Multi-Trip Travel Insurance
Denver, Hickory, High Point, Lincolnton, Maiden, Mooresville, Mount Airy, Mount Holly, Pilot Mountain, Shelby, Southern Pines, Statesville, Tryon, West Jefferson, Wilkesboro, Winston Salem, Yadkinville

Life doesn’t stop when you travel and neither do the unexpected moments that accompany life. That’s where annual travel insurance comes in. Whether you’re traveling for work or planning a bucket list vacation (or three), having the right travel insurance protects you from surprises that could derail your trip.

With an annual travel insurance policy, you’re covered for every eligible trip you take throughout the year without the hassle of buying a new plan each time.

What is multi-trip travel insurance?

Multi-trip travel insurance—also called annual travel insurance—is a specialized policy that protects against financial risks and disruptions associated with travel, both before you leave and while you’re away. Unlike single-trip policies, annual travel insurance stays active all year long. You're protected across many trips without needing to reapply before each one.

How does annual travel insurance work?

When you buy a multi-trip policy, it’s active for an entire year. During that time, you’re protected for every eligible trip, no matter how many you take. Most policies require trips to be 30 days or less, but there’s no cap on how often you travel within the year.

When something unexpected happens—like a delayed flight, a medical emergency, or a lost bag—you can file a claim for reimbursement or use your policy’s assistance services to get help fast.

You'll typically need documentation ( like receipts, medical records, or proof of delay), and your insurance company will reimburse you for eligible expenses up to your policy limits.

Is travel insurance worth it?

It absolutely can be, especially if you travel more than once a year! An annual travel insurance plan gives year-round protection for a single upfront cost, which is often more cost-effective and convenient.

Multi-trip travel insurance is an excellent fit for the following people:

• Frequent business travelers
• Vacationers who take multiple trips each year
• Snowbirds or retirees splitting time between locations
• Consultants, remote workers, or digital nomads
• Anyone who wants peace of mind without reapplying before every trip

What does annual travel insurance cover?

Most multi-trip travel insurance policies include the following coverages:

• Trip cancellation and interruption – Reimbursement for prepaid, non-refundable expenses if your trip is canceled or cut short due to illness, injury, death in the family, natural disasters, or travel provider bankruptcy.
• Emergency medical coverage – Pays for medical treatment if you’re sick or injured while traveling. This is especially important if you're outside your regular health insurance network or in another country. 
• Medical evacuation and repatriation – Covers transportation to the nearest appropriate medical facility or back home in severe cases.
• Baggage loss, theft, or delay – Reimburses you for the value of lost or stolen items and helps cover essentials if your bags are delayed.
• Travel delay – Covers meals, accommodations, and other necessities if you're stuck in transit due to weather, strikes, or airline issues.
• Accidental death and dismemberment (AD&D) – Provides a financial benefit in the event of a serious injury or loss of life while traveling.
• 24/7 travel assistance – Access to emergency support services like medical referrals, translation help, rebooking, or lost document replacement.

How much does multi-trip travel insurance cost?

The price of an annual travel insurance policy depends on a few factors:

• Your age and health
• Your home state or country
• The maximum trip duration
• The level of coverage you choose
• Optional add-ons

For frequent travelers, an annual policy is typically a better value than buying separate policies for each trip. It’s a single investment that covers the entire year, so you’re ready for every adventure without the added paperwork.

Travel often? Travel covered.

Let’s help you find the right annual travel insurance policy so every trip you take this year is backed by solid protection and dependable support.

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