Annual Multitrip Travel Insurance

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

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Underwriter

National Union Fire Insurance Company of Pittsburgh,
Pa., New York, NY (AIG)
Rated A++ “Superior” by A.M. Best Company

Lloyd’s of London

ihi Bupa Travel, a member of Bupa Group, rating Api

UNICARE Life and Health Insurance Company (Rated
A- by A.M. Best)

Available To

US Residents Only

US and Canadian residents and expatriates

All Nationalities

US Residents – available in 30 States – Age 84 and
younger

Medical Expenses

Not Covered

Not Covered

Unlimited coverage
More coverage details

Silver: $50,000 International; $2,500 Domestic
Gold $250,000 Internatinal; $25,000 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
Gold: $500,000

Repatriation of Remains

$10,000

No Maximum. Remains returned to member’s place of
residence

Unlimited coverage

Silver: $15,000
Gold: $25,000

Emergency Reunion

N/A

Travel companions may accompany member on MEDJET
flights

Compassionate Emergency Visit coverage

Bedside Visit $1,500

Accidental Death & Dismemberment

Up to US$1 Million (Common Carrier Only)

None

No coverage

Silver: $0
Gold: $25,000

Flight Accident

Up to US$1 Million

N/A

No coverage

Silver: $0
Gold: $25,000 (covered under 24-hour AD&D)

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
(max $10,000)

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
at no charge

A Pre-existing conditions application is available to submit to underwriting for possible approval

Deductible waived if international physician network
used; Security Profiles; Elite Doctor Network; City Health Profiles

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
month period up to 70 days per trip

Purchase

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