar

Dear Kamyar,

Thanks for your inquiry!.The difference between the travel medical insurance and the annual travel Insurance plans are: Annual travel insurance are available for the entire 12 month period (365 days) from the day you start the policy. During this period, you can make multiple international trips to your destination country. However, there will be either a 30 day or 45 day time period limit for each trip (depending on the plan that you choose).

These plans are suitable for corporate travelers and ideal for frequent work related overseas travel. On the contrary, in a travel medical insurance plan, you can buy the plan for your desired time period like a few days, one month, 3 months, 4 months... and you will have to make payment only for that coverage duration. Your plan is effective only for that time period. If you want, you can extend/renew the plan later before the plan expires. Usually they will have a maximum plan lifetime of one year until which you can renew them if need be.

Please let us know if we can help you in any further.

Regards,
Customer care
www.americanvisitorinsurance.com
(877) 340 7910

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