If you travel more than 3 times per year, an annual travel insurance policy almost certainly saves you money and administration time. Here is how IATI annual plans work, who they suit, and how to calculate if it makes sense for you.
How Annual Travel Insurance Works
An annual multi-trip policy covers all your journeys for 12 months from the purchase date. Instead of buying separate insurance for each trip, one purchase covers every departure. There is typically a maximum duration per individual trip (60, 90 or 180 days depending on the plan).
Who Benefits Most from Annual Plans
Business travelers making 4+ international trips per year. Digital nomads living between countries. Frequent vacation travelers taking 3+ trips. Professionals with unpredictable travel schedules who cannot always plan insurance in advance. Retirees taking multiple seasonal trips.
IATI Annual Plan: What Is Included
Medical coverage from EUR 50,000 per event on every trip during the year. 24/7 multilingual assistance. Telemedicine from any location. Adventure sports coverage. COVID-19 coverage. All 200+ countries. Certificate available for visa applications at any point during the year.
Annual vs Per-Trip: The Cost Calculation
Example: 4 trips to Europe per year, average 10 days each. Per-trip insurance at EUR 20 per trip = EUR 80/year. IATI annual plan: approximately EUR 80-120/year depending on age and coverage level. The annual plan provides the same or better coverage at a similar cost with zero administration per trip.
The Visa Advantage of Annual Plans
An annual IATI policy is particularly useful for frequent Schengen visa applicants. The same certificate can support multiple consecutive visa applications throughout the year, avoiding the need to purchase new insurance for each application.
Get covered before your next trip
Medical coverage from EUR 50,000, zero upfront payment, 24/7 telemedicine, instant certificate. Valid for all visa types in 200+ countries.
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