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Annual Multi-trip Travel Insurance
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For frequent travelers.
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Annual multi trip travel medical insurance plans are meant for frequent travelers such as executives who travel to
different destinations throughout the year but each trip is not of a long duration. Different plans have a limitation
of 30 days, 45 days, 70 days and so on for each trip.
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 After deductible, pays 100% to policy max
In the U.S., 20% coinsurance for first $5,000 applies when visiting outside
the PPO network or not billed directly.
Outstanding Restrictions
Details:
Brochure
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Certificate Wording
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Optional Coverages
Direct Billing: Through First Health and PHCS PPO Network (Within the U.S.)
Paper Application
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Country Restrictions
Covers anywhere outside home country including during travel
From HCC Medical Insurance Services (HCCMIS) / Lloyds
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Maximum length for each trip - 30 days
Must maintain medical coverage in home country
Not available in NY
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After deductible, pays 100% to policy max
Details:
Brochure
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Certificate Wording
Paper Application
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Country Restrictions
Covers anywhere outside the U.S. including during travel
From HTH Worldwide / HM Life Insurance Company
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Maximum length for each trip - 70 days
A few benefits are higher than TravelGap MultiTrip Silver
Not available in MA, MD, MN, MT, NH, NC, OR, SD, VT
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After deductible, pays 100% to policy max
Details:
Brochure
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Certificate Wording
Paper Application
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Country Restrictions
Covers anywhere outside the U.S. including during travel
From HTH Worldwide / HM Life Insurance Company
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Maximum length for each trip - 70 days
Not available in MA, MD, MN, MT, NH, NC, OR, SD, VT
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U.S./Canada: After deductible, pays 90% to $5,000, then 100% to policy max
Outside U.S./Canada: After deductible, pays 100% to policy max
Details:
Brochure
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Program Summary
Direct Billing: Through Hygeia/First Health PPO Network
Paper Application
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Country Restrictions
From Seven Corners / Insurance Company of State of PA
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Must maintain medical coverage in home country
Not available in ID, WA
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