- The best annual multi-trip travel insurance plans
- What is annual multi-trip travel insurance?
- What is the price of annual multi-trip travel insurance?
- What does annual multi-trip travel insurance cover?
- The conditions of annual multi-trip travel insurance
- The advantages of annual multi-trip travel insurance
- How to choose the right annual multi-trip travel insurance
- Do my current insurance policies cover annual multi-trip travel insurance?
- FAQ
Annual multi-trip travel insurance: key takeaways
1. Definition: Annual multi-trip insurance covers unlimited trips in one year, ideal for frequent travelers from the Philippines.
2. Price: An annual policy for multiple trips, including Europe, typically costs between ₱12,000 and ₱25,000 per year.
3. Coverage: It covers medical emergencies and trip cancellations but often excludes pre-existing conditions and high-risk sports.
4. Bank cards and health insurances: Bank cards, PhilHealth, and HMOs offer limited travel coverage, often excluding repatriation and major medical costs.
5. Tips: Compare medical limits, maximum trip duration per journey, and check for specific destination or activity exclusions.
6. Other useful info: Many policies now include COVID-19 coverage, which is crucial for meeting entry requirements in some countries.
Why trust HelloSafe ?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the Philippines, our experts share everything you need to know to choose the best annual multi-trip travel insurance.
The best annual multi-trip travel insurance plans
Here is a selection of the best annual multi-trip travel insurance plans available for residents of the Philippines in 2025. These policies stand out for their high coverage limits, low deductibles and simplified terms, providing optimal protection for worry-free travel.
| Contract we recommend | Medical reimbursement | Deductible | Advantages |
|---|---|---|---|
| HelloTravel Premium | ₱3.0M | ₱3,000 | • Full worldwide coverage, including USA and Canada. • Covers business and leisure trips. • Direct payment to hospitals. • Flexible trip length per journey. |
| Cap Assistance 24/24 | ₱3.0M | ₱3,000 | • Mobile app for 24/7 access to medical support. • No age surcharge for older travelers. • Teleconsultation included. • Multilingual emergency hotline. |
| Tourist Card | ₱2.5M | ₱5,000 | • Immediate refund option. • Flexible for family or group policies. • Baggage support included. • Emergency legal support abroad. |
| World Travel | ₱2.0M (USA/Canada), ₱1.2M (others) | ₱7,500 | • Insures adventure and sports activities. • Political and natural disaster evacuation. • Passport loss assistance. • Unlimited trip extensions possible. |
| Globe Partner | ₱1.2M | ₱4,000 | • Quick digital claims. • Paperless sign-up. • Available for short and long trips. • No age-based premium increase. |
| Globe Traveller | ₱2.5M | ₱5,000 | • Covers long stays up to 12 months. • Stable premium after age 60. • Dedicated assistance in English and Tagalog. • Family discounts offered. |
• Covers business and leisure trips.
• Direct payment to hospitals.
• Flexible trip length per journey.
• No age surcharge for older travelers.
• Teleconsultation included.
• Multilingual emergency hotline.
• Flexible for family or group policies.
• Baggage support included.
• Emergency legal support abroad.
• Political and natural disaster evacuation.
• Passport loss assistance.
• Unlimited trip extensions possible.
• Paperless sign-up.
• Available for short and long trips.
• No age-based premium increase.
• Stable premium after age 60.
• Dedicated assistance in English and Tagalog.
• Family discounts offered.
The best annual multi-trip travel insurance may vary according to your needs. Use HelloSafe’s travel insurance comparison tool to find the plan that suits you best and subscribe directly online.
Compare the best travel insurance for freeI compareWhat is annual multi-trip travel insurance?
Annual multi-trip travel insurance is coverage designed for Filipino travelers who take several trips abroad within a 12-month period, offering continuous protection for all journeys under one policy.
It typically covers unlimited trips per year, with each individual trip limited to a set number of days, such as 30 or 90 depending on the insurer.
This is ideal for frequent business, leisure, or family travelers, and can be more cost-effective than buying separate single-trip policies.
It is sometimes confused with single-trip travel insurance, but only annual multi-trip insurance protects multiple journeys year-round.
Expert advice
Here are the situations where taking out annual multi-trip travel insurance is especially important if you live in the Philippines:
- When you travel abroad from the Philippines multiple times a year.
- For trips to countries with high healthcare costs like the USA.
- If you need insurance for multiple visa applications, like for Schengen.
- When your local HMO or PhilHealth coverage is insufficient for travel.
- If your credit card's free travel insurance has low coverage limits.
- For families who take several separate or group trips annually.
- If you make frequent, last-minute trips for business or leisure.
What is the price of annual multi-trip travel insurance?
On average, annual multi-trip travel insurance costs between 2% and 5% of the total value of all trips taken in a year.
| Trip | Trip cost (PHP) | Indicative price per person (PHP) |
|---|---|---|
| 4 business trips per year across Asia | ₱200,000 | ₱4,000 to ₱10,000 |
| 3 family holidays per year to Europe and the United States | ₱350,000 | ₱7,000 to ₱17,500 |
| Annual plan: leisure and business trips worldwide | ₱500,000 | ₱10,000 to ₱25,000 |
| Digital nomad: multiple short stays in ASEAN countries | ₱150,000 | ₱3,000 to ₱7,500 |
These prices are provided as an indication and may vary depending on the type of plan chosen (standard or premium) and the specific conditions of each insurer.
The price of your annual multi-trip travel insurance depends on several factors:
- trip frequency: the more trips taken within the year, the more valuable the plan, though the cost per trip decreases.
- destination: visiting countries with high medical costs, such as the United States or Western Europe, results in higher premiums.
- maximum trip duration: policies with higher limits per trip (for example, up to 90 days) are more expensive.
- traveler’s age: older travelers typically pay more for annual coverage.
- level of coverage: higher medical limits, lower deductibles, or comprehensive extras such as baggage, trip cancellation, and adventure sports increase the price.
- pre-existing medical conditions: inclusion of known medical conditions usually leads to a higher premium.
What does annual multi-trip travel insurance cover?
Annual multi-trip travel insurance provides coverage for unlimited journeys within a 12-month period. It allows you to travel anywhere in the world, multiple times per year, with one policy renewal annually.
| Covered guarantee | Definition | Expert advice |
|---|---|---|
| 📝 Trip cancellation | Covers prepaid travel costs if you cancel before departure for a covered reason. | We recommend a minimum of ₱75,000 cover, and the deductible should not exceed ₱2,000. Work cancellations, visa denial, and changes of mind are often excluded. |
| 🛫 Missed departure | Pays extra travel if you miss your flight due to reasons outside your control. | Aim for at least ₱15,000 cover, with no deductible if possible. Delays due to personal error, late arrivals, or insufficient documentation are not covered. |
| 🎒 Baggage loss or theft | Provides compensation if your suitcase or items are lost, stolen, or damaged in transit. | At least ₱50,000 coverage is advisable, with a maximum deductible of ₱1,500. Unattended baggage, cash, and valuable electronics are commonly excluded. |
| 🧳 Baggage delay | Reimburses for essential items if luggage is delayed for a set period. | Look for ₱5,000 after 24 hours of delay, with no deductible. Delays under 24 hours, connecting flight delays, or proof issues are not covered. |
| 🏥 Medical expenses abroad | Key guarantee. Pays for emergency treatment, hospital, or medication when abroad. | We suggest ₱2M minimum coverage and a deductible below ₱5,000. Routine check-ups, chronic illness, and ongoing treatments are usually excluded. |
| 🚑 Medical repatriation | Key guarantee. Evacuation and return to Philippines if medically necessary. | The coverage should be unlimited or at least ₱2.5M, no deductible. Repatriation for non-medical reasons or personal refusal of transport is not covered. |
| 🦷 Emergency dental care | Pays for urgent dental treatment required during a trip abroad. | At least ₱20,000 coverage is recommended, with no deductible above ₱1,000. Cosmetic procedures and dental maintenance are excluded. |
| 🧍♂️ Personal accident | Compensation for accidental death or permanent disability overseas. | Ensure a minimum of ₱500,000 benefit with zero deductible. Suicide, self-inflicted injuries, and risky activities are usually excluded. |
| 🤝 Personal liability abroad | Covers compensation if you injure a third party or damage someone else’s property abroad. | We advise at least ₱750,000 coverage, and a deductible below ₱2,500. Family member injuries, rental damages, and motorized vehicle incidents are excluded. |
| ⚖️ Legal assistance abroad | Pays lawyer fees or bail abroad if you face legal issues on your trip. | Minimum ₱150,000 for legal fees and ₱400,000 for bail with a small deductible. Defence costs for criminal acts, intoxication, or alcohol-related charges are often excluded. |
Work cancellations, visa denial, and changes of mind are often excluded.
Delays due to personal error, late arrivals, or insufficient documentation are not covered.
Unattended baggage, cash, and valuable electronics are commonly excluded.
Delays under 24 hours, connecting flight delays, or proof issues are not covered.
Routine check-ups, chronic illness, and ongoing treatments are usually excluded.
Repatriation for non-medical reasons or personal refusal of transport is not covered.
Cosmetic procedures and dental maintenance are excluded.
Suicide, self-inflicted injuries, and risky activities are usually excluded.
Family member injuries, rental damages, and motorized vehicle incidents are excluded.
Defence costs for criminal acts, intoxication, or alcohol-related charges are often excluded.
Reimbursement limits vary depending on the insurer and the plan selected (eco, standard, premium). They must always be checked in the general terms and conditions.
To find the annual multi-trip travel insurance best suited to your profile and your trips, easily compare offers on HelloSafe.
The conditions of annual multi-trip travel insurance
To maintain the validity of your annual multi-trip travel insurance throughout the policy year, certain requirements must be followed. Here are the main conditions for Filipino travelers:
- Timing of purchase: you must buy the policy before your first trip begins, not after you are already abroad.
- Residency: you must be a resident of the Philippines at the time of applying for the annual multi-trip policy.
- Trip frequency: each journey must start and end in the Philippines, returning home between trips as specified in the contract.
- Maximum duration per trip: the policy covers multiple trips, but each trip usually cannot exceed 30 to 90 days as stated in your plan.
- Trip purpose: coverage applies only to leisure, business, or family visits, not for emigration or long-term overseas work.
- Destination limits: travel to countries or regions under official Philippine or foreign government travel advisories is often excluded.
- Incident notification: you must notify your insurer quickly in case of illness, accident, loss, or other emergencies.
- Claim documentation: supporting evidence such as medical certificates, receipts, or police reports must be provided to process your claim.
Watch out!
A common mistake is thinking an "annual" policy covers one year-long trip. It actually covers unlimited trips, but each journey has a maximum duration, often 30-90 days. Exceeding this limit on a single trip can void your coverage, leaving you unprotected when you need it most.
The advantages of annual multi-trip travel insurance
When travelling several times a year, you face various risks on each trip and unexpected medical expenses abroad can quickly become overwhelming.
Here are some examples of healthcare costs abroad:
| Type of treatment | Average cost | Covered by insurance |
|---|---|---|
| Foot sprain (X-ray and consultation) |
| Up to 100%, within the annual limit |
| Medical repatriation |
| Usually 100%, if medically necessary |
| Appendicitis surgery and hospitalization |
| Up to the plan limit |
| Stitches after a fall |
| Usually 100%, after applying deductible |
| Emergency tooth extraction |
| Often covered, subject to sub-limit |
- Europe: ₱15,000
- North America: ₱25,000
- Asia: ₱8,000
- Europe: ₱800,000
- North America: ₱1,200,000
- Asia: ₱400,000
- Europe: ₱500,000
- North America: ₱1,500,000
- Asia: ₱200,000
- Europe: ₱12,000
- North America: ₱20,000
- Asia: ₱6,000
- Europe: ₱20,000
- North America: ₱35,000
- Asia: ₱12,000
Coverage varies greatly depending on the plan chosen (standard or premium) and the insurer. Refer to the general conditions and always compare with tools like HelloSafe.
Besides medical costs, annual multi-trip travel insurance usually also protects you against other risks: trip cancellation or interruption, loss or delay of luggage, civil liability abroad, repatriation support, and sometimes services like teleconsultation or cash advances in emergencies.
Good to know
Stop buying insurance for every getaway! An annual plan is more cost-effective and convenient for all your travels. Whether it's a weekend in Hong Kong or a family visit to the US, stay protected with a single policy. Insurers like ACS offer comprehensive annual coverage.
How to choose the right annual multi-trip travel insurance
Coverage, reimbursement and limits vary between annual multi-trip plans, so it is important to compare policies based on your travel habits, profile and existing benefits before buying.
| Criterion | Why it matters | Expert tip |
|---|---|---|
| 💶 Reimbursement limits | Insufficient limits mean large out-of-pocket expenses if a serious event occurs abroad | Always select a plan with at least ₱2,000,000 for medical emergencies worldwide. |
| 📉 Deductible | High deductibles lower premiums but increase your payment if you claim | Look for low or manageable deductibles so you are not caught by surprise. |
| 👤 Traveller’s age | Eligibility, coverage, and pricing may change for older or younger travelers | Choose a policy that covers your age bracket without extra fees or exclusions. |
| 📆 Trip duration per journey | Most policies limit the length of each trip, typically to 30 or 90 days | Confirm maximum trip duration matches all your planned journeys. |
| 🌎 Geographic area | Coverage and price change depending on destinations, especially if visiting the US or Europe | Ensure your plan covers all regions you will visit including high-cost countries. |
| 🛡️ Existing coverage | Credit card or employer insurance may partially overlap and affect your needs | Check your current benefits to avoid double paying for the same protection. |
| 🧑🤝🧑 Family/group option | Policy structure affects who is covered (solo, family, business group) | Select a policy format adapted to your travel group or family status. |
| ⚠️ Adventure activities | Many plans exclude sports, hiking or certain work trips unless explicitly included | Only choose a plan with activity coverage relevant for your trips. |
| 🖥️ Online management | Digital tools make it easier to sign up, access proof of cover and process claims | Favor insurers with easy online sign-up and claims service for global support. |
Do my current insurance policies cover annual multi-trip travel insurance?
It is legitimate to wonder if your current insurances such as credit card or public health coverage can fulfill the needs of annual multi-trip travel insurance, but unfortunately this is often not enough. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Annual multi-trip travel insurance included? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (PhilHealth) | Never | Emergency treatment in countries with agreements, usually ₱50,000–₱100,000. No repatriation. Does not cover trip cancellation, baggage loss, liability, or emergency evacuation abroad. | Travel insurance offers up to ₱5,000,000 for medical, evacuation, and repatriation. High-value, trip-wide cover. |
| Private health insurance (Maxicare, Medicard) | Almost Never | Emergency medical abroad, typically ₱200,000–₱750,000. No trip benefits. No support for cancellation, baggage protection, or personal liability during the trip. | Travel insurance covers cancellations, delays, baggage, and liability beyond ₱1,000,000, exclusive for travel. |
| Classic credit card (BPI Blue, BDO Standard Mastercard) | Never | Limited accidental coverage, emergency medical max ₱200,000–₱400,000. Short duration. Does not cover repatriation, trip cancellation, or high-value claims. | Travel insurance protects against repatriation and full medical needs up to ₱5,000,000 per trip. |
| Premium credit card (BPI Amore Platinum, Metrobank World Mastercard) | Limited coverage | Emergency medical (max ₱500,000–₱1,000,000), some baggage/trip delays. Limited duration, exclusions apply. No broad cancellation, full interruption, or personal liability guarantees. | Travel insurance can reimburse lost trips, delays, and full medical, up to ₱5,000,000 with more covered events. |
Does not cover trip cancellation, baggage loss, liability, or emergency evacuation abroad.
No support for cancellation, baggage protection, or personal liability during the trip.
Does not cover repatriation, trip cancellation, or high-value claims.
No broad cancellation, full interruption, or personal liability guarantees.
Expert advice
Heads up, Kabayan! Your bank card or local health insurance often won't cover trip interruptions due to a family emergency. Read the fine print carefully to avoid surprises. For true peace of mind, it's always safer to get a dedicated travel insurance policy tailored to your trip.
FAQ
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is not legally mandatory for most Filipino travelers. However, some countries may require proof of insurance for visa issuance, especially for Schengen destinations. Even where it is not compulsory, it is strongly recommended for anyone traveling several times per year, as a single illness or accident abroad can result in significant costs and disrupt further travel plans.
When is it recommended to purchase annual multi-trip travel insurance?
The best time to purchase annual multi-trip travel insurance is just before your first planned journey of the year. This ensures coverage begins when you start traveling and maximizes the value of your policy, as it will remain effective for all subsequent trips within 12 months. Early purchase also means you benefit from cancellation protection for pre-paid bookings.
How do I purchase annual multi-trip travel insurance?
Start by comparing available offers using HelloSafe’s travel insurance comparison platform to identify the best fit for your needs. Next, carefully check the policy guarantees and exclusions specific to annual multi-trip coverage, especially on trip duration and destinations. Finalize your purchase securely online. Afterwards, you will receive your certificate, required for border or visa checks, by email.
Can I purchase annual multi-trip travel insurance after booking my trip?
Yes, you can often purchase annual multi-trip travel insurance after making your travel bookings. However, some insurers only provide cancellation or change protection if the policy is bought within a specific window after booking. To ensure maximum coverage and claim eligibility, buy your insurance as soon as possible.
How do I make a claim on my annual multi-trip travel insurance?
To make a claim, contact your insurer as soon as the incident occurs, using the 24/7 assistance hotline or via their online portal. Prepare to submit supporting documents such as receipts, reports, and your policy certificate. The insurer will assess your claim and guide you through the reimbursement or settlement process.
Does annual multi-trip travel insurance cover business and leisure trips together?
Most annual multi-trip travel insurance policies are designed to cover both business and leisure trips, provided your travel falls within the policy’s trip duration and destination limits. Always verify if work-related exclusions apply, especially for higher-risk professions or activities, and confirm if business equipment is protected.
Are pre-existing medical conditions covered by annual multi-trip travel insurance?
Coverage for pre-existing medical conditions varies by insurer and policy. Some policies exclude pre-existing conditions, while others allow coverage when declared and accepted in advance. It is essential to disclose all health details during application to avoid claim denial and ensure you receive the support you need if an emergency arises.
Is annual multi-trip travel insurance mandatory?
Annual multi-trip travel insurance is not legally mandatory for most Filipino travelers. However, some countries may require proof of insurance for visa issuance, especially for Schengen destinations. Even where it is not compulsory, it is strongly recommended for anyone traveling several times per year, as a single illness or accident abroad can result in significant costs and disrupt further travel plans.
When is it recommended to purchase annual multi-trip travel insurance?
The best time to purchase annual multi-trip travel insurance is just before your first planned journey of the year. This ensures coverage begins when you start traveling and maximizes the value of your policy, as it will remain effective for all subsequent trips within 12 months. Early purchase also means you benefit from cancellation protection for pre-paid bookings.
How do I purchase annual multi-trip travel insurance?
Start by comparing available offers using HelloSafe’s travel insurance comparison platform to identify the best fit for your needs. Next, carefully check the policy guarantees and exclusions specific to annual multi-trip coverage, especially on trip duration and destinations. Finalize your purchase securely online. Afterwards, you will receive your certificate, required for border or visa checks, by email.
Can I purchase annual multi-trip travel insurance after booking my trip?
Yes, you can often purchase annual multi-trip travel insurance after making your travel bookings. However, some insurers only provide cancellation or change protection if the policy is bought within a specific window after booking. To ensure maximum coverage and claim eligibility, buy your insurance as soon as possible.
How do I make a claim on my annual multi-trip travel insurance?
To make a claim, contact your insurer as soon as the incident occurs, using the 24/7 assistance hotline or via their online portal. Prepare to submit supporting documents such as receipts, reports, and your policy certificate. The insurer will assess your claim and guide you through the reimbursement or settlement process.
Does annual multi-trip travel insurance cover business and leisure trips together?
Most annual multi-trip travel insurance policies are designed to cover both business and leisure trips, provided your travel falls within the policy’s trip duration and destination limits. Always verify if work-related exclusions apply, especially for higher-risk professions or activities, and confirm if business equipment is protected.
Are pre-existing medical conditions covered by annual multi-trip travel insurance?
Coverage for pre-existing medical conditions varies by insurer and policy. Some policies exclude pre-existing conditions, while others allow coverage when declared and accepted in advance. It is essential to disclose all health details during application to avoid claim denial and ensure you receive the support you need if an emergency arises.
