

For example, this means that if your policy has a 30-day limit and you get injured on day 31, you won’t receive medical coverage for that injury because it falls outside of the trip-length limit. These trip-length limits vary by policy, ranging anywhere from 30 to 90 days. You also need to be aware that yearly policies typically have trip-length limits, meaning they limit the number of consecutive days in one trip that they’ll cover (this isn’t an issue with per-trip policies). However, we’ve found a few annual plans that do include this clause. In contrast, per-trip travel insurance policies almost always include trip cancellation benefits. Many annual policies don’t cover trip cancellation coverage.

But did you know that several major insurance companies provide annual trip insurance plans? These plans can cover you, a spouse, and even your entire family if you want to insure multiple trips during the year - for huge savings compared to insuring each trip separately.

Most people consider getting trip insurance for a single vacation.
