Annual Travel Insurance for Multiple Trips in a Year
Coverage for the Trips You Take This Year
Annual Travel Insurance for Frequent Travelers
If you travel internationally more than once a year, you already know the friction. Searching for coverage, filling out forms, and second-guessing which option to choose all happen before you have even packed a bag. Annual travel insurance helps simplify that process.
With one purchase, you get 12 months of international travel medical coverage that applies to each eligible trip you take. There is no need to reapply and no need to arrange coverage for every trip outside your home country.
Atlas MultiTrip™ from WorldTrips is designed for frequent travelers who want consistent travel medical coverage across multiple international trips without managing separate coverage each time.
for 30-day trips
*Pricing varies based on age, destination, and duration
for 30-day trips
*Pricing varies based on age, destination, and duration
Who Is Annual Travel Insurance For?
Frequent Vacationers
Already have two or three trips on the calendar — and probably more on the horizon? Annual coverage means you're never scrambling for insurance before departure.
Business Travelers
Regular international trips for conferences, client meetings, or site visits don't always leave time to shop for a new policy. One annual plan keeps you covered all year long.
Remote Workers & Digital Nomads
Real people. Real support. Any hour, any time zone — when you actually need someone to pick up the phone.
Spontaneous Travelers
Booked last-minute flights, then worry about insurance? With an annual plan already in place, you're covered the moment you depart — no pre-trip purchase required.
Atlas MultiTrip™ — Annual Travel Medical Insurance from WorldTrips
Atlas MultiTrip provides travel medical coverage for unlimited international trips within a 12-month period. Each trip can be up to 30 or 45 days (you choose at purchase).
Here's a snapshot of what's included:
Benefit |
Coverage |
|---|---|
| Overall Medical Maximum | Up to $1,000,000 |
| Emergency Medical Evacuation | Up to $1,000,000 |
| Lost Checked Luggage | Up to $1,000 |
| Travel Delay | Up to $100/day (after 12-hour delay) |
| Political Evacuation | Up to $100,000 |
| Crisis Response | Up to $10,000 |
| Natural Disaster Accommodations | Up to $250/day for 5 days |
| Personal Liability | Up to $25,000 |
| Emergency Dental | Up to $300 |
| Deductible | $250 per covered trip |
| 24/7 Travel Assistance | Included |
This is a summary. Please review the full plan documents for complete terms, conditions, and exclusions.
How Annual Travel Insurance Works
Think of it as a subscription for year-round travel coverage. Here's the structure:
Coverage period: 12 months from your selected start date — you can purchase before a trip, on the day you leave, or even after you've departed.
Number of trips: Unlimited. Take as many international trips as you want during the coverage period.
Trip length: Each individual trip is covered for up to 30 or 45 days — you choose which option at purchase.
How coverage activates: Automatically, when you depart on an eligible international trip. Nothing to activate, no forms to file before you go.
The result: travel is simpler. You stop treating insurance as a pre-trip to-do and start treating it as part of how you travel.
Annual Travel Insurance in Action — Real Scenarios
These are the kinds of situations Atlas MultiTrip is built to handle:How Many Trips Do I Have To Take To Make Annual Travel Insurance Worth It?
For most frequent international travelers, yes — and the math is pretty clear.
Purchasing travel medical coverage for each trip can add up quickly. If you take three or more international trips per year, the total cost of separate coverage may exceed the cost of an annual plan. An annual option also reduces the need to arrange coverage before every departure.
That said, annual travel medical insurance is not designed for every travel scenario. Atlas MultiTrip focuses on medical coverage and includes a limited trip interruption benefit of up to $10,000.
This benefit may help cover the cost of one-way return transportation in specific situations, such as a medical evacuation that requires continued care in your home country, significant damage to your home, or the death of a close family member.
However, it does not include trip cancellation coverage. If you are planning a high-cost trip with nonrefundable expenses, you may want to consider pairing an annual plan with a single-trip option that includes cancellation benefits, or explore WorldTrips' trip protection options.
Annual travel insurance tends to be the right call if you:
- Travel internationally two or more times per year
- Primarily want protection against unexpected medical emergencies abroad
- Book trips with less lead time and don't want to arrange coverage each time
- Want consistent coverage without managing multiple policies
A single-trip plan may be the better fit if you:
- Travel internationally once a year or less
- Have a long trip (over 45 days) coming up
- Need robust trip cancellation coverage for a high-value, nonrefundable booking
Annual vs. Single-Trip Travel Insurance
Annual Travel Insurance |
Single-Trip Insurance |
|
|---|---|---|
| Trips covered | Multiple per year | One trip |
| Best for | Frequent travelers (2+ international trips/year) | Occasional travelers |
| Coverage focus | Travel medical + select supplemental benefits | Can include full trip cancellation, interruption, and more |
| Purchase frequency | Once per year | Before each trip |
| Cost per trip | Lower when traveling frequently | Higher across multiple trips |
| Convenience | Arrange once, depart anytime | Requires action before every trip |
24/7 Travel Assistance — Included with Every Atlas MultiTrip Plan
Atlas MultiTrip customers have access to travel and medical assistance services 365 days a year, with emergency assistance available around the clock.
When something goes wrong abroad, you don't just get a claims process — you get a team actively helping you navigate the situation. Services include:
- Medical provider, hospital, and pharmacy referrals
- Emergency medical monitoring and case management
- Translation and interpretation assistance
- Help replacing lost or stolen passports and travel documents
- Embassy and legal referrals
- Emergency cash transfer coordination
How Many Trips Does It Take to Make Annual Travel Insurance Worth It?
It depends on how often you travel, how long your trips are, and where you’re going. Here’s a practical way to evaluate it:
Frequency
If you take two or more international trips per year, an annual plan can start to make sense from both a cost and convenience standpoint. At three or more trips, it is often a more efficient option than purchasing coverage for each trip individually.
Trip Length
Single-trip coverage typically increases with trip duration. If your trips regularly last two to four weeks, annual travel insurance can offer better overall value compared to buying coverage each time.
Destination
Healthcare costs vary widely by destination. Travel that includes higher-cost regions, such as the United States, can increase the cost of coverage and make an annual plan more appealing for frequent travelers.
Cost Comparison Example
Pricing can vary based on destination and trip duration, but here is a general benchmark:
- Excluding the U.S.: Plans start at $193 for 30-day trips and $236 for 45-day trips
- Including the U.S.: Plans start at $264 for 30-day trips and $323 for 45-day trips
When compared to purchasing multiple single-trip policies throughout the year, these costs can add up quickly. An annual plan may provide a more streamlined and cost-efficient option if you travel frequently.
Not sure which option fits your travel plans? You can get a quote in just a few minutes and compare single-trip and annual pricing based on your specific itinerary.
WorldTrips Annual Travel Insurance — Why Travelers Choose Us
WorldTrips has been providing international travel medical insurance since 1998. Atlas MultiTrip is underwritten through Tokio Marine HCC, one of the world's leading specialty insurance groups.
- Recognized by Forbes Advisor as one of the Best Travel Insurance Companies
- Named Best Travel Insurance Company of 2024 by USA Today
- Featured in CNN Underscored, Condé Nast Traveler, NerdWallet, and more
- 24/7 emergency assistance backed by a global network of medical and travel professionals
- In business for over 25 years serving international travelers worldwide
Annual Travel Insurance vs. Nomad Insurance — Which Is Right for You?
If you're a remote worker or digital nomad, both plans may seem like a fit. Here's how to tell them apart:
Atlas MultiTrip is designed for travelers who take repeated shorter international trips — up to 30 or 45 days each — across a 12-month period. It's ideal if you work primarily from home but travel internationally multiple times a year.
Atlas Nomads is designed for non-U.S. residents who are living and working abroad for extended periods — months at a time, or potentially a full year. It offers continuous coverage with monthly payment flexibility, so you're not locked into a full year if your plans are uncertain.
The key question: are you taking trips from a home base, or are you living abroad for long stretches? The answer points you to the right plan.
Looking for a Different Type of Plan?
Atlas MultiTrip might not be the right fit for every traveler. Here are WorldTrips' other options:
International Travel Medical Insurance (Atlas Travel)
Taking one trip abroad? Atlas Travel covers unexpected illness and injury, medical evacuation, and more for a single trip.
Atlas Premium
Need the highest coverage limits available? Atlas Premium offers WorldTrips' most robust medical maximums for shorter international trips.
U.S. Visitor Medical Insurance (Atlas America)
Visiting family or friends in the United States? Atlas America covers unexpected medical expenses in the U.S., where healthcare costs are among the highest in the world.
Group Travel Insurance
Traveling internationally with five or more people? Atlas Group offers coordinated coverage for the whole group at a reduced rate.
Frequently Asked Questions About Annual Travel Insurance
What is annual travel insurance? Annual travel insurance — also called multi-trip travel insurance — covers multiple international trips within a 12-month coverage period under a single plan. Instead of purchasing coverage before each trip, you buy once and every eligible departure is protected.
How much does annual travel insurance cost? Pricing depends on your destination and selected trip length. As a general guide:
- Plans excluding the United States start at $193 for a 30-day trip limit and $236 for a 45-day limit
- Plans including the United States start at $264 for a 30-day trip limit and $323 for a 45-day limit
Costs may vary based on your age, coverage selections, and other factors. You can get a quote to see exact pricing based on your travel plans.
How many trips does Atlas MultiTrip cover? Unlimited trips within your 12-month coverage period, as long as each trip is within your chosen maximum trip length (30 or 45 days).
How long can each trip be? You choose at purchase: either 30-day or 45-day maximum per trip. Trips that exceed your chosen maximum would not be covered under the plan for the duration beyond that limit.
Does Atlas MultiTrip include trip cancellation coverage? Atlas MultiTrip is a travel medical insurance option and does not include trip cancellation coverage for pre-departure cancellations. If you are booking a trip with nonrefundable expenses and want cancellation protection, you may want to consider a trip protection plan.
Can I purchase Atlas MultiTrip if I've already left home? Yes. You can purchase your Atlas MultiTrip plan before your trip, on the day you leave, or after you've departed. Coverage begins on your selected effective date.
Does annual travel insurance cover pre-existing conditions? Standard pre-existing conditions1 are excluded. However, Atlas MultiTrip includes an Acute Onset of Pre-Existing Condition benefit1, which can cover sudden and unexpected flare-ups of a pre-existing condition (up to the plan maximum for medical; up to $25,000 for evacuation), provided you meet all benefit conditions. See the plan documents for full details.
Is annual travel insurance worth it? For travelers taking two or more international trips per year, annual multi-trip travel insurance is typically more cost-effective and more convenient than purchasing separate coverage for each trip. It's especially valuable if your primary need is protection against unexpected medical emergencies abroad.
Can I buy annual travel insurance as a non-U.S. citizen? Atlas MultiTrip is available to residents of most countries. Your eligibility and coverage details may vary based on your country of residence. Get a quote to see options available to you.
Does annual travel insurance automatically renew? No. Atlas MultiTrip does not automatically renew at the end of your coverage period. You'll need to purchase a new plan when your current coverage expires.
What is the difference between annual travel insurance and nomad insurance? Annual travel insurance (Atlas MultiTrip) covers multiple shorter trips — up to 30 or 45 days each — over 12 months. Nomad insurance (Atlas Nomads) is designed for extended continuous stays abroad, with month-to-month payment flexibility. The right choice depends on whether you're taking trips from a home base or living abroad for extended periods.
What are the specific plan types and options available within annual travel insurance to suit different traveler needs?
WorldTrips’ Atlas MultiTrip is an annual plan designed for frequent international travelers and can cover multiple preplanned or last-minute international trips during a 12-month period. Travelers choose coverage for trips up to either 30 or 45 days each, with a $1,000,000 overall maximum limit, $1,000,000 maximum per injury or illness, and a $250 deductible per covered trip.
How does annual travel insurance handle travel restrictions and eligibility related to travel bans or dates?
Annual travel insurance generally only covers eligible trips and events that occur after your coverage begins, which means timing, travel advisories, and known restrictions can affect eligibility and benefits.
Atlas MultiTrip coverage depends on when you purchase your policy and when your trip takes place. Coverage applies only during eligible trips within your policy period and begins when you depart your home country. Timing matters—especially when it comes to known events like travel restrictions or government advisories.
If a coverage alert or travel advisory is issued, eligibility will depend on when that event occurs relative to your coverage and travel dates. For example, certain benefits require that an advisory or triggering event be issued after coverage is already in effect or after you have departed. Conversely, the policy may limit or exclude coverage where a relevant event such as a government or CDC warning was already known prior to the policy effective date, or where the traveler does not take reasonable action following a new advisory. For this reason, travelers should review any coverage alerts and policy terms before purchasing coverage or traveling to an affected destination.
Atlas MultiTrip annual coverage is subject to eligibility, effective dates, trip-duration limits, and policy exclusions. Atlas MultiTrip coverage applies during eligible international trips outside the traveler’s home country and ends when the traveler returns home. WorldTrips identifies coverage alerts for known events and war-related exclusions, so travelers should review any coverage alerts and policy terms before purchase, as eligibility may depend on whether a relevant event was already known prior to the policy effective date or occurs after coverage is in force or travel has begun.
Pre-existing Conditions are excluded except for an applicable Acute Onset of a Pre-existing Condition.
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. This applies whether or not the condition was previously manifested, symptomatic, known, diagnosed, treated, or disclosed, and includes any subsequent, chronic, or recurring complications or consequences related to the condition.
An Acute Onset of a Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).