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Travel insurance for trips, teams, and travelers

Coverage for the trip you booked and the people taking it: families, employees, campers, students, mission groups, and international visitors to the U.S.

Single trip or annualPick one trip or cover a full year
Individuals to employersFamilies, staff, and groups
Medical, cancellation, evacuationThe risks that cost the most

Who it is for

  • Families and vacation travelers who want their prepaid trip protected.
  • Employers, through business travel accident coverage and a voluntary leisure travel benefit.
  • Camps, schools, and mission groups taking participants away from home.
  • J-1 and J-2 visa holders coming to the U.S. who need a compliant plan.
  • International travelers visiting friends and family in the U.S., through inbound medical plans. Get an inbound medical quote.
  • Americans living abroad, through expat medical plans.

What plans can include

  • Trip cancellation and trip interruption
  • Emergency medical and dental care
  • Medical evacuation and repatriation
  • Baggage loss and travel delay
  • 24 hour assistance while you are away

Benefits and limits vary by plan and carrier. Pre existing condition rules, cancel for any reason options, and purchase timing all matter, so we go through them with you.

Visiting the United States from abroad?

Medical care in the U.S. is expensive, and a health plan from your home country may not pay for it here. An inbound visitor medical plan can help with emergency care, hospital stays, and medical evacuation during your trip.

We arrange plans for tourists, people visiting friends and family, and J-1 and J-2 visa holders who need coverage that meets U.S. requirements.

Get an inbound medical quote

Coming to Los Angeles in summer 2028?

Los Angeles will welcome visitors from around the world in July and August 2028. If you are traveling to Southern California from another country that summer, arrange visitor medical coverage before you leave home. Get a visitor medical quote.

Travel agents and tour operators bringing groups to Los Angeles in 2028 can work with us on group coverage.

Camp cancellation protection for families

Camp Fun Insured is our travel protection plan for campers ages 18 and under.

Visit Camp Fun Insured

  • Reimburses nonrefundable camp tuition, deposits, and travel costs when a covered illness, injury, or emergency keeps a camper home or sends them home early
  • Trip cancellation up to 100% and trip interruption up to 150% of the insured camp cost
  • Accident and sickness medical expense up to $50,000 and emergency medical evacuation up to $100,000
  • Up to $25,000 of prepaid camp cost per camper, for sessions up to 30 days
  • 14 day free look, and a single plan with no tiers

Benefits vary by state. Cancellation by the camp and change of mind are not covered. Underwritten by United States Fire Insurance Company. See the Camp Fun Insured site for full plan details.

How we help

  1. Tell us about the trip

    Who is going, where, when, and what you have paid for.

  2. We compare plans

    You see the options side by side with the exclusions that matter.

  3. You choose and we handle the paperwork

    If you ever need to file a claim, we help you through it.

Also see our travel platforms: JetSetInsure for annual plans and CampFunInsured for camp families.

Annual travel plans

One plan for every trip you take in a year. No limit on the number of trips, and no need to report each one.

Get an annual plan quote

What is an Annual Travel Plan?

It is a package of coverages for people who travel often or on short notice. Trips of up to 40 days that are at least 100 miles from home are covered, whether domestic or international.

Who is the Annual Multi-Trip Plan best suited for?

Frequent or spontaneous travelers who want broad coverage at a budget friendly price. Features include coverage for COVID-19 sickness, available coverage for pre-existing conditions, coverage for adventure activities such as cycling, hiking, skiing, scuba diving within set depth limits, and mountain climbing up to 15,000 feet, and worldwide travel assistance. Limitations and exclusions apply.

How many trips per year am I covered for?

There is no limit on the number of trips in a 365 day period. If a covered trip runs past the end of the plan term, the benefits for that trip end on the plan term's end date.

What is the maximum covered trip length for any one trip?

40 days. A trip longer than 40 days is not a covered trip, and you cannot insure only the first 40 days of it.

Do I need to notify the insurance carrier when I go on a trip?

No. The plan is valid for all 12 months, so you do not need to report individual trips.

Can I pick a future date on which to start my plan?

Yes. You can choose a start date up to 180 days in advance.

Is the Annual Multi-Trip Plan valid for travel anywhere in the world?

Almost everywhere. Some countries and regions are ineligible for coverage or services, and that list can change. See the current list on JetSetInsure.

What is considered a pre-existing medical condition, and can I get coverage for it?

A pre-existing condition is any injury, sickness, or other condition of you, a traveling companion, family member, host, business partner, pet, or service animal that a physician advised on, diagnosed, or treated within 180 days before the plan's purchase date. Coverage for pre-existing conditions starts after the plan has been in effect for at least 60 days.

How does the Trip Cancellation limit work? Is it per trip, or for the entire year?

Trip Cancellation applies for the whole plan term and ends when the term ends or the benefit is used up, whichever comes first. Other benefits, including Single Occupancy, Trip Interruption, Trip Delay, Missed Connection, baggage benefits, Travel Medical, and Emergency Evacuation, start when each covered trip begins and end when you return, when the benefit is exhausted, or when the plan term ends.

What is the difference between Trip Cancellation, Trip Interruption, and Trip Delay?

Trip Cancellation applies before your trip if you must cancel for a covered reason. Trip Interruption applies during a trip if you must return home early, and reimburses unused arrangements plus extra return airfare. Trip Delay also applies during a trip and covers meals, local transportation, and lodging when the trip is delayed for a covered reason.

Does the Annual Multi-Trip Plan include travel assistance services?

Yes. It includes both emergency assistance and general travel assistance, provided by Robin Assist. Medical services include referrals, case management, and emergency prescription help. Travel services include emergency travel arrangements, embassy contacts, missed connection help, lost baggage search, and lost passport assistance.

Here is my situation. Will it be covered?

Answers to hypothetical situations depend on small details, so we cannot give a definitive answer in advance. battleface, the plan administrator, will help you understand the policy language and how it might apply.

Are there any exclusions?

Yes. The plan covers unforeseeable events, and this summary is not the full policy. Terms, limitations, and exclusions appear in the plan wording for your state.

Can I cancel the policy for a full refund?

You can cancel within 10 days for a full refund, as long as a covered trip has not started and no claim has been filed. After 10 days, the premium is non-refundable.

How do claims work?

battleface handles claims, which can be filed and tracked online. Each claim gets a dedicated examiner who guides you through the process.

How do I file a claim, and what helps it get processed?

Complete the claim form, which describes the incident, the financial loss, and your supporting evidence. For non-emergencies, document the situation and keep your receipts. For emergencies or help during a trip, contact battleface. It also helps to carry a printed copy of your plan documents. A claims analyst decides whether the claim meets the plan terms.

This is a brief summary only. The full policy contains reductions, limitations, exclusions, and termination provisions, and coverage may differ by state. The Annual Multi-Trip Plan is underwritten by Spinnaker Insurance Company and administered by battleface Insurance Services LLC. Non-insurance assistance services are provided by Robin Assist LLC.

Travel insurance questions

Is an annual travel plan better than buying for each trip?

If you take several trips a year, an annual plan can cost less than insuring each trip separately, and it keeps coverage in place for trips you have not booked yet. A single trip plan usually makes more sense for one expensive trip.

Will my health insurance cover me abroad?

Many health plans limit or exclude care outside the United States. Travel medical coverage is meant to fill that gap, including medical evacuation. Check your own plan before you rely on it.

Can an employer buy travel insurance for staff?

Yes. Employers can offer an annual travel plan as a benefit, or add business travel accident coverage for employees who travel for work.

Do international visitors to the United States need travel medical insurance?

Most tourists are not required to have it, but medical care in the U.S. is expensive and a home country health plan may not pay for it here. An inbound visitor medical plan can cover emergency care, hospital stays, and medical evacuation. J-1 and J-2 visa holders must carry insurance that meets U.S. requirements.

I am visiting Los Angeles from abroad in summer 2028. When should I buy coverage?

Before you leave home. Visitor medical plans generally need to be in place before or at the start of your trip, and buying early gives you time to compare options. Contact us with your travel dates and home country.

When should I buy travel insurance?

Often soon after you make your first trip payment, because some options and benefits are only available if you buy early. Plan terms vary, so ask before you pay for the trip.

Coverage and premium are illustrative only and subject to underwriting and carrier approval.

Planning a trip or a travel benefit?

Tell us the details and we will come back with options.

Get a travel quote