Multi-Trip Annual Travel Insurance


Do you travel several times a year? Multi-trip annual travel insurance is designed with you in mind. By taking out insurance covering several trips over the same year, you can avoid having to purchase an insurance policy for each trip. You’ll be saving both time and money.

HOW IT WORKS

When you purchase multi-trip insurance, you need to provide only the dates of your first trip and the maximum number of days you want to cover for a single trip. Knowing the duration of the longest trip you plan to take over the course of the year is important. You will be insured for an unlimited number of trips, as long as they don’t last longer than the maximum you’ve chosen.

For example, if you opt for an eight-day multi-trip travel insurance policy, you can make as many trips during the year as you want, as long as they are eight days or shorter.

WHAT IS INCLUDED IN ANNUAL TRAVEL INSURANCE

This insurance, like emergency medical insurance, protects you against medical emergencies when you travel. The only difference is that your annual protection means you can travel multiple times in a single year. In both cases, you will be covered for any urgent health problems that strike while abroad.

Covered costs include:

Hospitalization feesMedical careDiagnostic servicesMedical prescriptionsEmergency dental careAmbulanceEmergency repatriation24/7 emergency assistance, and many other guarantees

WHAT HAPPENS IF MY TRIP IS LONGER THAN THE NUMBER OF DAYS COVERED BY MY POLICY?

Do you expect to spend a longer time abroad than your policy covers? Don’t worry. In general, it’s easy to add a certain number of days to your insurance policy. To add days to your annual policy, speak with one of our agents.

WHO THIS POLICY IS FOR

By offering more flexibility than a conventional travel insurance policy, multi-trip insurance can meet the needs of certain travellers, who:

Don’t know their destination;

Don’t know when they leave;

Regularly visit the US or another country for a quick jaunt (shopping, sports, and other activities);

Plan to make more than one trip for an all-inclusive destination during the year (Cuba, Mexico, Dominican Republic);

Enjoy leaving at the last minute;

Live close to other countries or provinces and regularly cross the border.

MULTI-TRIP INSURANCE FOR CANADIANS TRAVELLING TO OTHER PROVINCES

Travellers are becoming increasingly aware of the importance of travel insurance when they leave Canada. However, many Canadians don’t realize the importance of coverage when they visit another province. While healthcare in another province is covered, many other fees, such as medical prescriptions, ambulance transportation, and emergency dental care, are not.

If you leave your province, don’t take chances: Purchase travel insurance.

Some insurers even offer an annual insurance policy that will cover you for an unlimited number of days in Canada.

ALL-INCLUSIVE MULTI-TRIP TRAVEL INSURANCE

Do you want multi-trip travel insurance, but also more complete coverage? We offer all-inclusive annual insurance, which, in addition to covering medical emergencies, also includes trip cancellation coverage and luggage insurance. You can therefore benefit from complete protection for yourself, your property, and your financial investment.

Read our page about all-inclusive travel insurance to learn more.

Take advantage of the flexibility and savings offered by multi-trip insurance. By comparing quotes from several insurance providers, we can help you find the right insurance for your needs.

Frequently Asked Questions About Travel Insurance

Why is it important to have trip cancellation coverage?

Too many people leave on vacation thinking that nothing serious can happen. Sadly, that long-anticipated trip can suddenly not happen or turn into a nightmare. A divorce, job loss, serious illness, or even the death of a loved one could suddenly interrupt your trip. What would happen if your airline or cruise line went bankrupt? What would you do if your passport and wallet were stolen during your trip? What about cancelled flights, missed connections, lost luggage and acts of terrorism? And what if you suddenly get sick at your destination?That is why it is important to purchase insurance that covers financial losses related to non-refundable expenses, such as prepaid purchases.

Why do I need coverage when I travel?

An accident or emergency can happen anywhere. If you need medical care in another country or in another Canadian province, your government health plan may pay only a portion of the costs. Travel medical insurance starts where these plans end. It provides coverage for unforeseen problems, from a cancelled flight to a serious illness, and even such rare cases as an act of terrorism or the bankruptcy of a supplier. If an illness, accident, or other insured unforeseen circumstances forces travellers to cancel or interrupt their plans, they face two major financial losses: the money invested in non-refundable prepayments and medical expenses that in many instances may not be covered by health plans.

Doesn't my credit card provide coverage for me when I travel?

We recommend that you carefully review the coverage provided by your credit card issuer, as well as any conditions or stipulations before you leave.

Doesn't my government health care plan cover me?

When you travel outside Canada, you leave up to 90% of your government coverage behind. Government plans also typically cover only a limited portion of medical costs once you leave your home province or territory, even if you are still in Canada. Many provincial health plans do not provide payment directly to foreign hospitals. They may have a deductible and/or not cover the cost of emergency medical transportation. Emergency assistance services offered by insurers are there to help direct you to the right hospital and make sure you receive the proper medical care.Your government health coverage does not provide such extensive services 24 hours a day, nor does it provide upfront payment for emergency medical care. In addition, government plans do not guarantee coverage for special care such as air ambulance or emergency dental services.

When should I purchase?

We strongly recommend that you purchase coverage before departure. Although some of our insurers will cover you if you are already on your trip, they may exclude any pre-existing medical conditions, limit the amounts payable on your policy or impose a large deductible.

Can I extend my coverage if I prolong my trip?

You can extend your coverage at any time if you prolong your trip.

Are any events or medical conditions not covered?

Every insurance plan contains restrictions and exclusions. For more information, review the terms and conditions of the products that interest you. You can also contact SecuriGlobe for more detailed information. Feel free to mention any concern when you call us for your quote.

Why buy through Better Travel Insurance?

As a broker, we take the frustration out of buying insurance by comparing 14 leading insurers including Blue Cross, CUMIS, MedGuard, TuGo, Manulife, Royal and Sun Alliance, and MediGlobe. Since protection packages are compared side by side, you get the best price every time. Furthermore, there are no additional administration or hidden fees. We knows that insurance can be intimidating, so in addition to our online quote engine, we also have representatives standing by to take your call, to answer your questions, make recommendations and even confirm your coverage.

How Can Travel Insurance Make Your Next Vacation Special?

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