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Annual multi-trip travel insurance: The smart way to travel more often

Eliminate the stress of reapplying for coverage every time you travel. Compare multi-trip travel insurance quotes on Ratehub.ca today.

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By: SoNomad

Are you the kind of traveller who’s always planning the next trip? Do you travel more than once a year? Maybe you love spontaneous getaways, visiting family abroad, or living close to the border and often crossing for shopping or short escapes. 

If that sounds like you, you already know how frustrating traditional travel insurance can be. It only covers one trip at a time. Each time you leave, you have to remember to call your insurer, get a new quote, and pay again. Even for a day trip, it’s the same process! If you forget to arrange it before you go, you’re left travelling without coverage.

For frequent travellers looking for consistent coverage, annual multi-trip travel insurance can make sense. Instead of starting over every time you travel, you buy one plan that covers you for unlimited trips throughout the year. No phone calls, no repeated quotes, no extra payments – just grab your bags and go.

Key takeaways

  • Annual multi-trip travel insurance is a type of insurance coverage that covers travellers for unlimited trips throughout the year.
  • Instead of purchasing individual policies, multi-trip insurance provides year-long protection that saves frequent travellers money spent on coverage. 
  • It is ideal for budget-conscious travellers, digital nomads, spontaneous adventurers and frequent travellers.

How does annual multi-trip insurance work?

It’s simple: choose the maximum trip length that matches your travel style, and every trip shorter than that is automatically covered for a full year. The options are:

  • 7 days
  • 15 days
  • 30 days

Let’s say you purchase the 7-day annual plan. Every trip you take that lasts a week or less is covered; for example, a weekend in New York, a long weekend in Maine, or a week in Europe. If you prefer longer stays, the 30-day plan is a better fit. That gives you the freedom to spend three weeks in Europe, work remotely in Nicaragua for a month, or go on a two-week road trip in Mexico. 

If you ever want to stay longer than your plan allows, you can easily extend your coverage. For example, if you choose the 30-day annual plan but decide to stay abroad for 45 days, you simply pay a small premium for the extra 15 days.

Why multi-trip insurance saves you money

Buying insurance for every single trip adds up fast. For example:

  • A 4-day trip to California with traditional providers typically costs between $75 and $125.
  • Annual multi-trip coverage for all trips of 30 days or less costs about $120 a year*.

Now, imagine you take eight trips in one year. With single-trip coverage at about $100 each, you’d spend around $800. With an annual multi-trip plan, you’d pay just $120*. That’s a savings of more than $680.

(*Price example based on a 32-year-old traveller. Rates may vary depending on age, medical history, and other factors.)

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Who benefits most from this insurance?

Annual multi-trip insurance is perfect for:

  • Frequent travellers who take multiple vacations or business trips each year.
  • Spontaneous adventurers who like to book trips last-minute.
  • Digital nomads and remote workers who spend weeks abroad.
  • Budget-conscious travellers who want to save big on insurance costs.
  • Travellers with family abroad who make regular visits.
  • People living near the border, like in Windsor or Vancouver, who often cross for shopping, dining, or short escapes.

Extra perks

  • Total freedom: No need to call your insurer every time you leave.
  • Flexibility: Extend your coverage if you want to stay longer.
  • Coverage in Canada: You’re also protected when travelling outside your home province.

Travel more, worry less

Annual multi-trip travel insurance eliminates the stress of reapplying for coverage every time you travel. It’s cheaper, easier, and designed for people who want to make the most of their time away. From quick weekend escapes to longer stays abroad, you’ll enjoy peace of mind knowing you’re always covered.

Ready to simplify your travel plans? Compare insurance quotes online and see how much you can save with annual multi-trip insurance.

SoNomad is a fast-growing Canadian-based travel insurance company committed to making travel insurance accessible for all travellers. As an insurtech, SoNomad uses technology to keep costs affordable and offers a variety of plans, including medical insurance, trip cancellation insurance and visitors insurance for those coming to Canada. 

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