Decide the multi-trip insurance is right for you. There are numerous types of insurance, so you want to be sure you are going in the right direction with multi-trip insurance. Review other options, such as backpacker insurance, long stay insurance, single trip insurance, studying abroad insurance, etc. Additionally, be sure you need insurance at all. If you are already covered at home, check to see if the same insurance covers you abroad and if so, be sure you know what it covers.
Multi-trip insurers generally work in restrictions of 15, 30, or 70 days, meaning these are the maximum days per trip in the year. Multi-trip insurance can cover many items, including coverage for evacuation, flight, accidental death, limited baggage, trip interruption, and any combination thereof. Look at options and make a list of what you are looking for in a coverage plan and what is appropriate for your planned trips. Do you want pregnancy covered? Acts of terrorism? Dental? Decided such things in advance to really know what you are looking for.
Research companies to find the plan you are looking for now that you already know what you want. When choosing a company, pay close attention to who they offer insurance to, as some are only offered to US citizens, while others are only offered to non-US citizens. To find out if an insurance is financially stable, request their A.M. Best Rating, which will be given on a scale of A++ (superior) to F (in liquidation) in alphabetical order. You do, after all, want to be sure that your insurance will last as long as your trip.
After you have found some companies that have what you are looking for in a multi-trip insurance plan, get quotes to compare prices. InsureMyTrip.com is a great web-site for comparing multi-trip medical insurance and learning what each company offers. Choosing the right company with the right plan can save you thousands of dollars a year.
Once, you have completed these steps, you are ready to buy a multi-trip insurance plan and enjoy your trips!
