Annual multi-trip plans provide you with emergency medical coverage for an unlimited number of trips over a 12 month period.
However, annual plans limit the number of days you are allowed to travel per trip. This limit can vary depending on your policy. Once you reach your limit, you must return to your home province before travelling again to start the clock again.
These flexible plans allow you to avoid having to purchase insurance for each trip, which can save you both time and money.
If you want to spend more time away from home than your multi-trip policy allows, you can purchase what is commonly referred to as a "top-up" plan on a per trip basis that will allow you to stay away for a longer period on that trip.
The cost of a top-up plan will depend on your policy and how much extra time you want to spend away beyond your allotted limit.
Annual multi-trip plans are often the better choice for snowbirds and seniors with the following travel habits:
- You plan on taking multiple trips over a 12 month period
- If you spend your winter away, you plan on coming back to Canada periodically between your initial departure date and your final return date.
We offer flexible annual multi-trip plans that allow you to be away for up to 60 days per trip, with premiums increasing as your days per trip limit increases, as well as top-up plans that allow you to choose the number of days you would like to extend your coverage by.
If you’re a snowbird, boomer or senior who only travels multiple times per year, an annual multi-trip plan may be right for you - but it’s always best to explore your options to find the ideal fit for your specific circumstances.
Our experienced agents understand the unique needs of snowbird and senior travellers and can assist you in selecting the best travel insurance policy based on those needs by comparing and combining multiple options, including single-trip plans, annual multi-trip plans, all inclusive plans and top-up plans.
Annual Multi-Trip vs. Single-Trip Travel Insurance Policies
When it comes to travel medical insurance, Canadian snowbirds and seniors should compare Annual Multi-Trip Plans vs. Single-Trip Plans.
Factors like Trip Length (how long your trips are) and Trip Frequency (how often to you travel) can help you determine which type of plan is best for you in terms of coverage and price.
What’s the difference?
Below is a brief comparison of single-trip and multi-trip plan features and which travel habits each plan is generally more appropriate for:
Single-Trip Travel Medical Insurance Plans
Annual-Multi Trip Travel Medical Insurance Plans
Usually better if you have the following travel habits:
Which Plan is Right for Me?
The answer is...it depends. The travel medical insurance plan that will provide you with the coverage you need at the most cost effective price will depend entirely on your travel plans.
In many situations, the most comprehensive, cost effective coverage option for travellers who spend extended periods away is a combination of single-trip, annual multi-trip and top-up plans.
However, finding the right combination on your own can be complicated, if not impossible, as there are endless possibilities.
Fortunately, our agents are experts when it comes to reviewing your travel plans to determine which combination will provide you with the best coverage at the best price to meet your needs.
Accordingly, we suggest speaking with one of our experienced agents to assist you before you decide on a policy.
What does Travel Medical Insurance Cover?
It’s important to be aware that travel medical insurance only covers you for costs related to emergency medical treatment. Covered emergency medical expenses include:
- Medical Treatment
- Laboratory Tests
- Prescribed medication
- Paramedical services
- Emergency dental treatment
- Vehicle return
- Return of deceased
- Accidental death
Travel medical insurance does not cover you for elective medical treatment or treatment that you could have returned to Canada to receive.
It also won't cover you for non-refundable travel expenses like airfare, hotels, tours, cruises and rental accommodations. If you want coverage for these types of expenses, you'll need to purchase trip cancellation and interruption insurance separately or as part of an all-inclusive plan.