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What Are Annual & Multi-Trip Travel Insurance Plans?

If you’re a frequent traveler, buying a new travel insurance policy for every trip can get repetitive and costly. That’s where annual and multi-trip plans come in. 

These annual plans cover you for a full year, no matter how many trips you take, with limits on trip length and cost.

Who Should Consider an Annual Plan?

  • Travelers taking 3+ international trips per year

  • Business travelers with multiple overseas meetings

  • Retired couples traveling abroad several times a year

  • Mission trip leaders with ongoing travel responsibilities

Key Features

  • Unlimited trips during the year (within plan rules)

  • Trip length: Usually covers trips up to 30–90 days per trip

  • Trip cost coverage: Choose your aggregate coverage amount (commonly $5,000, $7,500, or $10,000 per person per year)

  • Medical and evacuation benefits included

  • Flat premiums: Pricing doesn’t increase based on age bands

Example: Allianz Annual Executive Plan

  • $5,000 aggregate → $510 per person annually

  • $7,500 aggregate → $635 per person annually

  • $10,000 aggregate → $805 per person annually

👉 If you have a $10,000 trip, you’d select the $10k option to be fully covered. If your trip cost is lower (say $5,000), you still have protection for that amount.

Important Note

  • If a trip costs more than your selected annual coverage, you can either:

    • Insure part of it under the annual plan, or

    • Add a single-trip plan for the remaining cost.

How to Get an Annual Plan Quote

  1. Visit our Annual & Multi-Trip Plans page.

  2. Select your desired aggregate trip cost.

  3. Submit the quote form for customized pricing and plan details.

⚖️ Important Information
This article is provided for general informational purposes only and does not guarantee coverage or benefit eligibility. Travel insurance plans vary by provider, and all benefits are subject to the terms, conditions, limitations, and exclusions of the policy purchased.

ICI Traveler is not the insurance carrier or claims department and cannot determine claim outcomes. All coverage decisions, claim approvals, and reimbursements are made solely by the licensed insurance company or claims administrator identified in your policy documents.

We encourage every traveler to review their complete policy documents to fully understand their coverage.

💙 Need Help? The ICI Traveler Team Is Here for You
We're here when you need us. Before reaching out, we encourage you to explore our 🔎 Help Center, where you'll find
answers to hundreds of common travel insurance questions, coverage explanations, travel tips, and policy guidance.

📧 For general questions and non-urgent support: support@icitraveler.com

📞 For urgent questions or assistance before or during your travels: (800) 576-2674 / (719) 573-9080

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