Should my company purchase annual coverage for employees?

If employees make 3+ international trips per year, annual coverage is almost always cheaper per trip than single-trip policies. Companies can purchase annual group plans covering all traveling employees under one policy — simplifying billing and ensuring consistent coverage levels.

What is the maximum trip duration per business trip?

Annual plans allow up to 30, 45, or 70 days per individual trip (plan-dependent). Most business trips are well within these limits. For extended assignments (90+ days), a long-term or single-trip plan covering the full duration is more appropriate.

Am I covered on the day I depart and the day I return?

Yes. Coverage is active from the moment you leave your home country until you return. Transit days, layovers, and travel days are all covered within the policy dates.

What if I combine a business trip with personal travel at the end?

Annual plans cover you for the full duration of each trip — regardless of whether the trip includes a mix of business and personal travel. The policy doesn't differentiate between business and leisure time during a trip.

Does the company's existing insurance already cover international travel?

Many company health insurance plans have limited or no international coverage. The specific exclusion of international emergency medical care is common in domestic health plans. Check with your HR team — if your plan excludes or limits international coverage, annual travel insurance fills that gap.

📅Annual Multi-Trip Coverage · Business Travelers

Annual Travel Insurance for Business Travelers

One annual policy. Every business trip covered. Stop buying single-trip insurance.

Worth it if you travel: 3+ international business trips per year

Compare Annual Plans →

Business travelers making 3 or more international trips per year spend hundreds of dollars annually on single-trip insurance policies — often through hasty airport purchases. An annual business travel plan provides year-round coverage at a fraction of the cost, with better terms and the same 24/7 emergency support for every trip.

What's Covered on Every Trip

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Emergency Medical on Every Trip

Emergency hospitalization, ER visits, and specialist care on every covered international business trip — with no per-trip purchase required.

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Medical Evacuation

Air ambulance transport on every trip — critical for business travel to regions with limited medical infrastructure.

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Trip Interruption

Reimburses non-refundable travel costs if a business trip must be cut short due to a covered medical emergency.

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Business Equipment (Optional)

Select plans offer riders for laptops and business equipment lost, stolen, or damaged during covered trips.

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24/7 Duty of Care Support

One emergency number for the full year — the same 24/7 medical team is available on every trip.

Annual vs. Single-Trip: Cost Comparison

Annual wins when you take 3+ international business trips per year

Scenario	Single-Trip Cost	Annual Plan	Savings
4 business trips × 7 days (age 35)	$24–$44 × 4 = $96–$176	$120–$180/year	Saves up to $56/year
6 business trips × 5 days (age 45)	$35–$65 × 6 = $210–$390	$200–$300/year	Saves $10–$190/year
10 business trips × 4 days (age 40)	$28–$52 × 10 = $280–$520	$160–$240/year	Saves $120–$280/year
12 business trips × 5 days (age 55)	$50–$90 × 12 = $600–$1,080	$300–$500/year	Saves $300–$580/year