How Multi-trip Travel Insurance works

Multi trip travel insurance is a type of travel insurance policy that covers multiple trips within a specified period, usually a year. Unlike single-trip travel insurance, which only covers one specific journey, multi-trip insurance is ideal for frequent travelers. Because there are fewer destination limitations, some people refer to it as multi-country travel insurance, as you’re covered for all of the trips you take under one policy.

The benefit of multi trip travel insurance is that you know your trip is protected, no matter where you travel to or how many times you go (for all countries included). If you’re planning to visit multiple countries in the same calendar year, multi trip travel insurance could be the best option to ensure you’re covered from point A to point B… all the way to Z!

While multi trip travel insurance is perfect for, well, multiple trips, there are usually some constraints to keep in mind. For example, most plans cap each trip at 90 days, making multi trip insurance most helpful when your planned excursions are for shorter stays.

This type of policy is extremely convenient for those who travel frequently, whether it be for work or for leisure. A multi trip policy provides extra peace of mind, as you don’t have to arrange new insurance and find new policies before each and every trip.

There are many reasons that individuals find themselves traveling frequently. Multi-trip travel insurance is perfect for anyone who travels multiple times a year, for 90 days or less during each trip.

Multi trip travel insurance is a great solution for:

Business travelers - Individuals who travel regularly for work (more than twice a year) will typically find multi-trip insurance more convenient and cost-effective than standard single-trip travel insurance.

Frequent leisure travelers - Those who take several vacations or weekend trips throughout the year can save money and time by utilizing a single policy that covers all of their trips.

Remote workers and digital nomads: Those who split their time between different countries or regions might find multi-trip insurance beneficial, as it offers continuous coverage without the need to purchase new insurance for each destination.

Expatriates visiting home frequently : Expats who frequently travel back to their home country or other destinations can benefit from having consistent coverage for multiple trips. That way you’re protected (without any extra hassle) if you find yourself needing to travel home for an unexpected reason or urgent familial need.

Families with frequent getaways: Families who take several short vacations abroad or visit relatives overseas regularly can find it more convenient to have a multi-trip policy covering all family members. You may sometimes see this referred to colloquially as multi trip holiday insurance, but it’s really the same thing.

Outdoorsy travelers: Those who often embark on trips involving outdoor activities, sports, or the outdoors might prefer multi-trip insurance to ensure they're always covered, especially for more spontaneous excursions. Keep in mind that our travel insurance does not cover hazardous sports.

Students studying abroad: Students who travel frequently during their study abroad period may find multi-trip insurance useful, especially if they plan on visiting neighboring countries during weekends and breaks. This way, students and their families can rest easy knowing that in the case of an emergency, much-needed coverage and support is there.

Anyone who travels abroad multiple times a year should consider multi-trip travel insurance.

Single-trip travel insurance is intended for one trip and multi-trip travel insurance is for two or more within a calendar year.

Single trip travel insurance provides coverage for a single trip abroad that you have scheduled, from the start date until you arrive home. If you plan another trip, even if it’s the following week, you’ll need to take out a brand new single trip travel insurance policy to make sure you’re covered.

Multi-trip coverage provides protection from the start date of the policy until the end date, no matter how many times you travel abroad. These policies typically last for one calendar year (or 365 days).

Single trip travel insurance is ideal for those who travel infrequently or for those with one longer trip planned, as it’s typically more affordable than multi trip travel insurance. It can also be more tailored to the specific needs of each trip. For example, maybe on one trip you’re only concerned about medical coverage, while on another you’re concerned about potential lost luggage. For each trip, you can personalize your insurance coverage to suit your specific situation and needs.

Multi trip travel insurance, however, is much more convenient and more cost-effective for those who go on short trips abroad, often. While multi trip insurance typically comes at a higher price point up front, it saves you time and money throughout the year, making it the more economical option.

The terms “annual travel insurance” and “multi-trip travel insurance” are often used interchangeably, as they refer to the same type of policy. Both terms describe a policy that covers multiple trips abroad within a specified period, usually one full calendar year from the start date of the policy.

Unlike multi trip travel insurance, annual travel insurance typically covers more extended trips. If you’re planning to go abroad for more than 90 days, this might be the best solution for you.

If you travel multiple times a year, you will likely find both annual travel insurance and multi-trip travel insurance suitable for your needs. When you’re looking for the best coverage for your lifestyle, you’ll want to keep in mind factors like: the duration of your trips, ease of renewal (the ability to renew your annual travel insurance automatically, without a fee, for example), and what types of coverage are most important to you, such as medical, loss of luggage, or Covid-19 coverage.

Annual travel insurance: Travel coverage that lasts for one calendar year (365 days) for multiple countries abroad. Better for those with a trip that lasts more than 90 days.

Multi trip travel insurance: Travel coverage that lasts for an extended period of time (usually one calendar year, but not always) for multiple countries abroad. Better for those with shorter trips (under 90 days for each trip)

Keep in mind that some countries require insurance in order to travel to them. Depending on the requirements, there may also be specific coverage details that you need to meet, like no deduction, coverage thresholds, or something else. It’s always best to check with immigration for your destination(s) to ensure you’re compliant with their policies.

Choosing the best multi trip travel insurance involves evaluating your specific needs, comparing policy features, and selecting the one that most aligns with your budget. When you’re researching which multi trip or annual travel insurance would work best for you, it’s important to think of a few key factors.

Consider your travel length

Are any of your upcoming travel plans extended stays (more than 90 days for one trip)? If so, an annual policy might be a better option for you.

Which countries do you plan on visiting during the calendar year?

Policies may differ on which countries are included in your coverage. That’s why it’s always important to use a worldwide trusted insurance comparison tool, like Insurte’s, to see your options. If you’re not sure where you are planning to go, but will find out along the way, a worldwide multi-trip travel insurance policy will keep you covered anywhere in the world, excluding off-limit locations like warzones.

Additionally, some countries require you to take out specific types of coverage in order to visit or apply for a visa. Make sure you research whether or not travel insurance is mandatory for your planned destinations.

What are you planning to do on your trip?

If you’re planning on being on the go regularly, you might benefit from lost luggage or stolen papers (such as your passport) coverage. If you’re planning on skiing or day-hiking, sports coverage might be important.

Understand your travel insurance options if you have pre-existing health conditions

While some insurance providers require pre-existing health condition information before offering a policy, Insurte does not. Anyone, regardless of health history can get an insurance policy for their travels. Do keep in mind that our medical coverage is for unexpected medical events, so it’s always a good idea to have a check-up with your doctor to discuss options for your continued well-being to ensure a safe and healthy voyage.

When selecting the best coverage for you and your family, it’s important to compare your options in order to make the most educated decision regarding your protection abroad. Insurte’s comparison tool is the easiest way to compare policies without having to answer personal questions and list pre-existing conditions.

When comparing multi trip policies, here are a few things to look out for:

Medical coverage: In order to ensure your protection abroad, you might consider taking out comprehensive medical insurance. This way you have the most sweeping coverage available.

Luggage: Check to see if the policy provides coverage for lost, stolen, delayed, or damaged luggage.

Travel assistance services: Policies purchased with Insurte offer 24/7 assistance for emergencies, which can be crucial when traveling abroad - especially at the time of an unexpected event. We will be able to give you the information and support that you need in order to navigate the local services available to you to get you the best possible care.

Annual trip duration limits: Verify the maximum number of days each trip can last (e.g., 30, 60, or 90 days). This is imperative in deciding which type of multi trip travel insurance or annual insurance is right for your needs.

Evaluate policy exclusions: Make sure you read the terms of each policy carefully to understand what is not covered (e.g., certain destinations, etc.) and whether or not you can add it on.

Deductibles: Whether or not you’d like a multi trip insurance policy with deductible or no deductible (also called excess or no excess) is up to you. While you may pay a higher premium when you choose a no deductible policy, you won’t need to pay any additional expense when you make a claim. If you’re looking for a cheaper multi-trip travel insurance alternative, choosing a policy with a deductible can save you money, but if the time comes to make a claim, you will be responsible for a portion of the bill.

Legal requirements: Some countries require foreign travelers to take out travel insurance policies when visiting their country. Additionally, some visa applications also require mandatory travel insurance in order to process your application, before you even leave for your trip (such as the 29 countries in the Schengen area). Make sure you know the legal requirements of each country you’re visiting to ensure you take out the appropriate policy well in advance.

Reviews: It never hurts to ask around or read reviews about the providers you’re looking at during your comparison. Reading multi trip travel insurance reviews is a great way to hear real testimonials and get an unbiased opinion about their experience with their provider of choice. This research can help you make the most educated decision when it comes to your annual travel insurance.

If one of your main concerns is price point, you are not alone. Luckily, it’s possible to find multi trip or annual travel insurance at a reasonable price.

The best way to find the cheapest multi trip travel insurance is to use a powerful comparison tool like Insurte’s. You’ll be able to add your travel details (like how many travelers need covered, your destinations, etc.) then you will be able to compare annual travel insurance policies by price.

There are other ways to help you lower the price. When you’re taking out a multi trip policy, consider what type of coverage you need. If you’re mostly concerned about being covered during medical emergencies, but aren’t too worried about lost luggage, you might benefit from taking out a more basic insurance cover.

Additionally, selecting a plan with deductibles (also known as, excess) will also lower the initial cost of your policy. Just keep in mind that at the end of the day, it’s a risk. If you end up needing to file a claim while abroad, it may end up saving you money by choosing a more comprehensive plan from the beginning.

Annual and multi trip insurance prices can vary depending on a variety of factors such as destination(s), coverage level (basic vs. comprehensive), number of travelers requiring coverage, deductible or no deductible (excess or no excess) and add-ons. Some insurance providers also adjust the price based on age or nationality. Insurte does not do this. Whether you’re 25 or 85, the price of your policy won’t change based on your age.

When purchasing a policy with Insurte, the price for seniors is the same price as it is for everyone else. At Insurte, we believe in fair pricing, which is why you won’t have to pay a higher premium based on your age, nationality, ethnicity, or gender.