Multi-Trip Annual Insurance
If you travel frequently for business or pleasure, an annual multi-trip policy offers convenience and significant savings. Buy once, travel all year with comprehensive protection on every trip.
One Policy, Unlimited Adventures
What is multi-trip annual insurance?
If you travel frequently for business or pleasure, an annual multi-trip policy offers convenience and significant savings. Buy once, travel all year with comprehensive protection on every trip.
Quick Reference
Is this right for you?
Frequent business travellers
Take as many trips as you want during your policy year. Weekend getaways, business trips, and vacations are all covered.
Snowbirds and cottagers
If you travel 3+ times per year, annual coverage typically costs less than buying individual trip policies.
Cross-border shoppers
No need to remember to buy insurance for each trip. Spontaneous trips are covered too.
Those with U.S. vacation properties
Same great protection as single-trip policies: emergency medical, trip interruption, baggage, and more.
Weekend trip enthusiasts
Explore this coverage option.
Families who travel often
Explore this coverage option.
How it works
Travel Assessment
We review your typical travel patterns, destinations, and trip durations to recommend the right plan.
Plan Selection
Choose your maximum trip duration (15, 30, 45, or 60+ days) and coverage level.
Annual Purchase
Buy your annual policy once and receive immediate coverage for the full year.
Travel Freely
Take trips anytime without buying new coverage. Keep your policy documents handy for each trip.
What to expect
What This Covers
- Unlimited trips during policy year
- Emergency medical up to $5M per trip
- Trip interruption coverage
- Baggage loss and delay
- Travel delay benefits
- 24/7 emergency assistance
- Family plan options available
- Top-up coverage for longer trips
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
You can purchase a top-up policy for the additional days. For example, if you have a 30-day annual plan but take a 45-day trip, we can add 15 days of supplemental coverage.
There's no limit on the number of trips. Whether you take 3 trips or 30 trips in a year, you're covered on each one up to your maximum trip duration.
Most annual plans include trip interruption but not trip cancellation (since trip costs vary). You can add trip cancellation coverage for specific trips when you have significant prepaid costs.
Coverage begins automatically when you leave your province of residence and ends when you return. No activation required for each trip.
Yes, family annual plans cover you, your spouse, and dependent children under one policy. This is often more economical than individual annual plans for each family member.
Let's discuss multi-trip annual insurance.
Reach out for a private consultation — no obligation.