Annual Multitrip Travel Insurance
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Annual Multi-Trip plans cover all trips throughout the year, subject to a maximum length of 15 – 180 days
per trip, depending on the plan. Compare the different plans available via the matrix below and use the links at the bottom to check prices.
| Plan Name | Annual Travel Accident Elite | MEDJET Assistance | ihi Bupa Annual Travel Insurance | HTH TravelGap Multi-Trip |
| Company | Insuractive | MEDJET Assistance | ihi Bupa Travel | HTH Worldwide |
| Purchase | | | | |
| Underwriter | National Union Fire Insurance Company of Pittsburgh, | Lloyd’s of London | ihi Bupa Travel, a member of Bupa Group, rating Api | UNICARE Life and Health Insurance Company (Rated |
| Available To | US Residents Only | US and Canadian residents and expatriates | All Nationalities | US Residents – available in 30 States – Age 84 and |
| Medical Expenses | Not Covered | Not Covered | Unlimited coverage | Silver: $50,000 International; $2,500 Domestic |
| Pre-existing Conditions | Not Covered | NOT Excluded | Pre-existing medical conditions are excluded – However, a pre-existing conditions application is available to send in for underwriting review and possible approval. | Pre-existing conditions covered |
| Emergency Evacuation | $10,000 | Unlimited transport to the hospital of your choice | Unlimited coverage | Silver: $250,000 |
| Repatriation of Remains | $10,000 | No Maximum. Remains returned to member’s place of | Unlimited coverage | Silver: $15,000 |
| Emergency Reunion | N/A | Travel companions may accompany member on MEDJET | Compassionate Emergency Visit coverage | Bedside Visit $1,500 |
| Accidental Death & Dismemberment | Up to US$1 Million (Common Carrier Only) | None | No coverage | Silver: $0 |
| Flight Accident | Up to US$1 Million | N/A | No coverage | Silver: $0 |
| Trip Cancellation | Not Covered | Not Covered | No coverage | N/A |
| Trip Interruption | Not Covered | Not Covered | No coverage | N/A |
| Trip Delay | Not Covered | Not Covered | No coverage | N/A |
| Sports & Hazardous Activities | Not Covered | See Details | No coverage | Sports are excluded except for skiing and scuba |
| Lost Baggage | Not Covered | Not Covered | No coverage | N/A |
| Baggage Delay | Not Covered | Not Covered | No coverage | N/A |
| Supplier Bankruptcy/Default | Not Covered | Not Covered | No coverage | N/A |
| Labor Strike | Not Covered | Not Covered | No coverage | N/A |
| Terrorism | Covered unless weapons of mass destruction are used | Not Excluded | Accidents from Terrorist Acts are covered. War Risk coverage for Iraq and Afghanistan available. Please call for details. | Losses due to terrorist acts are covered |
| Rental Car Insurance | Not Covered | Not Covered | No coverage | N/A |
| Travel Assistance | 24 Hour Worldwide Travel Assistance | Not Included | 24-hour emergency service: IHI Assist. | 24 Hour Emergency Medical Assistance |
| Special Features | For all ages 18 and over | MEDJET will fly you to the hospital of your choice | A Pre-existing conditions application is available to submit to underwriting for possible approval | Deductible waived if international physician network |
| Length Of Coverage | Annual coverage for unlimited trips up to 185 days | Up to 365 days | up to 365 days | Annual multi-trip plan covering all trips in a 12 |
| Purchase | | | | |
