Three or more trips a year? You're probably overpaying.
Get a QuoteIf you travel more than twice a year, you're probably overpaying by buying single-trip policies. But annual multi-trip isn't always the right answer — it depends on your travel patterns, trip lengths, and what you need covered.
Generally, if you take 3+ trips per year, an annual multi-trip policy costs less than buying individual policies for each trip. The math is simple: compare the annual premium to the sum of your typical single-trip premiums.
One policy, unlimited trips per year, each up to a set maximum length (typically 4, 8, 15, 30, or 60 days per trip). If a trip exceeds your per-trip limit, you can top it up — but you need to know your limit.
If you take one long trip (3+ weeks) and no others, single-trip is cheaper. If you take one big trip and a few short ones, buy single-trip for the long one and annual for the short ones — or just buy a longer per-trip limit on the annual.
Convenience (one purchase, done for the year), trip cancellation can be added, and you're covered for spontaneous trips without having to buy a policy each time. The catch: the per-trip day limit.
An annual multi-trip plan might cost less than three single-trip policies — and covers every spontaneous getaway.
Get a Quote Learn more about Canadians leaving CanadaOne night in a Canadian ICU can top $14,000 — without coverage, that's on you.
Cost reality