How does Multi Trip Travel Insurance work? Full guide 2023
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Multi trip travel insurance is vital for people who travel often. It covers many trips under one plan, protecting against unexpected problems like medical issues, trip cancellations, and more.
It's cost-effective because you don't need separate insurance each time you travel. This way, you save money and have peace of mind during all your journeys. But how do you choose the best plan?
In this guide, we take you through how multi-trip travel insurance works, why you should get it, who it's best for, and even pricing information. You can use our comparator to compare plans, coverages, and get free personalised quotes for the best multi trip travel insurance Canada plans in just seconds.
Multi Trip Travel Insurance Canada: 6 Key Takeaways
- Multi trip travel insurance (annual travel insurance) covers an individual for various trips within a specified period.
- The maximum number of trips and the duration of each trip are policy-dependent variables.
- Some policies might require a minimum level of medical coverage before purchase.
- There are two types: Annual Multi-Trip Insurance & Specific Trip Multi-Trip Insurance.
- Certain add-ons like trip cancellation or interruption coverage, could require an additional premium.
- Compare plans from various providers and get free quotes using HelloSafe comparator.
What's multi trip travel insurance?
Multi-trip travel insurance is a type of travel insurance that covers you for multiple trips within a specified period of time, typically one year. This can be a good option for people who travel frequently, as it can save them money on the cost of insurance.
When choosing a multi-trip travel insurance policy, read the terms and conditions carefully to make sure that you are covered for all of the risks that you are concerned about. You should also compare policies from different insurers to find the best deal.
Here are some things to keep in mind:
- The maximum number of trips and the maximum length of each trip will vary depending on the policy.
- Some policies may require you to have a certain level of medical coverage before you can purchase them.
- You may need to pay an additional premium for certain add-on benefits, such as cancellation or interruption cover.
If you'd like to compare coverages of multiple travel insurances all you need to do is use our free comparator tool below. The HelloSafe comparator also lets you get free personalised quotes from multiple travel insurances in seconds so you can decide on a plan that suits you best.
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What is annual multi trip travel insurance?
There are two main types:
- Annual multi-trip insurance (or travel insurance annual multi trip): This type of policy covers you for an unlimited number of trips within a specified period of time, typically one year. Multi-trip annual travel insurance is a good option for people who travel frequently and need comprehensive coverage.
- Specific trip multi-trip insurance: This type of policy covers you for a specific number of trips within a specified period of time. It is a good option for people who know how many trips they will be taking in the next year.
What does multi trip travel insurance cover?
The specific coverage that is included in a policy will vary depending on the insurer, but some common benefits include:
- Medical expenses
- Trip cancellation or interruption
- Baggage loss or damage
- Emergency medical transportation
- Personal liability
- Cancellation of events
- Missed connections
- Passport replacement
What is not covered by multi trip travel insurance?
The coverage that is not included under travel insurance multi trip plans varies based on policy, but some common exclusions are:
- Pre-existing medical conditions: If you have a pre-existing medical condition, you may not be covered for any related expenses during travel.
- War, terrorism and civil unrest: If you travel to a country that is under war, terrorism or civil unrest, you may not be covered for any losses or expenses as a result.
- Dangerous activities: If you participate in activities like skydiving or bungee jumping, you may not be covered for any injuries or losses that occur.
- Loss or damage to your own belongings: Your own belongings are not typically covered. However, some policies may offer limited coverage for loss or damage to certain items, like laptops, cameras.
- Delays or cancellations caused by the policyholder: If your trip is delayed or cancelled due to something that you did, such as missing your flight, you may not be covered for expenses.
- Claims that are not made in a timely manner: Most travel insurance policies have a time limit for filing claims. If you do not file your claim within the time limit, you may not get reimbursed.
Good to know
The coverages might change based on destinations as well. For instance, multi trip travel insurance uk plans may not be the same as that of USA or Schengen region of Europe.
What is the best multi trip travel insurance in Canada?
The best multi-trip travel insurance in Canada will vary depending on your individual needs and circumstances. However, some of the most popular and reputable providers in Canada include:
- CAA multi-trip travel insurance
- Allianz annual multi-trip travel insurance
- Blue Cross multi-trip travel insurance
- Manulife multi-trip travel insurance
CAA multi trip travel insurance
CAA travel insurance offers: Multi-Trip Medical Plan and Multi-Trip Vacation Package Plans. The Multi-Trip Medical Plan is available for periods of 4, 8, 15, 30 or 60 days, covering multiple trips within your policy year, while the latter is available for periods of 4, 8, 15 or 30 days.
Multi-Trip Medical Plan offers:
- Emergency medical treatment with a maximum limit of $5 million
- COVID protection
- Hospital accommodations, laboratory tests, X-rays and ground ambulance services
- Coverage for emergency dental expenses
- Arrangements for medical repatriation
- Post-repatriation medical follow-up within Canada
- Reimbursements and aid for vision care, hearing aids, pet care and kenneling
- Access to Virtual Emergency Medical Assistance and House Call Service
CAA Multi-Trip Vacation Package Plan offers:
- Emergency medical treatment with a maximum limit of $5 million
- COVID protection
- Insurance for Trip Cancellation and Interruption
- Travel Accident Insurance with coverage up to $150,000
- Baggage and Personal Effects Insurance with coverage up to $1,500
- Compensation for baggage delay up to $500
- Reimbursement for lost documents up to $250
- Access to Virtual Emergency Medical Assistance and House Call Service
For example
CAA plans starts at $119 per year for a basic policy that covers medical expenses up to $5 million, trip cancellation or interruption and lost luggage.
Allianz annual multi trip travel insurance
Allianz travel insurance has four plans for annual travel insurance:
| Plan name | Coverage features of Allianz travel insurance multi trip plan |
|---|---|
| AllTrips Basic | Year-round protection Emergency medical care and transportation benefits Trip delay coverage Baggage protection Rental car insurance 24/7 assistance hotline for travel-related emergencies |
| AllTrips Prime Plan | Economical coverage for a full year of travel (multi trip annual travel insurance) Trip cancellation ($3,000 annual maximum) and interruption protection Emergency medical assistance Coverage for lost, stolen or delayed baggage Insurance for rental car collision/loss damage |
| AllTrips Executive Plan | Tailored for frequent business travellers Higher trip cancellation and interruption limits (up to $10,000 annual maximum) Coverage for lost, stolen or delayed baggage Protection for rented business equipment |
| AllTrips Premier Plan | Comprehensive coverage and concierge service for a full year of global travel Covers individuals or households Three tiers of annual trip cancellation coverage (up to $15,000 maximum) |
For example
Allianz's annual multi-trip travel insurance starts at $159 per year for a basic policy that covers medical expenses up to $5 million, trip cancellation or interruption and lost luggage.
Blue Cross multi trip travel insurance
Just like CAA, Blue Cross travel insurance offers two packages: Annual Medical and Annual Package Plus. Both Annual Travel plans offer a range of per-trip maximum durations to choose from, including 4, 8, 17, 31, 60, 90, 120, 150 or 180 days. You have the flexibility to take as many trips as you want within the year, as long as each trip falls within your selected maximum duration.
Both plans provide the following coverage:
- Emergency medical care of up to $5,000,000 per trip
- Coverage for hospitalization fees
- Professional fees for healthcare professionals such as nurses and physicians, related to emergency medical treatment
- Reimbursement of up to $2,000 for emergency dental treatment resulting from an accident
- Emergency repatriation when deemed necessary by the travel assistance medical team and the attending physician at the destination
- Arrangements for the return of your travelling companion and/or family members covered by the same policy
- Compensation of up to $3,000 for accommodation and meal expenses in case your return is delayed due to a medical emergency
- Medical follow-up in Canada after repatriation is included as well
For example
Blue Cross plans start at $129 per year for a basic policy that covers medical expenses up to $2 million, trip cancellation or interruption and lost luggage.
Manulife multi trip travel insurance
Manulife travel insurance has two plans: the Emergency Medical Plan and All-Inclusive Plan.
The Emergency Medical Plan has the following key features:
- Benefit from emergency medical benefits of up to $10 million
- Encompasses a broad spectrum of potential hazards — from ambulance transport to paramedical services
- Secure coverage for trips lasting 4, 10, 18, 30 or 60 days — and have the option to extend for longer trips if necessary
Manulife’s All-Inclusive Plan’s features are:
- Benefit from emergency medical benefits of up to $10 million
- Receive up to $3,500 per insured individual per trip and up to $6,000 per policy for trip cancellation/interruption benefits
- Includes insurance for baggage loss, damage and delay
- Provides coverage for flight and travel accidents
- Secure coverage for trips lasting 4, 10, 18 or 30 days — and have the option to extend for longer trips if necessary
For example
Manulife plans start at $149 per year for a basic policy that covers medical expenses up to $1 million, trip cancellation or interruption and lost luggage.
You can compare the coverages of the best multi-trip travel insurance plans in Canada and get quotes tailored to your specific needs using our free comparator tool below. It's completely free and gives you access to over 20 quotes in a few moments.
Compare the best travel insurance plans on the market!
How does multi trip travel insurance for seniors differ from normal policy?
Multi trip travel insurance for seniors is similar to regular plans, but it may have some additional features that are specifically designed for older travellers. These features may include:
- Higher medical coverage limits
- Coverage for pre-existing medical conditions
- Coverage for emergency medical evacuation
- Coverage for longer trips
- Coverage for more expensive activities
The cost of multi-trip travel insurance for seniors may be higher than that of younger adults, but it is important to factor in the additional risks that seniors face when travelling.
