Annual Multi-Trip Travel Insurance

Travel often for surf trips, business, or seasonal adventures? An annual multi-trip travel insurance plan keeps you covered all year for an unlimited number of trips — without having to buy a new policy each time.

Annual plans are ideal for surfers and travelers who take multiple journeys per year, whether domestic or international. Each trip is insured up to a maximum trip length (usually 30, 45, or 60 days, depending on the plan).

Why Choose an Annual Travel Insurance Plan?

Why Choose an Annual Travel Insurance Plan
An annual plan makes sense if you:

  • Take three or more trips each year
  • Compete in surf events or attend international coaching sessions
  • Work or live between countries
  • Travel frequently for both leisure and business
  • Want continuous coverage and time savings over multiple single-trip policies

With one simple policy, you’ll have year-round protection for medical emergencies, cancellations, baggage, and more — whether you’re chasing waves in Costa Rica or heading overseas for work.

Key Benefits of Annual Travel Insurance

Most annual plans include the same comprehensive protections found in single-trip coverage:

Trip Cancellation & Interruption

Reimburses prepaid, non-refundable trip costs if you must cancel or cut your travel short due to illness, injury, or severe weather.

Emergency Medical & Evacuation

Provides coverage for hospital treatment, physician services, and emergency evacuation or repatriation.

Baggage & Personal Effects

Covers loss, theft, or delay of luggage — including surfboards or equipment when specified.

Travel Delays & Missed Connections

Pays for meals, hotels, or rebooking costs when your trip is delayed for covered reasons.

COVID-19 and Quarantine Support

Many annual policies now include benefits for COVID-related medical care, cancellations, or quarantine expenses.

24/7 Emergency Assistance

Access around-the-clock help for medical coordination, translation, and travel support anywhere in the world.

Who Should Consider Annual Coverage?

Annual multi-trip plans work well for:

Frequent flyers and business travelers who need coverage for multiple trips each year
Surfers and adventure travelers attending seasonal events or global competitions
Families and couples taking several vacations per year
Frequent cruisers who join multiple sailings each year
Snowbirds or retirees spending months abroad
Digital nomads and remote professionals who work while traveling

Choosing the Right Level of Coverage

Annual plans are typically available in tiered options based on your maximum trip duration:

  • 30-Day – Frequent short business or surf trips

  • 45-Day – Balanced option for flexible travel schedules

  • 60 or 90-Day – Extended surf seasons, family visits, or semi-nomadic lifestyles

Premiums vary depending on your destinations, age, and optional add-ons such as:

  • Pre-existing condition waivers

  • Adventure and sports coverage (including surfing)

  • CFAR – Cancel For Any Reason flexibility

Our quote widget makes it easy to compare these features and find a plan that fits your travel profile.

Plan Options for U.S., UK, and Global Travelers

At STI Surf Travel Insurance, we offer annual multi-trip options through trusted international insurers:

  • IMG Global – 30-, 45-, and 60-day options for U.S. and non-U.S. residents, with high medical and evacuation limits.

  • Auras – Competitive annual plans for U.S. and international travelers, including professional surfers and sports coverage.

  • Globelink International – Annual plans for UK and EU residents, ideal for European surf travelers and long-stay visitors.

(Note: Generali U.S. Branch currently offers single-trip plans only.)

Our quote tool automatically filters plans based on your country of residence and travel destinations, ensuring you see only eligible options.

Ready to Find the Right Plan?

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Main Plan Comparison

You’ll see plans that match your eligibility, destination, and activity profile. Compare benefits at a glance and complete your purchase securely on the insurer’s website.
Have questions or a complex itinerary?
Email us at [email protected] — our team can help you find the best coverage for your travel season.