常旅游客的年度旅行保险
年度多次旅行保险适合一年内多次短途旅行的人，例如：
商务旅客
例如包括企业主、销售或市场营销主管、记者、IT顾问或从事类似职业的人员。
活跃的健康退休者
许多人存钱以便退休后可以环游世界。对于这些老年人来说，年度旅行保险是理想的选择。
旅行爱好者
无论年龄大小，有些人就是喜欢旅行，一年之内会频繁地去不同的地方度假。
最佳年度旅行保险
概述
PPO外：免赔额后，保险支付前$5,000的80%，然后支付100%至最高保额。
保险直接结算
概述
否则：免赔额后，保险支付通常、合理和惯例至最高保额。
*美国紧急护理例外：免除免赔额，$25共付额；除非免赔额为$0。共同保险仍适用。
保险直接结算
概述
概述
为什么选择年度旅行保险？
如果您一年内会多次旅行，建议您研究并购买最适合您的年度旅行保险，以便全年都能获得保障。年度旅行保险通常提供更高的保障，而且通常比每次旅行单独购买保险更划算。
经常旅行的人通常会临时决定出行，因此不想每次旅行都费时费力地研究和购买单次旅行保险。有些旅行者甚至每次出行都会忘记购买旅行保险。购买年度旅行保险后，一年内可以出行任意多次。有了年度旅行保险，您全年都能享受相同的保障，并且每次出国旅行时都会有保障。
年度旅行保险如何运作
在年度旅行保险中，一年期限从保单生效日期开始计算，通常是投保人选择的首次旅行开始日期。一年期限的计算方式并非按照日历年、财政年度或其它类似方式。
年度旅行保险提供的保障与单次旅行医疗保险类似，包括医疗费用、紧急医疗运送、遗体送返、旅程中断、托运行李丢失、意外死亡和伤残赔偿等。
年度旅行保险的保障限制
购买年度旅行保险或一年多次旅行保险时，需注意以下几项限制：
居民健康保险
您在居住国必须持有主要的医疗健康保险，或参加政府医疗保险计划，例如联邦健康保险（Medicare）。如果您在居住国没有主要的医疗保险，则无法购买年度多次旅行保险。
旅行时长
根据年度旅行保险条款，每次旅行的时长通常限制在30天、45天以内。很少有年度旅行保险会为每次旅行时长超过此期限的情况提供保障。因此，如果您计划一次出国旅行数月，年度旅行保险并不适用。在这种情况下，您需要购买单次旅行保险。
Age
Many companies provide annual medical travel insurance only up to a certain age, such as 65 years of age. Therefore, older or elderly people may have difficulty getting yearly travel insurance plans. Many companies just charge a flat amount per year for you and for your family, regardless of age.
Trip Cancellation
There is no travel insurance yearly plan that includes trip cancellation benefits. That is because you typically would not have planned all the trips in advance and paid for them in advance of purchasing a yearly travel insurance policy. Trip cancellation (and trip interruption) coverage amounts are determined by the total pre-paid nonrefundable trip costs for a particular trip. With a yearly plan, the number of trips you take may vary. When insurance companies don't know in advance what trips you are going to take in the first place, they can't determine which ones you might cancel. Some plans offer optional trip cancellation coverage on a per-trip basis for an additional premium or just for the first trip. Due to the fact that most annual travel insurance plans do not cover any trip cancellation and require you to have domestic health insurance, cheap yearly travel insurance options are very affordable.
Trip Interruption
Whenever provided, trip interruption coverage is usually a flat amount such as $5,000 and based on the actual trip cost for each trip. Also, it may only apply to a single trip during the annual coverage period.
Policy Maximum
Most annual trip insurance plans have one policy maximum and not various options to choose from, unlike single trip travel medical insurance.
Comparing Yearly Travel Insurance Plans
Before buying annual travel insurance, you should get quotes from multiple yearly travel insurance plan providers and contrast the benefits using our yearly travel insurance marketplace. Compare annual travel insurance plans prior to making a purchase. It is extremely important not to look just at the price, but also at the coverage you are getting for your yearly travel insurance policy.
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