Travel medical policies come in two different varieties: single-trip and multi-trip.
A single trip is when you are leaving home, traveling for a time, then returning home. It doesn't matter if you will be going to multiple countries. This is still considered to be a single trip, as you will be leaving home and returning home only once.
Multi-trip coverage is purchased on an annual basis. These policies cover you for the period of one calendar year beginning on the effective date you enter when getting a quote or purchasing coverage. They provide protection when you leave home and return home multiple times over the course of the year.
There are a few things to keep in mind though:
- Multi-trips will always have a limit on how long each trip can be. So no matter how many trips you may take over the course of the year, none can be longer than that number of days or the coverage will end and any further travel will not be covered by the multi-trip policy until you have returned home and left again. The amount of time covered will range from 30-75 days depending on the company.
- All multi-trip policies require that you have primary health insurance in place in the US in order to provide you with coverage. If you do not have health insurance they will not cover you.
- The multi-trip policies available at Insure My Trip are designed to cover only medical emergency and emergency medical evacuation. Accidental Death coverage can also be purchased on a multi-trip basis, but that's an elected option offered on most of the Accidental Death policies. There is no coverage provided for trip cancellation or delay of travel. Certain medical multi-trip policies will cover baggage loss, but only for a small amount and only for checked baggage.