Multi-Trip Annual Medical Coverage

One policy. Unlimited trips. Each trip covered up to 70 days. Perfect for frequent travelers who want seamless medical and evacuation protection all year long.

Bottom Line Up Front

Best for: Frequent travelers, digital nomads, business travelers, snowbirds
Trips per Year: Unlimited (each trip up to ~70 days)
Starting Price: As low as ~$145/year for Gold plan (younger travelers)
Pre-existing Conditions: Often included on Platinum
Medical Maximum: Up to $1,000,000 (Platinum)
Key Advantage: One policy covers every qualifying trip in a 12-month period

This is travel medical + evacuation coverage—not trip cancellation. Compare plan types on our Explore Plans hub.

Who Multi-Trip Annual Coverage Is For

If you leave the country more than once or twice a year, buying a new single-trip medical policy every time gets expensive and easy to forget. An annual multi-trip medical plan keeps you ready for the next departure.

Business travelers

Consultants, sales teams, and executives with recurring international meetings need medical coverage that renews with each trip—without re-shopping every itinerary.

Digital nomads & frequent leisure travelers

If you hop between countries for work or leisure throughout the year (with each stay under the per-trip day limit), one annual medical policy is usually simpler than serial single-trip buys.

Snowbirds & seasonal travelers

Winters abroad plus additional trips home or elsewhere fit the multi-trip pattern—as long as each departure stays within the per-trip duration rules.

One-off trip? Consider Single Trip

Planning only one vacation or a longer stay up to 182 days? See Single Trip Medical Coverage instead—it is often the better fit for a single journey.

Key Medical & Evacuation Benefits

International medical coverage

Hospitalization, physician visits, prescriptions, and related acute care abroad after your deductible—Gold for strong standard limits; Platinum for higher maximums (up to $1,000,000 medical on eligible ages) and pre-existing options when available.

Medical evacuation & repatriation

If local facilities cannot adequately treat you, eligible plans help arrange and cover emergency medical evacuation to an appropriate facility—and repatriation home when medically necessary. Learn more in our medical evacuation guide.

24/7 assistance & telemedicine

Multilingual assistance, provider location help, and telemedicine options support you across multiple destinations under one annual policy period.

Benefits focus on medical care and evacuation while traveling—not prepaid trip refunds. Exact limits, deductibles, and exclusions are shown on your quote and certificate of insurance.

Traveling more than once this year?

Get a personalized Multi-Trip Annual medical quote in under a minute. Same trusted BCBS Global Solutions enrollment path we use for all individual & family plans.

Get Your Multi-Trip Quote →

Estimated Multi-Trip Annual Costs (2026)

Gold Plan (most popular starting option): Starts around $145 – $300 per year for travelers under 50 with $500,000 medical coverage.

Platinum Plan: Higher limits ($1M medical) and lower deductibles. Typically 30–60% more than Gold depending on age.

Prices increase with age. Travelers 70+ have reduced medical maximums on most plans. Always get a current quote for accurate pricing.

Multi-Trip vs Single Trip vs Long-Term

Planning destinations across Europe, Latin America, or Asia? Browse our destinations hub for country-specific medical insurance notes.

Multi-Trip FAQ

How many trips does Multi-Trip Annual coverage allow?

Unlimited trips during a typical 12-month policy period, with each individual trip generally covered up to about 70 days. Longer single journeys may fit better under Single Trip coverage.

Is this trip cancellation insurance?

No. Multi-Trip Annual plans here are travel medical products focused on care abroad and medical evacuation—not refunds for canceled flights or hotels.

Who should choose Multi-Trip over Single Trip?

Frequent travelers, business travelers, digital nomads, and snowbirds who take several international trips per year usually prefer one annual medical policy for convenience and value.

Are pre-existing conditions covered?

Often available on Platinum (subject to waiting periods and plan terms). Confirm on your personalized quote before travel.

What medical maximums are typical?

Gold commonly offers strong medical limits; Platinum can reach up to $1,000,000 medical for eligible ages. Older travelers may see reduced maximums—verify on a live quote. More answers: site FAQs.

Ready for year-round medical protection?

Get an instant Multi-Trip Annual quote through BCBS Global Solutions. Licensed GlobeHealth producers help you enroll the right medical + evacuation plan.

Get Your Multi-Trip Quote

Or start by comparing all plan types on Explore Plans · Group Coverage

Get Instant Quote