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Best Annual Travel Insurance: Multi-Trip Coverage

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  • Based on our research, the best annual travel insurance plans come from Trawick International & GeoBlue (skip ahead to view these plans).
  • Annual travel insurance and multi-trip travel insurance are two different terms for a travel insurance plan that covers you on multiple different trips over the course of a year.
  • Overall, annual travel insurance plans are typically cheaper than buying individual travel insurance polices for each trip. However, the coverage may be more limited.
  • It’s important to understand your coverage needs before opting for a multi-trip travel insurance plan, as the inclusions vary greatly by provider.
  • Annual travel insurance plans typically include medical-based coverage as a minimum, but may lack other coverage types like interruptions, cancellation, or baggage delay coverage.
  • We recommend using using a comparison tool to find the best annual travel insurance plan for your needs. A comparison tool can show you quotes from multiple providers at once allowing you to quickly compare coverage and prices

An annual travel insurance plan, or multi-trip insurance plan, is a type of travel insurance policy that provides coverage for every trip you take over a period of up to 365 days.

While single-trip insurance is a great option for seldom travelers, multi-trip travel insurance might make more sense if you travel regularly.

Annual travel insurance policies can be ideal for:

  • early retirees
  • long-term travelers
  • students abroad
  • business travelers
  • families who regularly bounce between countries and destinations

Annual travel insurance is not only convenient, but it can also be more cost-effective than buying a separate plan each time you travel. That said, not all travel insurance companies offer annual plans, and even then, some plans are different than others.

So, let’s get into it. You can find our top picks for the best annual travel insurance below.

GeoBlue
GeoBlue Trekker Essential excl US
Trawick International
Trawick International Safe Travels Annual Basic
Compare plans from providers side by side
Type of medical coverage
Secondary
Secondary
Emergency Medical
$500,000
$10,000
Medical Evacuation & Repatriation
$250,000
$50,000
Covers COVID
YES
YES
Pre-Existing Conditions
YES
NO
Extension Of Coverage
NO
YES
Non-Medical Evacuation
NO
NO
Trip Cancellation
NO
$2,500
Trip Interruption
NO
$2,500
Travel Delays
NO
12+ hours
Missed Connection
NO
NO
Baggage Loss
NO
YES
Baggage Delay
NO
12+ hours
24 Hour AD&D
NO
$10,000
Flight Only AD&D
NO
NO
Common Carrier AD&D
NO
NO
Sports & Activities
Some Sports
Some Sports
Sports Equipment Loss
NO
YES
Sports Equipment Delay
NO
YES
Sports Fees
NO
YES
Rental Car Damage
NO
NO
Money Back Guarantee
NO
YES
24 Hour Assistance Service
NO
YES
Cancel For Any Reason
NO
NO
AMBest Rating
Better Business Bureau Rating

Our picks for the best annual travel insurance plans of 2024

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Best for Basic Coverage on Trips Abroad

Full Policy Details

GeoBlue

4.64
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trekker Essential excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $250,000
Why We Like It

Editor's take

The GeoBlue Trekker Essential excl US plan is a great basic plan for frequent travelers who are looking for medical-related coverage when heading out of the U.S. for up to 70 days per trip and is also the most affordable plan on our list. With this plan, you can take an unlimited amount of trips during a year and stay covered as long as each trip lasts under the 70-day maximum.

With a robust $500,000 emergency medical coverage limit and a $250,000 medical evacuation limit, this policy should easily cover you in almost all medical scenarios should the worst happen abroad. This policy can also cover pre-existing health conditions which is a major plus for older travelers or those with health issues.

Limitations to this plan are that it only covers trips outside of the U.S. and does not include cancellation, interruption, or travel delay coverage. Therefore, if you plan to travel domestically or are keen on being covered for things not just related to travel health, you may want to look at other plans on our list, like the ones from Trawick International.

PROS

  • Solid medical coverage limits
  • Coverage for an unlimited number of trips
  • Covers pre-existing medical conditions
  • 24-hour assistance provided
  • Money-back guarantee

CONS

  • No cancelation/interruption coverage
  • No coverage on trips within the U.S.
  • Secondary medical coverage

Best Value for the Money

Full Policy Details

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Annual Basic
Covers COVID
YES
Medical & Evacuation Limits Per Person
$10,000 / $50,000
Why We Like It

Editor's take

This plan offers great value as it’s the second most affordable plan on the list and offers many different types of coverage. Where the Geo Blue Trekker Essential excl US plan only covers you outside the U.S., the Safe Travels Annual Basic plan from Trawick International offers coverage to both domestic and international destinations. It also goes several steps further from medical-only coverage and offers basic coverage for:

  • Trip interruption
  • Trip cancellation
  • Travel delays
  • Baggage delays
  • Lost baggage and personal items
  • Accidental death and dismemberment

That said, it is important to note that the medical coverage limits on this plan are lower than most. You will only be covered for up to $10,000 in medical treatments and $50,000 for medical evacuation. You also won’t be covered for pre-existing conditions. That makes this coverage ideal as a supplementary plan to your U.S. healthcare and perfect for domestic travel or travel in and around North America and the Caribbean.

PROS

  • Great plan to have for basic coverage
  • Covers domestic & international travel
  • Diverse coverage and inclusions
  • Cancelation & interruption coverage

CONS

  • Lower medical coverage limits
  • Secondary medical coverage

Best Overall for Comprehensive Coverage

Full Policy Details

Trawick International

4.14
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Safe Travels Annual Deluxe
Covers COVID
YES
Medical & Evacuation Limits Per Person
$20,000 / $100,000
Why We Like It

Editor's take

The Safe Travels Annual Deluxe plan from Trawick International is aptly named as it represents the most deluxe and comprehensive annual travel insurance plan on our list. It’s important to note that its sister plan (the Trawick Safe Travels Annual Basic) is our choice for the best value plan thanks to the coverage it provides for the price. However, if you want to be fully covered on your trip, the Safe Travels Annual Deluxe plan is the one to go for. It offers everything that the Basic plan offers, just with higher coverage limits.

With this plan, you get international and domestic travel coverage for medical treatment and evacuation. While the medical limits are lower than other plans, they should be enough for the majority of situations domestically and abroad.

The Deluxe plan also offers coverage for any delayed trips, with an allowance of $500 per trip. The plan also includes hurricane and weather cover, up to the maximum benefit shown on the confirmation of coverage - ideal for those traveling to volatile weather destinations.

Travelers looking to cover any possibility of baggage delays or loss of items during their travels will be pleased to see that the Safe Travels Annual Deluxe plan provides both. Policyholders will be entitled to a daily cover of $200 for delays of baggage and a $150 per item cover on all lost items during travel.

With medical coverage for COVID-19 included in the Emergency Medical Coverage, the Safe Travels Annual Deluxe plan provides great peace of mind when traveling in the post-COVID world.

PROS

  • Covers domestic & international travel
  • Includes emergency medical evacuation coverage
  • Covers interruption and cancelation of the trip
  • Offers hurricane and weather coverage
  • Offers sports and activities coverage

CONS

  • Medical limits are low for international trips
  • Secondary medical coverage

Best for High Medical Coverage

Full Policy Details

GeoBlue

4.64
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trekker Choice excl US
Covers COVID
YES
Medical & Evacuation Limits Per Person
$1,000,000 / $500,000
Why We Like It

Editor's take

The GeoBlue Trekker Choice excl US plan is one of the best multi-trip plans for travelers needing high medical coverage limits for trips outside the U.S. With this plan, you will get up to a million dollars worth of emergency medical coverage and $500,000 of medical evacuation and repatriation coverage. These levels are some of the highest in the industry and can ensure you are covered in almost all medical scenarios. Added to this extensive list is a 24-hour accidental death and dismemberment coverage and sports coverage, ensuring you are fully prepared for any eventuality. This plan is a step up from the Trekker Essential excl US offering higher medical coverage and coverage for lost baggage and equipment. All of these coverage inclusions make this an ideal plan for adventure travel and travel to remote areas of the globe. As with the Trekker Essential excl US, this plan does not offer coverage for trips within the U.S., cancellation or interruption coverage, nor on trips lasting longer than 70 days.

PROS

  • High medical coverage limits
  • Accidental death & dismemberment coverage
  • Baggage and personal items loss coverage
  • Covers some sports & adventure activities

CONS

  • No coverage for trips within the U.S.
  • No cancelation or interruption coverage
  • Secondary medical coverage

Best 6-Month Travel Insurance

Full Policy Details

Faye Travel Insurance

4.5
GET A QUOTE via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000 / $500,000
Why We Like It

Editor's take

Faye is a new travel insurance disruptor that offers an innovative solution to travel insurance with a digital-first approach. What sets them apart is their user-friendly solution to a traditionally bureaucratic system. With Faye, users can manage everything online or via the Faye app – including the entire booking and claims process.

Although it’s a newer provider in the travel insurance industry, Faye is already rising as a fan favorite among young, tech-savvy travelers and digital nomads who want quick, convenient, and reliable travel insurance without having to go through an agent.

Apart from their online-first approach, Faye is easy to use and caters to all types of travelers including those who may want help via phone support.

Another feature that sets Faye apart from the competition is their plan offerings. Faye offers one base plan with an array of comprehensive coverage and optional add-ons to customize your plan.

Potential add-ons include:

  • Pet care
  • Rental car care
  • Cancel for any reason
  • Vacation rental damage
  • Adventure & extreme sports

If you are looking for a convenient and cost-effective way to insure your vacation, consider opting for Faye travel insurance. *Note: Coverage limits and availability may vary by state of residence.

PROS

  • Friendly agents
  • Easy-to-use mobile app
  • Fast reimbursements for eligible claims
  • Prompt replies to questions

CONS

  • Long wait times for reimbursement
  • Difficulty reaching Faye outside of email & virtual chat

Best For Annual Membership

Full Policy Details

MedjetAssist

4
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
MedJet Horizon
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$0 / Unlimited
Why We Like It

Editor's take

MedJet Assist is a membership plan that ensures individuals get the medical evacuation help they need when they need it. Paying for membership ensures travelers get help arranging medical transfers regardless of medical necessity, and it lets members determine which medical facility they want to be moved to. This plan works for medical evacuation within the United States and abroad, and it can be purchased for short-term travel or longer trips.

While the traditional MedJet Assist plan includes coverage for medical evacuation, the upgraded MedJetHorizon plan also adds in worldwide travel security, crisis response, and evacuation services powered by FocusPoint International. This add-on coverage can help pay for evacuation in the event of terrorism, natural disasters, and violent crime.

PROS

  • Available for short-term or long-term travel
  • Can cover pricey evacuation expenses when you need medical care
  • Covers both personal and business travel
  • Membership covers each trip you take during its term
  • Short-term memberships start at just $99

CONS

  • Does not include traditional travel insurance benefits
  • Does not cover transportation from the site of an accident (medical facility transfers only)
  • Covers up to two transport events per year

Best For Frequent Travelers

Full Policy Details

Seven Corners

4.37
GET A QUOTE via Seven Corners' secure website
Preferred Plan
Trip Protection Annual Multi-Trip
Covers COVID
YES
Medical & Evacuation Limits Per Person
$250,000 / $500,000
Why We Like It

Editor's take

Seven Corners’ Trip Protection Annual Multi-Trip plan allows you to travel as many times as you’d like throughout the year under one policy. With $250,000 worth of medical coverage ($50,000 for New Hampshire residents), you are protected should the worst happen during your trip.

Alongside this standard medical coverage, the Trip Protection Annual Multi-Trip plan covers emergency dental expenses up to $750 and coverage for COVID-19-related illnesses.

This plan enables you to choose from four levels of trip cancellation coverage: $2,500; $5,000; $7,500; and $10,000. Trip interruption coverage also provides up to 150% of the trip cancellation limit and up to $1,000 of missed connection coverage per year.

PROS

  • $250,000 for emergency medical expenses
  • Travel multiple times a year
  • 24/7 emergency travel assistance included
  • Provides primary coverage up to $500,000 for emergency evacuation
  • Customizable benefit levels

CONS

  • Coverage only applies to trips up to 40 days
  • Deductible up to $100 for emergency medical coverage