You can buy multi-trip insurance for year round coverage

Many travelers are away from home several times a year, and travel insurance companies have designed annual coverage plans for them.

Companies like HTH Worldwide, Travelex, International Medical Group, and Travelguard all offer a variety of annual coverage, multi-trip insurance plans. These plans offer many of the standard benefits such as medical/dental coverage, accidental death, and emergency medical evacuation.

These annual travel insurance plans usually limit the length of individual trips, from 30-70 days per trip. Longer trips allow for more risk to the insured, so they do need to add these individual trip limits.