Multitrip

Multitrip is a term used in travel insurance to describe a policy that covers multiple trips within a single policy period, usually 12 months, for a single premium. Unlike single-trip policies that cover only one journey, multitrip policies allow the insured to take several trips without purchasing a new policy each time. Per-trip limits vary; most policies cap the maximum duration of any single trip (for example 30, 45, 60, or 90 days) and may impose an annual cap on days or number of trips, depending on the provider.

Coverage generally mirrors standard travel insurance: medical emergencies and medical repatriation, trip cancellation and interruption, baggage and personal belongings, travel delays and missed connections, and emergency assistance services. Some policies also include coverage for pre-existing medical conditions, but this often requires a waiver, medical underwriting, or a stabilization period. Pre-existing condition provisions can differ significantly between insurers and jurisdictions.

Eligibility and exclusions vary by insurer and region. Premiums for multitrip policies are typically higher than those for annual single-trip coverage if the per-trip limits are generous, but can be less expensive than buying multiple single-trip policies for several trips. People commonly use multitrip policies for frequent travelers, short-duration trips, or those who travel with little advance planning.

To choose a multitrip policy, travelers should compare per-trip limits, total annual limits, covered destinations, excluded activities, pre-existing condition provisions, claim processes, and the policy’s network of providers. Reading the policy wording carefully helps determine what is and is not covered, and whether the plan fits the traveler’s itinerary and risk tolerance.