Multi-Trip/Annual Plan
Year-Round Coverage for Frequent Travelers
If you take multiple trips each year, the Multi-Trip / Annual Plan is a cost-effective way to stay covered without purchasing a new policy every time you travel. Designed for frequent business travelers, families, and leisure explorers, this plan provides trip cancellation, interruption, emergency medical and baggage coverage for every trip you take within a 12-month period, both domestic and international.
Why Choose the Multi-Trip / Annual Plan?
• Convenience – One plan covers all your trips for a full year.
• Flexibility – Works for both domestic and international travel.
• Cost Savings – More affordable than buying a new policy for each trip.
• Great for frequent flyers, families and business travelers.
Key Benefits of the Multi-Trip / Annual Plan
Trip Cancellation & Interruption
Covers prepaid, unused, non-refundable expenses if you need to cancel or cut short a trip for a covered reason.
Trip Delay Coverage
Reimburses for meals, hotels, or transportation when a covered delay occurs.
Baggage & Personal Effects
Provides protection if your luggage or personal items are lost, stolen, or damaged.
Emergency Medical Coverage
Helps with unexpected medical expenses if you become ill or injured while traveling.
Emergency Evacuation
Arranges and covers transportation to the nearest suitable medical facility if required.
24/7 Assistance Services
Access round-the-clock travel and medical support anytime, anywhere.
Travel Smarter All Year Long
Travel Smarter All Year Long
Choose Your Level of Trip Cancellation Coverage
With the Annual Plan, you can customize the amount of trip cancellation coverage you need. The selected coverage applies to all trips taken within the one-year policy term, with a maximum aggregate limit.
Maximum Trip Cost
- Up to $2,500
- $2,501 – $5,000
- $5,001 – $7,500
- $7,501 – $10,000
Multi-Trip/Annual Plan Benefits and Coverages
| Benefits | Maximum Limit |
|---|---|
| Trip Cancellation | Up to 100% of Trip Cost |
| Trip Interruption/Delayed Arrival | Up to 100% of Trip Cost |
| Trip Delay | $1,000 ($200/day), after a 12+ hour delay |
| Missed Connection (outward journey only) | $500, after a 3+ hour delay |
| Baggage Delay (outward journey only) | $300, after a 24+ hour delay |
| Baggage and Personal Effects | $1,000 ($250 per article, combined limit of $500 for valuables) |
| Emergency Accident and Sickness Medical Expense | $25,000, $750 for Dental, no deductible |
| Primary or Excess Medical | Excess |
| Emergency Medical Evacuation and Repatriation | $250,000 (1) |
| Political or Security Evacuation | $100,000 (1) |
| Accidental Death and Dismemberment | $25,000 |
| Emergency Travel Assistance Services* | Included |
(1)Maximum of one (1) occurrence per year. *Provided by designated assistance provider.
Plan not available in all states. Terms, conditions and exclusions apply. Please see your plan for full details.
For more information about the best plan for your travel needs, contact our licensed, highly-rated customer service team at