Can I Buy a Year of Travel Insurance?
Understanding Annual Travel Insurance
Annual travel insurance, also known as multi-trip insurance, is a perfect option for those who travel often in a year. Unlike single-trip insurance, it provides ongoing coverage for multiple trips, giving you reassurance with each journey.
Purchasing a yearly travel insurance plan can save you time and effort, as you won't need to buy a new policy for each trip. This option is often more affordable than purchasing multiple single-trip policies. Coverage typically includes trip cancellations, medical emergencies, lost luggage, and personal liability, so you can travel with less worry.
Annual plans are particularly advantageous for frequent travelers, whether for business or leisure. If you anticipate taking several trips a year, an annual policy streamlines your travel preparations. However, it’s important to note that each family member will require their own separate plan for coverage. At WorldTrips, with Atlas MultiTrip®, you will have coverage for all trips of 30- or 45-days duration or less, based on the plan selected, outside your Home Country. Coverage is effective on the date you depart your Home Country and ends on the date you return to your Home Country.

What Does a Year of Travel Insurance Cover?
A year of travel insurance typically provides coverage for various travel-related issues such as accident and illness medical costs, lost luggage, travel delays, 24/7 travel assistance services and emergency medical evacuation. With an annual plan, you can relax knowing you have coverage for multiple trips, minimizing disruptions to your travel plans.
Be mindful of exclusions and limitations. Pre-existing medical conditions1 may not be covered, and some high-risk activities could require additional coverage. Always review the details to know what is included in your plan. For detailed information about the WorldTrips MultiTrip plan, refer to this document: Atlas MultiTrip Annual Travel Insurance Plan Details.
Coverage can vary based on your destination. Some countries have higher medical costs, which might influence the coverage you need. For instance, traveling to areas with expensive healthcare may require enhanced medical coverage. WorldTrips offers solutions to ensure you have appropriate protection for your travels, allowing you to explore freely.
Here are the costs for WorldTrips Atlas MultiTrip annual plans:
MultiTrip Plans for outside US: Annual coverage with trips for 30 days or less is $193.00 and coverage for trips of 45 Days or less is $236.00
MultiTrip Plans that include US Destinations: Annual coverage with trips for 30 days or less is $264.00 and for trips of 45 days or less is $323.00
Quote or purchase MultiTrip travel medical insurance plans.
Is Annual Travel Insurance Right for You?
When deciding on a year of travel insurance, consider how often you travel. If you take multiple trips a year for business or leisure, an annual policy might suit you well. It provides coverage for various trips without needing separate plans, ensuring you can travel with confidence.
Cost-effectiveness is another key factor. For those who travel frequently, yearly plans are usually more economical. Instead of paying for many single-trip policies, an annual plan allows unlimited travel for a fixed premium, typically saving you money and simplifying your insurance needs.
Your personal circumstances also matter. Annual plans like Atlas MultiTrip can provide necessary protection for remote areas or wherever your travels take you. However, if you have upcoming trips with higher risks, like adventurous activities, you may need extra coverage specific to those activities and comprehensive single-trip insurance plans like Atlas Journey® may be more suitable.
How to Choose the Best Annual Travel Insurance
Choosing the best annual travel insurance requires evaluating various factors. Start by reviewing the coverage options available. Look for a plan that includes medical coverage benefits that fit your needs. It's also important to check the provider's reputation for customer service and claims processing.
Understanding the policy's terms is essential. Read through the fine print to review any exclusions or limitations. Pay attention to coverage limits and claim conditions to avoid surprises during your travels.
Create a checklist of your travel needs to compare different annual travel insurance plans effectively. Consider your destinations, trip frequency, and any activities that might need extra coverage. Use this checklist to determine how well each plan fits your requirements. WorldTrips offers multi-trip travel insurance options tailored for frequent travelers, with competitive pricing and extensive coverage.

Making the Purchase: Steps to Buy Annual Travel Insurance
Buying multi-trip travel insurance online can be simple and ensures you're protected for all your trips throughout the year. Follow these steps to make your purchase:
Visit the WorldTrips’ MultiTrip quoter, where you'll find an easy-to-use interface. Start by selecting the annual travel insurance option, providing coverage for multiple trips within a year. Fill out the online application form with essential information like your name, birthdate, and travel destinations.
To find the best deal on your yearly plan, compare the available coverage options. Due to regulations, travel insurance never has promotions or discounts, so your best bet is to compare plans based on coverages, deductibles, and plan maximums to get the best value for your situation.
By following these steps, you can confidently purchase your annual travel insurance online to help provide peace of mind for your upcoming journeys.
1 Pre-existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, treated, or disclosed to us prior to the effective date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.
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WorldTrips international travel medical insurance products are underwritten by Lloyd's. WorldTrips is a service company and a member of the Tokio Marine HCC group of companies. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.