Annual Multi-Trip Travel Insurance
Take three or more trips a year? One annual premium covers them all — no more buying (or forgetting to buy) a policy per trip.
Get an instant comparison for your trip
Why it matters
- From roughly the third international trip a year, annual plans beat per-trip pricing — and the fourth trip travels free.
- The forgotten-policy problem disappears: every qualifying trip is automatically covered the moment you leave.
- Frequent business travellers get consistent limits and one certificate that works for visa applications all year.
3 plans built for this
Travel Guard
Travel Guard Annual
One yearly premium covers every trip you take, up to 90 days each.
$50,000 medical cover →
Allianz Travel
Allianz AllTrips Prime
Simple flat-price annual protection for every trip of the year.
$25,000 medical cover →
HDFC ERGO General Insurance
HDFC ERGO Annual Multi-Trip
A year of international trips on one policy — built for frequent flyers.
$250,000 medical cover →
Buy with a real consultant — not just a checkout form
Our consultants confirm final premiums with the insurer, check the wording against your trip (visa rules, activities, health declarations), and stay on the file for claims help.
How to buy it right
- Watch the per-trip cap — 30, 45 or 90 days per trip is the key difference between plans; a single long trip over the cap is uninsured for the excess days.
- Check whether domestic trips count: US annual plans often cover getaways 100+ miles from home; Indian annual plans are usually international-only.
- Cancellation limits on annual plans are yearly aggregates, not per-trip — size them against your typical prepaid costs.
Frequently Asked Questions
How many trips does an annual policy cover?
Usually unlimited trips within the policy year, as long as each trip stays under the per-trip day cap (commonly 30–90 days).
Does annual cover work for Schengen visas?
Yes — insurers issue Schengen-compliant certificates against annual policies, and one policy serves every application that year. Confirm the certificate shows the €30,000 medical minimum.
When does an annual plan beat single-trip policies?
Price the year both ways: at typical rates, three international trips (or two including the USA) usually cross the break-even. Our comparison shows both if you run an annual and a single-trip quote.
Other trip types
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.