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What Are Annual & Multi-Trip Travel Insurance Plans?

If you’re a frequent traveler, buying a new travel insurance policy for every trip can get repetitive and costly. That’s where annual and multi-trip plans come in. 

These annual plans cover you for a full year, no matter how many trips you take, with limits on trip length and cost.

 

👥 Who Should Consider an Annual Plan?

  • Travelers taking 3+ international trips per year

  • Business travelers with multiple overseas meetings

  • Retired couples traveling abroad several times a year

  • Mission trip leaders with ongoing travel responsibilities

 

🔑 Key Features

  • Unlimited trips during the year (within plan rules)

  • Trip length: Usually covers trips up to 30–90 days per trip

  • Trip cost coverage: Choose your aggregate coverage amount (commonly $5,000, $7,500, or $10,000 per person per year)

  • Medical and evacuation benefits included

  • Flat premiums: Pricing doesn’t increase based on age bands

 

✅ Example: Allianz Annual Executive Plan

  • $5,000 aggregate → $510 per person annually

  • $7,500 aggregate → $635 per person annually

  • $10,000 aggregate → $805 per person annually

👉 If you have a $10,000 trip, you’d select the $10k option to be fully covered. If your trip cost is lower (say $5,000), you still have protection for that amount.

 

⚠️ Important Note

  • If a trip costs more than your selected annual coverage, you can either:

    • Insure part of it under the annual plan, or

    • Add a single-trip plan for the remaining cost.

 

🛠️ How to Get an Annual Plan Quote

  1. Visit our Annual & Multi-Trip Plans page.

  2. Select your desired aggregate trip cost.

  3. Submit the quote form for customized pricing and plan details.

 

🛡️ Bottom Line:
If you travel several times a year, an annual or multi-trip plan can save you time and money while giving you peace of mind. Fill out the form today, and our team will confirm the best plan for your travel style.

 

⚖️ Disclaimer

This article is for general informational purposes only and does not guarantee coverage or benefit eligibility. Plans vary by provider, and all benefits are subject to policy terms and exclusions.

Please note: Insurance Consultants International is not the claims department and does not determine claim outcomes. All decisions regarding coverage and reimbursement are made by the licensed claims administrator named in your plan documents.

It is the insured’s responsibility to review their full policy documents to understand what is and is not covered.