To qualify for a multi trip annual plan, one must actively maintain a US domestic health insurance plan such as Medicare, ACA or an individual or group medical plan; Medicaid, VA and STM plans do not qualify. Certain state restrictions also may apply.
Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Single trip travel medical insurance includes these essentials such as translation assistance during treatment, doctor and hospital referrals, and assistance replacing lost prescriptions.
Annual multi trip travel medical insurance policies provide for an unlimited number of trips in any given year with each trip duration limited from 30, 45 and up to 70 day max options that can be selected depending on the carrier chosen.
Coverage can be used for US Citizens/ Residents traveling worldwide, as well as foreign nationals visiting the United States, for most plans. Multi trip plans are paid up for one year term and are rewritten year after year, but if you are staying abroad longer than 70 days per trip duration, you may want to consider a worldwide major medical annual insurance policy. Multi trip travel medical insurance plans cover for illness, sickness, accidents, emergency medical evacuation, repatriation of remains, common carrier and general accidental death & dismemberment, bedside visitation of family, among other unique additional benefits. A few will cover acts of terrorism worldwide and high adventure sporting coverage options .
Common features: single (one off) trips with unlimited numbers of trips per annum and limited durations per trip up to 70 days; can be easily rewritten year after year online at time of expiration; no medical underwriting (guarantee issued), limitations on pre-exisiting conditions coverages; limitations on coverage back in home country; does require having a primary health insurance plan
Commons Uses: Individual or families taking leisure of vacation trips, traveling executives for short term work abroad, students traveling for semester abroad studies, missions / humanitarian travel
Do you travel frequently throughout the year for business or pleasure ? For possibly several weeks or months at a time ? Want to avoid the hastle of having to take out a single trip travel medical policy each and every time before your trip ? Afraid you'll forget to take it out in time or not at all ?
Never forget again, as multi trip travel medical insurance is "one and done" for unlimited international trips in any given year. Programs range from offering trip durations up to 70 days, coverage for pre-existing conditions and to be eligible you would need to maintain a primary health insurance plan stateside (ie; Medicare, ACA, or other primary or group medical plan)
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