Summary: International travel health insurance for medical emergencies and evacuations covering multiple trips in a single year.
Best for: Students, business travelers, seniors, retirees, and missionaries who need annual travel health insurance.
Extras: Many annual travel health insurance plans include optional riders for additional protection.
Travel Medical Insurance for Multiple Trips in a Year
When you leave your home country, your health insurance may or may not follow you. In the case of Medicare, it definitely does not cover you. If you do have coverage in a foreign country, it may be limited and may not provide transportation back home.
Multi-trip (or annual) travel medical plans provide insurance coverage for common medical concerns that can occur anytime:
- Emergency medical and dental treatment
- Evacuation and repatriation
- Accidental death and dismemberment (AD&D)
- Flight accidents
Help for common travel problems
Multi-trip (or annual) travel medical plans often provide some package-like travel insurance coverages, including:
- Trip cancellation
- Trip interruption
- Travel delay
- Rental car collision
Special features for unique travelers
In addition, some plans offer special coverage for specific traveler types, such as business travelers:
- Business equipment loss and equipment rental fees
- Airline change fees
- Pre-existing medical conditions (with purchase of an exclusion waiver)
Factors that Affect Plan Cost
Factors that affect the pricing on multi-trip travel health insurance include:
- Traveler’s age
- Deductible choice
- Optional riders