Annual Travel Insurance

You can purchase annual travel insurance if you need to provide your own travel insurance regularly. You can purchase annual travel insurance for multiple trips to multiple destinations. You can select which regions you will travel to if you only travel to certain destinations. Or you can purchase global travel insurance. Speak to your travel agent who will email you the forms to complete and sign and you will be able to pay on your credit card. You can also buy travel insurance online. Given the cost involved and the need to be sure you are covered effectively, using a travel agent is advisable.

There is often a restriction on the maximum length of any one stay when you buy Annual Insurance. Most insurers will sell you two types of Annual Insurance. The first option has a maximum of 90 days (or other time limit) for any one trip. In this case, you cannot be away for more than the stipulated length of time on any one trip. The second option they can sell you is Annual Travel Insurance for any length of stay. If you plan a long trip abroad for an assignment perhaps of say 4-6 months, this is the best option.

Purchasing extendable insurance is good for trips which you do not know the length of in advance. For example if your trip is going to be 4-6 months, you can purchase say 4 months ahead of time. Let us say you then need to extend the trip to say 6 months. So long as you extend your travel insurance prior to exiting expiry date, all is ok. The premium then just charged on a monthly basis. And you can extend as many times as you want to. Once you return home, the insurance is cancelled. Therefore it is a better option to extend if you need to rather than overpaying to be cautious. For example buying say 8 months, coming home at 6 months and as such you have paid for 2 extra months unnecessarily.